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2011 five-year top performing direct plans Q2

Posted: 2011-08-10 ranks the performance of direct-sold 529 plans. Direct-sold plans are those that consumers can enroll in without using a broker. We have prepared both one-year, three-year and five-year performance tables.

To prepare this ranking, we compared a subset of portfolios from each 529 savings plan. We selected portfolios based on their mix of stocks, bonds and money market funds, which allows for an apples-to-apples comparison in seven asset-allocation categories. The lower the "percentile," the better the ranking.

This ranking could be a useful tool for you when selecting which direct 529 plan might be right for you.

Here are our 529 performance rankings as of June 30, 2011 for Direct-sold 529 plans.

Five-year performance ranking (click here for one-year performance table and three-year performance table):

Rank State Plan Percentile
1 Kansas Schwab 529 College Savings Plan 30.43
2 Michigan Michigan Education Savings Program 34.66
3 Alaska University of Alaska College Savings Plan 35.74
4 Maryland College Savings Plans of Maryland -- College Investment Plan 35.81
5 Nevada The Vanguard 529 Savings Plan 36.82
6 Wisconsin EdVest (Direct-sold) 37.17
7 Alaska T. Rowe Price College Savings Plan 38.39
8 Utah Utah Educational Savings Plan (UESP) Trust 38.73
9 Virginia Virginia Education Savings Trust (VEST) 38.97
10 Ohio Ohio CollegeAdvantage 529 Savings Plan 39.51
11 New York New York's 529 College Savings Program -- Direct Plan 39.63
12 Vermont Vermont Higher Education Investment Plan 40.12
13 Arkansas GIFT College Investing Plan 40.41
14 New Jersey NJBEST 529 College Savings Plan 40.68
15 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 41.08
16 Iowa College Savings Iowa 43.41
17 Nevada Upromise College Fund 43.46
18 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 44.49
19 Minnesota Minnesota College Savings Plan 45.91
20 Kansas Learning Quest 529 Education Savings Program (Direct-sold) 46.32
21 Colorado Direct Portfolio College Savings Plan 46.40
22 Georgia Path2College 529 Plan 48.05
23 Kentucky Kentucky Education Savings Plan Trust 48.50
24 Connecticut Connecticut Higher Education Trust (CHET) 49.93
25 West Virginia SMART529 WV Direct 50.18
26 South Dakota CollegeAccess 529 (Direct-sold) 50.72
27 Oklahoma Oklahoma College Savings Plan 55.11
28 District of Columbia DC 529 College Savings Program (Direct-sold) 56.61
29 Mississippi Mississippi Affordable College Savings (MACS) Program 58.21
30 Rhode Island CollegeBoundfund (Direct-sold, Alternative RI) 59.12
31 Arizona Fidelity Arizona College Savings Plan 60.72
32 New Hampshire UNIQUE College Investing Plan 62.19
33 Delaware Delaware College Investment Plan 62.46
34 Massachusetts U.Fund College Investing Plan 63.38
35 West Virginia SMART529 Select 65.92
36 New Mexico The Education Plan's College Savings Program (Direct-sold) 89.13
- Alabama College Counts 529 Fund (Direct-sold) NA
- California The ScholarShare College Savings Plan NA
- Florida Florida College Investment Plan NA
- Hawaii Hawaii's College Savings Program NA
- Idaho Idaho College Savings Program (IDeal) NA
- Illinois Bright Start College Savings Program -- Direct-sold Plan NA
- Indiana CollegeChoice 529 Investment Plan (Direct-sold) NA
- Louisiana START Saving Program NA
- Maine NextGen College Investing Plan -- Client Direct Series NA
- Montana Montana Family Education Savings Program Investment Plan NA
- Nebraska Nebraska Education Savings Trust - Direct College Savings Plan NA
- Nebraska TD Ameritrade 529 College Savings Plan NA
- Nevada USAA 529 College Savings Plan NA
- North Carolina National College Savings Program NA
- North Dakota College SAVE NA
- Oregon Oregon College Savings Plan NA
- Pennsylvania Pennsylvania 529 Investment Plan NA
- Texas Texas College Savings Plan NA

NA = Not applicable = Program does not have at least three portfolios with sufficiently long performance under our ranking model.

The plan composite rankings are derived using the plans' relevant portfolio performance in seven unique asset allocation categories. The asset-allocation categories used are: 100 percent equity, 80 percent equity, 60 percent equity, 40 percent equity, 20 percent equity, 100 percent fixed and 100 percent short term. The plan composite ranking is determined by the average of its percentile ranking in the seven categories.

The performance data underlying these rankings represent past performance and are not a guarantee of future performance. Current performance may be lower or higher than the performance data used. A plan portfolio's investment return and principal value will fluctuate so that an investor's shares or units when redeemed may be worth more or less than their original cost. Investors should carefully consider plan investment goals, risks, charges and expenses by obtaining and reading the plan's official program description before investing. Investors should also consider whether their beneficiary's home state offers any tax or other benefits that are available for investments only in such state's 529 plan.

Brokers, please note: For internal use only and not for use with or to be shown to the investing public.

Disclaimer: JFH Innovative LLC shall not be liable for any errors or omissions in this report. Users should rely on official program disclosures.

For broker-sold plan rankings, click here.

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