General InformationDownload PDF Report

Achieve Montana logo

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. Five investment options are offered featuring Vanguard and DFA funds as underlying investments and an FDIC-insured savings option is also available. Accounts can be linked to the Upromise rewards service.

Our Ratingx

2.5 of 5

Fee Scorex

1 of 5

Performancex

N/A

  • Program typeSavings
  • Inception2002, but substantially changed in December 2010 and October 2015.
  • State agency
    Montana Board of Regents of Higher Education
  • Tax deduction
    Tax deduction for single filers $3,000/yr
    Tax deduction for joint filers $6,000/yr
  • Program Manager
    Ascensus College Savings, with The Vanguard Group and Dimensional Fund Advisors LP as investment managers.
  • