CSPN - College Savings Plans Network
Blog Facebook Twitter YouTube
Compare 529 Plans By State

529 Plan Comparison By Feature

Each state's 529 plan offers unique features. Listed below are features by which plans can be compared. Select the plan features you wish to compare. Always consider your home state 529 plan as it may offer tax benefits or other attractive features. If you are not sure which features are most important to you, visit our Common 529 Questions section.

Click here to Compare 529 Plans without filtering.

105 plans can be compared
Select your state:
  
What's This? Select your home state (or the state of the beneficiary) to view plans for that state.
Why Important? Always consider your home state's plan(s) (or the home state of the beneficiary) as it may offer tax incentives or other attractive features specifically for state residents.
Plan type (Savings or Prepaid)
What's This? 529 plans can be "savings" plans or "prepaid tuition" plans. Savings plans are an investment account that you contribute to, and your account grows based on market returns. Prepaid tuition plans allow you to directly purchase tuition based on today's cost for future use.
Why Important? You should consider the flexibility of a savings plan account versus the tuition guarantee of a prepaid tuition account. Note that a prepaid account is designed for use at colleges in your state of residence (or the beneficiary's state of residence).
Savings
What's This? Savings plans allow you to contribute to an investment account and you can use the accumulated assets for any eligible college expense. Additionally, assets in savings plans can be used at virtually any school in the country.
Why Important? Savings plans are flexible because you can use the assets at schools outside your state of residence, and you can use account assets for other eligible college expenses in addition to tuition.
Direct sold
What's This? You typically open an account in a direct-sold program by requesting enrollment materials and applying directly to the program, or through the program's web site.
Why Important? You must make your own selection of your investment option (or options), but you do not pay a sales commission.
Advisor sold
What's This? You typically open an account in an advisor-sold program through a financial advisor or broker.
Why Important? Your advisor or broker provides professional advice, helps you make investment decisions, and receives sales commissions for that service.
Prepaid
What's This? Prepaid plans are offered in 18 states and allow you to pre-purchase tuition based on today's rates to be used in the future when the beneficiary is in college.
Why Important? Typically, you or the beneficiary must be a resident of the state that sponsors the prepaid plan. These plans are designed for use at a public college in that state with the option for funds to be used at private and out of state schools at a pre-determined valuation.
Pick your state:
 
