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2014 five-year top performing direct plans Q2

Posted: 2014-08-07

2014 five-year top performing direct plans Q2 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 June 30, 2014 for Direct-sold 529 plans.

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

Rank State Plan Percentile
1 Alaska University of Alaska College Savings Plan 23.37
2 Alaska T. Rowe Price College Savings Plan 25.17
3 Nevada USAA 529 College Savings Plan 29.34
4 Maine NextGen College Investing Plan -- Client Direct Series 30.03
5 New York New York's 529 College Savings Program -- Direct Plan 31.13
6 Maryland College Savings Plans of Maryland -- College Investment Plan 32.15
7 Michigan Michigan Education Savings Program 35.39
8 Utah Utah Educational Savings Plan (UESP) 36.08
9 District of Columbia DC 529 College Savings Program (Direct-sold) 37.85
10 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 39.96
11 Louisiana START Saving Program 40.84
12 Oklahoma Oklahoma College Savings Plan 40.93
13 Virginia Virginia529 inVEST 41.21
14 Florida Florida 529 Savings Plan 43.66
15 South Dakota CollegeAccess 529 (Direct-sold) 44.24
16 Pennsylvania Pennsylvania 529 Investment Plan 45.51
17 Nevada The Vanguard 529 Savings Plan 46.88
18 Colorado Direct Portfolio College Savings Plan 47.15
19 West Virginia SMART529 WV Direct College Savings Plan 48.17
20 Minnesota Minnesota College Savings Plan 48.41
21 Iowa College Savings Iowa 48.99
22 Hawaii Hawaii's College Savings Program 49.65
23 Ohio Ohio CollegeAdvantage 529 Savings Plan 50.17
24 New Jersey NJBEST 529 College Savings Plan 51.66
25 West Virginia SMART529 Select 53.13
26 Vermont Vermont Higher Education Investment Plan 54.52
27 Illinois Bright Start College Savings Program -- Direct-sold Plan 54.62
28 Kentucky Kentucky Education Savings Plan Trust 54.69
29 Kansas Learning Quest 529 Education Savings Program (Direct-sold) 55.30
30 Kansas Schwab 529 College Savings Plan 56.21
31 Indiana CollegeChoice 529 Direct Savings Plan 56.32
32 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 56.34
33 Rhode Island CollegeBoundfund (Direct-sold, Alternative RI) 59.35
34 New Mexico The Education Plan's College Savings Program 60.45
35 Arizona Fidelity Arizona College Savings Plan 61.37
36 Connecticut Connecticut Higher Education Trust (CHET) 61.46
37 New Hampshire UNIQUE College Investing Plan 61.53
38 Massachusetts U.Fund College Investing Plan 61.62
39 Delaware Delaware College Investment Plan 61.71
40 North Dakota College SAVE 62.07
41 Arkansas GIFT College Investing Plan 62.41
42 Idaho Idaho College Savings Program (IDeal) 63.22
43 Texas Texas College Savings Plan 68.32
- Alabama CollegeCounts 529 Fund 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 529 Plan NA
- North Carolina National College Savings Program NA
- Oregon Oregon College Savings Plan NA
- Tennessee TNStars College Savings 529 Program NA
- Wisconsin Edvest 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 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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