General InformationDownload PDF Report

Idaho College Savings Program (IDeal) logo

Idaho College Savings Program (IDeal)

The Idaho College Savings Program (IDeal) is managed by Ascensus College Savings and offers 10 investment options: three age-based options, six fixed portfolios using Vanguard mutual funds, and a Savings Portfolio invested in the Sallie Mae High-Yield Savings Account. Accounts can be linked to the Upromise rewards service.

Our Ratingx

3.5 of 5

Fee Scorex

2.5 of 5

Performancex

2 of 5

  • Program typeSavings
  • Inception2001, but substantially changed in December 2007
  • State agency
    Idaho College Savings Program Board
  • Tax deduction
    Tax deduction for single filers $6,000/yr
    Tax deduction for joint filers $12,000/yr
  • Program Manager
    Ascensus College Savings
  • Program distributor
    Ascensus College Savings
  • Manager contract termUNLOCK PRO

Investors in Idaho College Savings Program (IDeal) can select from the following investment options. Click on a portfolio name for more information.

Use the form below to filter through the investment options in this plan

Child age


Max Expense Ratio:2.5%

Age Based Investment Options

Sometimes referred to as the enrollment-based option, this is an investment approach where your asset allocation is programmed to change over time. Accounts for young beneficiaries are invested aggressively and accounts for beneficiaries with college right around the corner are invested much more conservatively. In some 529 plans, the age-based option operates by automatically transferring your investment from one static portfolio to another at certain points in time. Others utilize lifecycle funds or employ lifecycle-type tactics within the portfolio containing your investment so that it is not necessary to transfer your investment between portfolios.

PortfolioE.R% Equity1YR PerformanceRank
Conservative
Conservative: Blended Growth Portfolio (0-4)0.5%62.5%6.32%53 of 63
Conservative: Moderate Growth Portfolio (5-6)0.5%50%4.93%23 of 56
Conservative: Moderately Conservative Growth Portfolio (7-9)0.5%37.5%3.53%44 of 56
Conservative: Conservative Growth Portfolio (10-11)0.5%25%2.05%28 of 62
Conservative: Blended Income Portfolio (12-14)0.5%12.5%0.77%52 of 62
Conservative: Income Portfolio (15-16)0.50%0%0.24%58 of 81
Conservative: Income Portfolio (17-18)0.50%0%0.24%57 of 81
Conservative: Interest Accumulation Portfolio (19 or Older)0.50%0%1.29%26 of 81
Moderate
Moderate: Moderately Aggressive Growth Portfolio (0-4)0.50%87.5%9.12%23 of 29
Moderate: Growth Portfolio (5-6)0.5%75%7.68%46 of 57
Moderate: Blended Growth Portfolio (7-9)0.5%62.5%6.32%45 of 65
Moderate: Moderate Growth Portfolio (10-11)0.5%50%4.93%31 of 100
Moderate: Moderately Conservative Growth Portfolio (12-14)0.5%37.5%3.53%89 of 100
Moderate: Conservative Growth Portfolio (15-16)0.5%25%2.05%65 of 80
Moderate: Blended Income Portfolio (17-18)0.5%12.5%0.77%73 of 83
Moderate: Income Portfolio (19 or Older)0.50%0%0.24%59 of 81
Aggressive
Aggressive: Aggressive Growth Portfolio (0-4)0.50%100%10.54%39 of 53
Aggressive: Moderately Aggressive Growth Portfolio (5-6)0.50%87.5%9.12%12 of 57
Aggressive: Growth Portfolio (7-9)0.5%75%7.68%47 of 57
Aggressive: Blended Growth Portfolio (10-11)0.5%62.5%6.32%25 of 43
Aggressive: Moderate Growth Portfolio (12-14)0.5%50%4.93%32 of 100
Aggressive: Moderately Conservative Growth Portfolio (15-16)0.5%37.5%3.53%22 of 80
Aggressive: Conservative Growth Portfolio (17-18)0.5%25%2.05%66 of 80
Aggressive: Blended Income Portfolio (19 or Older)0.5%12.5%0.77%74 of 83

Static Investment Options

This refers to an investment option that is not programmed to change over time. The individual fund portfolio and multi-fund portfolio described below are static options. So are many portfolios that do not use mutual funds, such as stable-value options, guaranteed options, CD options, etc.

PortfolioE.R% Equity1YR PerformanceRank
Aggressive Growth Portfolio0.50%100%10.54%144 of 228
Growth Portfolio0.5%75%7.68%34 of 52
Moderate Growth Portfolio0.5%50%4.93%40 of 52
Conservative Growth Portfolio0.5%25%2.05%31 of 38
Income Portfolio0.50%0%0.24%42 of 68
Moderately Aggressive Growth Portfolio0.50%87.5%9.12%171 of 228
Blended Growth Portfolio0.5%62.5%6.32%47 of 52
Moderately Conservative Growth Portfolio0.5%37.5%3.53%13 of 38
Blended Income Portfolio0.5%12.5%0.77%22 of 68

Individual Investment Options

Sometimes called a single-fund option, this is a portfolio invested in a single mutual fund. Often the name of the 529 portfolio is very similar to the name of the underlying mutual fund. A large number of broker-sold 529s offer an extensive line-up of individual fund options, while a smaller number of direct-sold 529s offer them.

PortfolioE.R% Equity1YR PerformanceRank
Interest Accumulation Portfolio0.50%0%1.29%37 of 66

Use the form below to filter through the investment options in this plan

Child age


Max Expense Ratio:2.5%