I’m contributing to my niece’s 529—worst case scenario being she doesn’t need as much as her family has saved, and any excess can be transferred to another fami

I’m contributing to my niece’s 529—worst case scenario being she doesn’t need as much as her family has saved, and any excess can be transferred to another family member or taken out for a relatively modest penalty. And, I assume if there’s a major restructuring of college costs over the next 20 years, more flexibility will be introduced for getting money out as well.