Benjamin Beck left a few important details out of his June 1 Maine Voices column (“Roth: A better college-savings plan?”).

• It is irresponsible to assert that a Roth will grow faster than a 529 plan.

It’s impossible to predict yields over long-term investments. If we advisers could actually do that, most of us would be too rich to bother being other people’s advisers anymore.

• Some Roths can be as limited for investment choices as 529 plans can be.

A Roth is for retirement; the same money, therefore, can’t also be an education fund.

Mr. Beck says that funding a retirement should come first, and he’s right. But he’s also implying that if someone needs to “borrow” from their retirement to pay for college, that’s OK. That’s not OK.

One of the biggest problems people face now is that they borrowed from their retirement plans and now feel they will never be able to retire.

He talks about the $5,500 or $6,500 you can contribute to a Roth that will grow tax-free and that, under some circumstances, you can withdraw from without penalty.

Again, if you do this, you are only taking money from yourself.

You can, however, contribute up to $14,000 per person to a beneficiary’s 529 plan and fund it up to a maximum of $350,000.

Anyone who wants to can contribute to anyone else’s 529 plan, and if one child doesn’t use it all, it can be transferred to a sibling. 529s can also now be used for technology costs at school.

A 529 may not be appropriate for your family, but a Roth is not a magic pill, either.

529s are for education; Roths are for retirement. Making informed decisions about using both, together, is a better bet.

Liz Winfeld, FA, AAMS

Cape Elizabeth