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Path2College 529 Plan

4.5 / 5

Our rating

Good GA resident benefits

GA resident benefits

The Georgia Path2College 529 Plan, a TIAA-managed 529 savings program, features a year of enrollment track with 10 portfolios and six static investment options including a Principal Plus Interest Portfolio with a minimum effective annual interest rate between 1% and 3%.

Path2College 529 PlanTop of the Class

KEY METRICS

OVERVIEW

Program type

Savings

Inception

2002

State agency

Georgia Higher Education Savings Plan Board

Tax deduction

For single filers: $4,000/yr per beneficiary

For joint filers: $8,000/yr per beneficiary

Program manager

TIAA-CREF Tuition Financing, Inc.

Program distributor

TIAA-CREF Individual & Institutional Services, LLC

Manager contract term

MORE INFORMATION

Eligibility

State residency requirements:

None

Who can be a participant/owner in the program?

U.S. citizens and resident aliens at least 18 years old, UGMA/UTMA custodians, and legal entities.

Significant time or age restrictions imposed by the program:

None

Contributions

Maximum contributions:

Accepts contributions until all account balances in Georgia's 529 plan for the same beneficiary reach $235,000.

Minimum contributions:

$25 (any dollar amount is accepted for contributions made via payroll direct deposit).

Does the program offer an e-gifting platform for receiving gift contributions?

Yes, This plan offers a robust gifting platform that allows gift-givers to save their own profile for recurring or future contributions.

SPONSORED

Other great plans to consider

You are not limited to your own state's 529 plan, so compare the plan and tax benefits offered by your state to other options. Here are some plans that are available to residents of any state and have earned awards in our 529 Plan Ratings:

Investment Options

Investors in Path2College 529 Plan can select from the following investment options. Click on a portfolio name for more information.

Choose among 10 Enrollment Year Investment Portfolios. Contributions are placed into the portfolio corresponding to the number of years to expected enrollment based on the age of the beneficiary or as selected by the account owner. Nine portfolios shift to a more conservative or less aggressive investment allocation as the beneficiary approaches college age, eventually transferring to the In School Enrollment portfolio.
PortfolioE.R. % Equity1yr performance
2036/2037 Enrollment Portfolio0.1%72%7.08%
2034/2035 Enrollment Portfolio0.1%68%7.04%
2032/2033 Enrollment Portfolio0.1%60%6.92%
2030/2031 Enrollment Portfolio0.09%48%6.8%
2028/2029 Enrollment Portfolio0.07%32.4%6.32%
2026/2027 Enrollment Portfolio0.07%22.5%5.31%
In School Enrollment Portfolio0.06%13.95%4.54%
2038/2039 Enrollment Portfolio0.1%76%7.22%
2040/2041 Enrollment Portfolio0.1%80%7.13%
2042/2043 Enrollment Portfolio0.1%80%N/A

Age-based/Enrollment Year investment options:

Choose among 10 Enrollment Year Investment Portfolios. Contributions are placed into the portfolio corresponding to the number of years to expected enrollment based on the age of the beneficiary or as selected by the account owner. Nine portfolios shift to a more conservative or less aggressive investment allocation as the beneficiary approaches college age, eventually transferring to the In School Enrollment portfolio.

Static investment options:

Select among 4 multi-fund portfolios (Balanced Allocation, 100% Fixed Income, Conservative Allocation, and High Equity Allocation), one individual fund (U.S. Equity Index) and the Principal Plus Interest Portfolio.

Underlying investments:

TIAA-CREF, DFA and Vanguard mutual funds; the Principal Plus Interest Portfolio is invested in a funding agreement with TIAA-CREF Life Insurance Company that guarantees principal and a minimum 1% - 3% annual rate of interest (actual rate, which may be greater, is declared in advance for a period of 12 months).

Underlying fund allocations:

Portfolio Fees & Performance Lookup

Fees & Expenses

Enrollment or application fee:

None.

Account maintenance fee:

None.

Program management fees:

0.02% manager fee. None for the Principal Plus Interest Portfolio.

Expenses of the underlying investments:

0.02% to 0.08%; none for the Principal Plus Interest Option.

Total asset-based expense ratio:

0.06% - 0.12%. None for the Principal Plus Interest Option.

Taxes and other Benefits

Tax deduction for single filers:

$4,000/yr per beneficiary

Tax deduction for joint filers:

$8,000/yr per beneficiary

Program match on contributions:

None.

State tax deduction or credit for contributions:

Contributions to the Georgia 529 plan of up to $4,000 per beneficiary per year for those filing a single return and $8,000 per year per beneficiary for those filing a joint return are deductible in computing Georgia taxable income. Incoming rollovers from other 529 plans do not qualify as contributions eligible for the state income tax deduction. Contribution deadline is April 15 of the following year.

Calculate your Georgia 529 tax benefit

Find out how much you can save on state taxes this year by contributing to a Georgia 529 plan.

Your tax savings per year
$0

Household income

$100,000

Monthly Contribution

$100

State tax recapture provisions:

Any portion of a rollover to another state's qualified tuition program, a Taxable Withdrawal, or a Non-Qualified Withdrawal that is attributable to contributions previously deducted for Georgia income tax purposes will be taxed to the Account Owner in the year of the withdrawal or rollover.

State definition of qualified expenses

The state conforms with the federal definition of qualified education expenses, which includes expenses for higher education, apprenticeship programs, interest and/or principal on qualified education loans up to a $10,000 lifetime cap, and up to $10,000 per year in tuition in connection with enrollment or attendance at an elementary or secondary public, private, or religious school. Distributions from a 529 account directly to a Roth IRA are considered a qualified expense for state income tax purposes.

State tax treatment of qualified distributions:

Qualified distributions from Georgia and non-Georgia 529 plans are exempt. Note: if a withdrawal from the Georgia 529 plan is non-qualified, the earnings must be reported on the account owner's, not the beneficiary's, Georgia income tax return.

State tax treatment of rollovers:

Georgia follows federal tax-free treatment except that outbound rollovers are subject to the recapture of prior state tax deductions.

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

Yes

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

No

Is there a rewards program or outside scholarship program that works with this program?

No

Statutory protection of an account from creditors:

Distributions & Terminations

To whom are distributions made payable:

Eligible educational institution or account owner, as directed by the account owner. Distributions may be made payable to the Beneficiary. Note, non qualified withdrawals and withdrawals for K-12 expenses are payable to the account owner only.

Account Changes

Policy regarding participant/owner changes:

Accepts requests to transfer account ownership.

Documents, Access & Reporting

Does participant have online password-protected access to account?

Yes

Can the complete enrollment process including funding be done online?

Yes

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

Contact

Website:

http://www.path2college529.com

Telephone:

1-877-424-4377

Twitter

https://twitter.com/#!/Path2College529

Social Media

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