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5-Cap Ratings - Terms of Use

We assign a rating to each state-sponsored program ranging from one cap (least attractive) to five caps (most attractive). The 5-Cap Rating represents our opinion of the overall usefulness of a state's 529 plan based on the many factors that we feel are important. These ratings are not the result of a fixed formula. The 5-cap Rating is not strictly a measure of historical returns and it is not a predictor of future investment performance, level of investment risk, or financial solvency of the program funds. For more information on the criteria used in assigning a 5-Cap Rating, click HERE.

The 5-Cap Rating and other information we provide are for information, education, and entertainment purposes only. You should not construe any Information, features, tools or other content available through this Web site as legal, tax, investment, financial, or other advice. The 5-Cap Rating and other information is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, we recommend that you obtain additional information and the advice of your accountant and other financial advisors who are fully aware of your individual circumstances. You assume the sole responsibility of evaluating the merits and risks associated with the use of the 5-Cap Ratings and any information provided on this Web site.

In exchange for using this Web site, you agree not to hold Bankrate, Inc. liable for any possible claim for damages arising from any decision you make based the 5-Cap Ratings and any information provided on this Web site.