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U.Fund College Investing Plan

Massachusetts' U.Fund College Investing Plan, a Fidelity-managed 529 plan follows the same approach as other Fidelity plans in Arizona, Delaware and New Hampshire. It features three age-based options; one using Fidelity mutual funds; one using Fidelity index mutual funds; and a third multi-firm option with portfolios that invest in funds offered by several different companies. The plans also offer 11 static options, and one option that invests in an interest-bearing deposit account.

Our Ratingx

4 of 5

Fee Scorex

4 of 5

Performancex

2.5 of 5

  • Program typeSavings
  • Inception1999
  • State agency
    Massachusetts Educational Financing Authority (MEFA)
  • Tax deduction
    Tax deduction for single filers $1,000/yr
    Tax deduction for joint filers $2,000/yr
  • Program Manager
    Fidelity Investments
  • Program distributor
    Fidelity Brokerage Services, LLC
  • Manager contract termUNLOCK PRO

Investors in U.Fund College Investing Plan 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
Fidelity Funds: MA Portfolio 20240.8%50.86%4.55%38 of 43
Fidelity Funds: MA Portfolio 20210.74%39.05%3.04%80 of 100
Fidelity Funds: MA Portfolio 20180.67%26.3%1.68%56 of 80
Fidelity Funds: MA Portfolio 20300.90%74.5%7.55%14 of 57
Fidelity Funds: MA College Portfolio0.66%23.78%1.48%77 of 80
Fidelity Index Fund: MA Portfolio 20240.15%46.72%5.06%43 of 100
Fidelity Index Fund: MA Portfolio 20210.15%34.15%3.52%93 of 100
Fidelity Index Fund: MA Portfolio 20180.17%21.08%2.1%72 of 80
Fidelity Index Fund: MA Portfolio 20300.13%71.1%8%53 of 57
Fidelity Index Fund: MA College Portfolio0.17%18.93%1.95%53 of 83
Fidelity Funds: MA Portfolio 20270.85%62.11%6.04%21 of 65
Fidelity Index Fund: MA Portfolio 20270.13%58.93%6.5%48 of 65
Multi-Firm Fund: Portfolio 20241%47.30%4.73%16 of 100
Multi-Firm Fund: Portfolio 20210.95%34.70%3.27%74 of 100
Multi-Firm Fund: Portfolio 20180.89%21.57%1.89%47 of 80
Multi-Firm Fund: Portfolio 20301.09%71.78%7.64%32 of 57
Multi-Firm Fund: Portfolio 20271.05%59.48%6.14%33 of 65
Multi-Firm Fund: College Portfolio0.89%19.46%1.73%23 of 83
Fidelity Funds: MA Portfolio 20330.95%86.87%9.18%2 of 29
Multi-Firm Fund: Portfolio 20331.13%83.85%9.22%14 of 29
Fidelity Index Fund: MA Portfolio 20330.13%83.39%9.70%27 of 29
Multi-Firm Fund: Portfolio 20361.16%93.73%10.8%29 of 53
Fidelity Index Fund: MA Portfolio 20360.13%93.62%11.15%43 of 53
Fidelity Funds: MA Portfolio 20360.98%96.4%10.7%7 of 53

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
Fidelity Funds: Aggressive Growth0.99%99.02%11.14%98 of 228
Fidelity Funds: Moderate Growth0.89%70.66%7.22%27 of 52
Fidelity Funds: MA Conservative0.53%2.38%0.06%52 of 68
Fidelity Index Fund: Aggressive Growth0.13%98.6%11.87%131 of 228
Fidelity Index Fund: Moderate Growth0.13%68.6%7.76%42 of 52
Fidelity Index Fund: Conservative0.2%0%0.15%55 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
MA Money Market0.57%0%1.01%56 of 66
MA Inter Treas Index0.18%0%-2.59%66 of 68
MA International Index0.15%100%0.15%219 of 228
MA Fidelity 500 Index0.11%100%17.83%63 of 228
MA Ttl Mkt Index0.11%100%17.47%43 of 228

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

Child age


Max Expense Ratio:2.5%