COLLEGE SAVINGS 101

Savingforcollege.com

2013 three-year top performing direct plans Q1
http://www.savingforcollege.com/articles/2013-3-year-top-performing-direct-plans-q1

Posted: 2013-05-15

Savingforcollege.com 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, five-year and ten-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 March 31, 2013 for Direct-sold 529 plans.

Three-year performance ranking (click here for one-year performance table, five-year performance table, and ten-year performance table):

Rank State Plan Percentile
1 New York New York's 529 College Savings Program -- Direct Plan 27.44
2 Michigan Michigan Education Savings Program 29.83
3 Alaska University of Alaska College Savings Plan 30.64
4 Alaska T. Rowe Price College Savings Plan 31.24
5 South Dakota CollegeAccess 529 (Direct-sold) 32.63
6 Pennsylvania Pennsylvania 529 Investment Plan 33.08
7 Utah Utah Educational Savings Plan (UESP) Trust 34.27
8 Oklahoma Oklahoma College Savings Plan 36.35
9 Minnesota Minnesota College Savings Plan 37.47
10 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 37.61
11 Ohio Ohio CollegeAdvantage 529 Savings Plan 38.50
12 Iowa College Savings Iowa 38.89
13 Virginia Virginia529 inVEST 38.97
14 Vermont Vermont Higher Education Investment Plan 40.07
15 Colorado Direct Portfolio College Savings Plan 40.17
16 Louisiana START Saving Program 41.29
17 Hawaii Hawaii's College Savings Program 41.96
18 Florida Florida 529 Savings Plan 42.61
19 District of Columbia DC 529 College Savings Program (Direct-sold) 42.73
20 Illinois Bright Start College Savings Program -- Direct-sold Plan 42.79
21 Nevada The Vanguard 529 Savings Plan 44.44
22 Kentucky Kentucky Education Savings Plan Trust 44.95
23 Maryland College Savings Plans of Maryland -- College Investment Plan 45.39
24 Oregon Oregon College Savings Plan 45.98
25 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 48.70
26 Maine NextGen College Investing Plan -- Client Direct Series 49.29
27 West Virginia SMART529 WV Direct 50.83
28 Kansas Learning Quest 529 Education Savings Program (Direct-sold) 52.24
29 Indiana CollegeChoice 529 Investment Plan (Direct-sold) 54.10
30 Connecticut Connecticut Higher Education Trust (CHET) 54.88
31 New Mexico The Education Plan's College Savings Program (Direct-sold) 55.05
32 North Dakota College SAVE 55.20
33 Arkansas GIFT College Investing Plan 55.77
34 West Virginia SMART529 Select 56.96
35 Kansas Schwab 529 College Savings Plan 57.53
36 Idaho Idaho College Savings Program (IDeal) 57.67
37 Texas Texas College Savings Plan 58.62
38 New Jersey NJBEST 529 College Savings Plan 61.48
39 Rhode Island CollegeBoundfund (Direct-sold, Alternative RI) 63.66
40 Nevada USAA 529 College Savings Plan 63.78
41 Massachusetts U.Fund College Investing Plan 67.67
42 Delaware Delaware College Investment Plan 68.00
43 New Hampshire UNIQUE College Investing Plan 68.01
44 Arizona Fidelity Arizona College Savings Plan 68.10
- Alabama College Counts 529 Fund (Direct-sold) NA
- California The ScholarShare College Savings Plan NA
- Georgia Path2College 529 Plan NA
- Mississippi Mississippi Affordable College Savings (MACS) Program 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 SSgA Upromise College Fund NA
- North Carolina National College Savings Program NA
- Tennessee TNStars College Savings 529 Program NA
- Wisconsin Edvest College Savings Plan NA

NA = Not Applicable = Program does not have at least one portfolio with sufficiently-long performance in a minimum of four asset allocation categories under our ranking model.

The Savingforcollege.com 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: Saving For College, 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.

Savingforcollege.com 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, five-year and ten-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 March 31, 2013 for Direct-sold 529 plans.

Three-year performance ranking (click here for one-year performance table, five-year performance table, and ten-year performance table):

Rank State Plan Percentile
1 New York New York's 529 College Savings Program -- Direct Plan 27.44
2 Michigan Michigan Education Savings Program 29.83
3 Alaska University of Alaska College Savings Plan 30.64
4 Alaska T. Rowe Price College Savings Plan 31.24
5 South Dakota CollegeAccess 529 (Direct-sold) 32.63
6 Pennsylvania Pennsylvania 529 Investment Plan 33.08
7 Utah Utah Educational Savings Plan (UESP) Trust 34.27
8 Oklahoma Oklahoma College Savings Plan 36.35
9 Minnesota Minnesota College Savings Plan 37.47
10 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 37.61
11 Ohio Ohio CollegeAdvantage 529 Savings Plan 38.50
12 Iowa College Savings Iowa 38.89
13 Virginia Virginia529 inVEST 38.97
14 Vermont Vermont Higher Education Investment Plan 40.07
15 Colorado Direct Portfolio College Savings Plan 40.17
16 Louisiana START Saving Program 41.29
17 Hawaii Hawaii's College Savings Program 41.96
18 Florida Florida 529 Savings Plan 42.61
19 District of Columbia DC 529 College Savings Program (Direct-sold) 42.73
20 Illinois Bright Start College Savings Program -- Direct-sold Plan 42.79
21 Nevada The Vanguard 529 Savings Plan 44.44
22 Kentucky Kentucky Education Savings Plan Trust 44.95
23 Maryland College Savings Plans of Maryland -- College Investment Plan 45.39
24 Oregon Oregon College Savings Plan 45.98
25 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 48.70
26 Maine NextGen College Investing Plan -- Client Direct Series 49.29
27 West Virginia SMART529 WV Direct 50.83
28 Kansas Learning Quest 529 Education Savings Program (Direct-sold) 52.24
29 Indiana CollegeChoice 529 Investment Plan (Direct-sold) 54.10
30 Connecticut Connecticut Higher Education Trust (CHET) 54.88
31 New Mexico The Education Plan's College Savings Program (Direct-sold) 55.05
32 North Dakota College SAVE 55.20
33 Arkansas GIFT College Investing Plan 55.77
34 West Virginia SMART529 Select 56.96
35 Kansas Schwab 529 College Savings Plan 57.53
36 Idaho Idaho College Savings Program (IDeal) 57.67
37 Texas Texas College Savings Plan 58.62
38 New Jersey NJBEST 529 College Savings Plan 61.48
39 Rhode Island CollegeBoundfund (Direct-sold, Alternative RI) 63.66
40 Nevada USAA 529 College Savings Plan 63.78
41 Massachusetts U.Fund College Investing Plan 67.67
42 Delaware Delaware College Investment Plan 68.00
43 New Hampshire UNIQUE College Investing Plan 68.01
44 Arizona Fidelity Arizona College Savings Plan 68.10
- Alabama College Counts 529 Fund (Direct-sold) NA
- California The ScholarShare College Savings Plan NA
- Georgia Path2College 529 Plan NA
- Mississippi Mississippi Affordable College Savings (MACS) Program 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 SSgA Upromise College Fund NA
- North Carolina National College Savings Program NA
- Tennessee TNStars College Savings 529 Program NA
- Wisconsin Edvest College Savings Plan NA

NA = Not Applicable = Program does not have at least one portfolio with sufficiently-long performance in a minimum of four asset allocation categories under our ranking model.

The Savingforcollege.com 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: Saving For College, 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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