What's This? The states in the drop-down box to the left offer a prepaid tuition 529 plan.
Why Important? Since prepaid plans are typically designed for use in the sponsoring state, please select your state of residence (or the intended beneficiary's state of residence) if that state offers a prepaid plan.
State tax benefits
What's This? Each state determines how its 529 plans are structured, and many states offer significant tax advantages such as a state tax deduction, deferral of taxes on earnings, and tax-free withdrawals for eligible college expenses.
Why Important? When taxes are deferred on earnings in your 529 plan account, you may experience significant additional growth compared to a taxable investment. A tax deduction for contributions and tax-free withdrawals from your account make the plan even more attractive.
State tax deduction for contributions
What's This? Some states offer a state income tax deduction for some or all of the contributions you make to your 529 plan account.
Why Important? A state tax deduction decreases your taxable income for state tax purposes.
State tax-deferred earnings
What's This? When taxes are deferred on earnings, you do not pay tax on the year-to-year growth in your account.
Why Important? Deferral of taxes on earnings has a compounding effect on the growth of your account.
State tax-free withdrawals
What's This? When you make withdrawals, no taxes are owed on the amount withdrawn for eligible college expenses.
Why Important? Tax-free withdrawals allow you to apply more of your account assets to the costs of college.
State tax credit for contributions
What's This? Some states offer a state income tax credit for some or all of the contributions you make to your 529 plan account.
Why Important? A state tax credit decreases your taxable income for state tax purposes.
Other state benefits
What's This? Some plans offer additional state-based benefits for investors who invest in 529 plans offered by their state of residence.
Why Important? Although these benefits are less common, they may make a plan even more attractive.
Financial aid benefits
What's This? Some states do not count 529 plan assets when determining state-based financial aid for current and in-coming students at public colleges.
Why Important? More state-based financial aid may be available when your 529 plan assets are not included in the expected family contribution calculation. But be aware that most financial aid is federal, and that most financial aid is in the form of loans.
State grants
What's This? Some states offer a needs-based matching grant for a portion of your contributions to your account.
Why Important? This match, if available, increases the amount of contributions made to your account.
Fees
What's This? 529 plans charge fees in various ways. These can include asset-based fees (a percentage of your annual account balance), sales commissions (a percentage of your contributions paid to your advisor or broker), and administrative fees.
Why Important? Fees offset a portion of the earnings in your account. "Direct sold" plans are typically offered at lower fees and without sales commissions. "Advisor sold" plans offer professional investment advice and service, with fees that include standard sales commissions.
Select by fee for direct-sold plans
What's This? Click and drag the slide bar to filter by fees. Plans with direct-sold investment options that have fees equal or lower than the selected amount will be shown in the results.
Annual asset-based fees: 0 %
0 - 1.9700
Select by fee for advisor-sold plans
What's This? Click and drag the slide bar to filter by fees. Plans with advisor-sold investment options that have fees equal or lower than the selected amount will be shown in the results. Note that you also pay a commission to your advisor for these plans.
Annual asset-based fees: 0 %
0 - 2.7700
Investment option
What's This? 529 plans offer multiple investment options. Typically, you can invest in one or more of the options offered by a plan.
Why Important? The investment options can include managed age-based options, 100% stock fund (equity) options, stable value funds, guaranteed options, and even certificates of deposit.
Age-based options
What's This? These investment options are managed so that the investment allocation (a mix of stock, bond, money market and other funds) varies based on the age of the beneficiary.
Why Important? The investment becomes more conservative as the beneficiary gets older to reduce risk as the beneficiary approaches college.
Equity options
What's This? These investment options are based primarily on stock (equity) funds.
Why Important? Stock-based investments may offer a possibility of greater returns, with a higher level of risk.
Fixed income options
What's This? These investment options are based primarily on bond funds.
Why Important? Bond-based investments carry certain risks, but are considered less risky than stock funds.
Blended options
What's This? These investment options offer a blend of stock and bond funds.
Why Important? Blended funds seek to balance the relative risk of a stock fund with the relative safety of a bond fund.
Guaranteed options
What's This? These investment options guarantee principal (your contributions) and offer a fixed rate of return.
Why Important? Guaranteed options are typically the least risky investment, but offer lower returns.
Capital preservation options
What's This? These investment options offer safety of the initial contributions and a variable rate of return.
Why Important? These options are typically less risky investments with lower returns than other investment types.
Minimum initial contribution
What's This? 529 plans, as with most investments, have a minimum dollar amount for an initial contribution to open an account.
Why Important? You should consider the amount you will be required to invest in selecting the program that is right for your individual circumstances.
Minimum subsequent contribution
What's This? 529 plans, also like most investments, have a minimum dollar amount for further contributions after the account has been opened.
Why Important? You should consider the amount you will be required to invest for subsequent contributions in selecting the program that is right for your individual circumstances.
