General Information

Stable Value Plus College Savings Program logo

Stable Value Plus College Savings Program

The Colorado Stable Value Plus College Savings Program offers a single option: a stable-value investment under a funding agreement with Brighthouse Financial that declares a new interest rate each year.

Our Ratingx

4 of 5

Fee Scorex

N/A

Performancex

4.5 of 5

  • Program typeSavings
  • Inception2003
  • State agency
    CollegeInvest, a division of the Colorado Department of Higher Education
  • Tax deduction
  • Program Manager
    Brighthouse Financial
  • Program distributor
    Brighthouse Financial

Ratings & Rankings

Our overall rating for CO residents

This is an excellent program with many benefits for the participant and positive investment attributes. If it has any significant weaknesses then it also has some particularly good things to recommend it.

Our overall rating for non-residents

This is an excellent program with many benefits for the participant and positive investment attributes. If it has any significant weaknesses then it also has some particularly good things to recommend it.

Savingforcollege.com's 5-Cap Ratings provides an evaluation and comparison of 529 plans, utilizing a formula that examines dozens of factors grouped into the following categories.


4.50of 5

Each plan's performance score is developed directly from Savingforcollege.com's Quarterly 529 Performance Rankings. A 529 savings plan must have at least one year of performance history before they will be assigned a 5-cap rating. For those plans that are not part of our quarterly performance rankings, such as plans offering a single set of bank-based investment options, we assign a performance score by evaluating the returns currently available on similar types of investments outside of 529 plans.

Eligibility

State residency requirements:

Who can be a participant/owner in the program?

Significant time or age restrictions imposed by the program:

Alternative 529 Plans

Other great plans to consider

You are not limited to opening your own state's 529 plan, so shop around. Here are some highly rated options to consider:

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182,267 clicked to enroll
Our Rating
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5 of 5
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5 of 5
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182,267 clicked to enroll
Our Rating
4.5 of 5
Fee Scorex
5 of 5
Performancex
5 of 5
Our Rating
5 of 5
Fee Scorex
5 of 5
Performancex
5 of 5
enroll now
182,267 clicked to enroll
Our Rating
4.5 of 5
Fee Scorex
5 of 5
Performancex
4.5 of 5
Our Rating
4.5 of 5
Fee Scorex
5 of 5
Performancex
4.5 of 5

Contributions

Maximum contributions:

Minimum contributions:

Investment Options

Age-based investment options:

View more age-based investment options

Static investment options:

View more static investment options

Underlying fund allocations:

Portfolio Fees & Performance Lookup

Fees & Expenses

Enrollment or application fee:

Account maintenance fee:

Program management fees:

Expenses of the underlying investments:

Total asset-based expense ratio:

Taxes and other Benefits

  • Tax deduction for single filersNo limit
  • Tax deduction for joint filersNo limit

Example

Married filing jointly residents contributing $100/month can expect an additional $0 a year in tax savings.

Program match on contributions:

State tax deduction or credit for contributions:

State tax recapture provisions:

State tax treatment of qualified distributions:

State tax treatment of rollovers:

Does the sponsoring state exclude the value of an account for state financial aid purposes?

Does participation in the program provide beneficiaries with any advantages in qualifying for resident tuition status at state institutions?

Does the program have a formal agreement with a rewards program or outside scholarship program?

Upromise Helps Families Save for College

Statutory protection of an account from creditors:

Distributions & Terminations

To whom are distributions made payable:

Account Changes

Policy regarding participant/owner changes:

Documents, Access & Reporting

Does participant have online password-protected access to account?

Can the complete enrollment process including funding be done online?

Documents and other services accessible or downloadable on the program's public Web site:

Contact

Website:

Telephone:

Twitter

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