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Parents with substantial investments and home equity generally find it harder to get financial aid for their college-bound children. But if you understand how assets are assessed on both the FAFSA and CSS Financial Aid PROFILE, you can improve your chances for getting the best financial aid package possible.

Do you know how your investments might reduce their chances for financial aid?

And what about the role that a family’s home equity may play in determining whether a student will receive financial help from a college?

It has been argued that the best way to invest in the stock market is with a lump sum of capital that can be properly diversified across several asset classes. But, for many people with a desire to achieve long term growth, that is not possible because they’ve yet to accumulate a lump sum of capital.