Maximum total contributions
What's This? By federal law, 529 plans must have a cap on total contributions.
Why Important? When you reach the maximum for total contributions your account can continue to earn returns, but you cannot make further contributions.
Investment Manager
What's This? States typically contract with a financial services firm to provide investment management and other program services.
Why Important? If you are comfortable with a particular financial services firm, you may wish to consider a plan that uses that firm as its investment manager.
A I M Advisors, Inc.
A I M Capital Management, Inc.
Aberdeen
Acacia Life Insurance Company
Adams Street Partners, LLC
Advantus
Advent Capital
Aether Investment Partners
Aether Investment Partners
AllianceBernstein Investments, Inc.
Allianz
Allianz Global Investors Distributors LLC
American Beacon Advisors
American Century Investment Management, Inc.
American Century Investment Services, Inc.
American Funds
Ariel Capital
Artisan
Ascensus Broker Dealer Services Inc.
Ascensus College Savings Recordkeeping Services, LLC.
Ascensus Investment Advisors LLC.
Aurora Investment Managment, LLC
Aventura Holdings, LLC
Aventura Holdings, LLC
Baillie Gifford
Bank of America
Bank of America-FDIC Insured Bank Deposit Account
Barclays Global Investors
Baring International Investment Limited
Baron Funds
Barrow, Hanley, Mewhinney & Strauss, Inc.
BlackRock
BlackRock Institutional Trust Company, N.A. and BlackRock Fund Advisors
BlackRock iShares
BNY Mellon Asset Management
Branch Banking & Trust
Brandywine Global Asset Management
Brown Capital Management, Inc.
Calvert Asset Management Company, Inc.
Calvert Group, Ltd.,
Calvert Investment Management Company, Inc
Calvert Investment Management, Inc.
Capital Research and Management Company
CBRE Clarion Securities
Century Capital Management
Charles Schwab & Co. Inc.
Chase Investment Counsel Corporation
Citigroup, Inc.
Clay Finlay Inc.
College Savings Bank
CollegeInvest
Columbia Management Group, LLC
Columbia Management Investment Advisers, LLC and its affiliates
Commonfund Capital Inc.
Davis
Delaware Investments
Deutsche Asset Management, Inc.
Deutsche Investment Management Americas Inc.
Dimensional Fund Advisors
Dodge and Cox
Donald Smith & Co.
Dreyfus Corporation
Eagle Asset Management, Inc.
Eaton Vance
Enterprise Capital Management, Inc.
Evergreen Investment Services Inc.
Federated Investment Management Company
Federated Investors, Inc.
Ferox Capital
Fidelity Investments
Fiduciary Management, Inc.
Fifth Third Bank
First National Bank of Omaha
First National Bank of Omaha
FirstBank
Florida Prepaid College Board
Fountain Capital Management, L.L.C.
Franklin Advisers, LLC
Franklin Mutual Advisers, LLC
Franklin Templeton Advisers, Inc.
Franklin Templeton Distributors, Inc.
Gallatin Asset Management, Inc.
GAMCO Asset Management, Inc.
GE Asset Management
GIC and FDIC Insured Bank Deposit Account
GIC and FDIC Insured Bank Deposit Account
Goldman Sachs Asset Management
Grantham Mayo (GMO)
Grantham Mayo (GMO)
Harbor Funds
Harmonic Alpha Plus Macro Fund
Hartford Investment Financial Services, LLC
Hartford Life Insurance Company
Heritage Funds
ING Funds
Invesco
Invesco Advisers, Inc.
Invesco Aim Capital Management, Inc.
INVESCO Institutional (N.A.), Inc.
J. & W. Seligman & Co. Incorporated
Jennison Associates LLC
John Hancock Investment Management Services
JP Morgan
JPMorgan Investment Advisors Inc.
Laudus Funds
Lazard Asset Management
Legg Mason
Lord, Abbett & Co. LLC
LSV Asset Management
MainStay Investments
Marsico Capital Management, LLC
Massachusetts Financial Services Company
Maxim Janus
Maxim Loomis Sayles
Maxim T. Rowe Price
Merrill Lynch
MetLife
Metropolitan West
MFS Investment Management
Mondrian Investment Partners Limited
Montag & Caldwell, Inc.
Multiple Managers
NA
NCM Capital Management Group, Inc
New York Life Investment Management
Northern Funds
Northern Trust Investments, N.A.
Northern Trust TIPS Index
Northern Trust TIPS Index
NWQ Investment Management Company
OFI Private Investments, Inc.
OppenheimerFunds Inc.
Pacific Life
PanAgora Asset Management, Inc.
Parnassus Investments
Pier Capital, LLC
PIMCO
PIMCO Advisors Distributors
Pioneer Investments
Private Advisors LLC
Prudential
Putnam Investments
Quantitative Management Associates LLC
Rainer Funds
Rainier Funds
RBC Global Management
Rhumbline Advisors
Rhumbline Advisors
Richmond Capital Management
RiverSource Investments
Robert W. Baird & Co.
Rothschild Asset Management, Inc.
Royce
RS
Sallie Mae Bank
Sands Capital Management, Inc.
SC Office of State Treasurer, Curtis M. Loftis, Jr.
Scout Investments, Inc.
Securities Management & Research
Selected by ISAC (Board)
Shenkman
Silvant Capital Management, LLC
State Employees' Credit Union
State Farm
State Farm
State Street Global Advisors
Stone Harbor Investment Partners
T. Rowe Price
T. Rowe Price Associates, Inc.
Tattersall Advisory Group
TCW Investment Management Company
Templeton
Templeton Global Advisors Limited
Tennessee Department of Treasury
The Boston Company Asset Management
The Dreyfus Corporation
The Hartford Mutual Funds
The Principal Financial Group
The Vanguard Group®
Thompson, Siegel & Walmsley, Inc.
Thornburg Investment Management, Inc.
TIAA-CREF
Transameria Life Insurance Company, a member of AEGON Group
Transamerica Corporation
Trusco Capital Management, Inc. - Money Market Fund
U.S. Trust
U.S. Trust Company of New York - Fixed Income
UBS Global Asset Management (Americas) Inc.
UMB
Union Bank & Trust Company
Union First Market Bank
Upromise Investments, Inc.
US Bank
USAA Investment Management Corporation
USB Realty Investors LLC
Van Kampen Investments
Vanguard
Vermont Student Assistance Corporation Trust
Voya Investment Management
Wachovia Bank, N.A.
Waddell & Reed
Wellington Capital Management
Wellington Management
Wells Capital Management
Wells Fargo Advantage Asset Allocation Fund
Wells Fargo Advisors LLC
Wells Fargo Funds Management, LLC
Western Asset Management Company
Westfield Capital Management
Westwood Management Corp.
William Blair
Zions First National Bank
105 plans can be compared


Minimum contributions can be as little as $10. View All

CSPN is an affiliate of the

Affiliate of the National Association of State Treasurers