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General Information
Achieve Montana
The Montana Family Education Savings Program -- Investment Plan was renamed Achieve Montana with a new suite of investments added in October 2015. Ascensus College Savings continues to serve as program manager for this direct-sold plan. The plan features a year-of-enrollment option, five asset allocation portfolios and three individual fund portfolios including the Capital Preservation Portfolio invested in the New York Life Guaranteed Investment Account. Underlying funds are from Vanguard, DFA, iShares and Schwab. Accounts can be linked to the Upromise rewards service.
Our Ratingix
3 of 5
Fee Scoreix
2 of 5
Performanceix
2.5 of 5
- Program typeSavings
- Inception2002, but substantially changed in December 2010 and October 2015.
- State agencyMontana Board of Regents of Higher Education
- Tax deduction
- Program ManagerAscensus College Savings
- Program distributorAscensus College Savings
Investors in Achieve Montana 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.
| Portfolio | E.R.ix | % Equity | 1YR Performance | Rank |
|---|---|---|---|---|
| 2038 Enrollment Portfolio | 0.59% | 90% | N/A | N/A |
| 2035 Enrollment Portfolio | 0.58% | 79.23% | N/A | N/A |
| 2032 Enrollment Portfolio | 0.58% | 68.33% | N/A | N/A |
| 2029 Enrollment Portfolio | 0.58% | 57.5% | N/A | N/A |
| 2026 Enrollment Portfolio | 0.58% | 41.67% | N/A | N/A |
| 2023 Enrollment Portfolio | 0.58% | 22% | N/A | N/A |
| College Portfolio | 0.56% | 10% | N/A | N/A |
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.
| Portfolio | E.R.ix | % Equity | 1YR Performance | Rank |
|---|---|---|---|---|
| Income Portfolio | 0.56% | 10% | 5.96% | 30 of 70 |
| Aggressive Portfolio | 0.59% | 90% | 49.41% | 160 of 235 |
| Growth Portfolio | 0.58% | 70% | 38.56% | 122 of 235 |
| Moderate Portfolio | 0.58% | 50% | 27.3% | 23 of 50 |
| Conservative Portfolio | 0.58% | 30% | 16.07% | 23 of 39 |
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.
| Portfolio | E.R.ix | % Equity | 1YR Performance | Rank |
|---|---|---|---|---|
| Capital Preservation Portfolio | 0.4% | 0% | 2.23% | N/A |
| Equity Index Portfolio | 0.57% | 100% | N/A | N/A |
| Bond Index Portfolio | 0.57% | 0% | N/A | N/A |
Use the form below to filter through the investment options in this plan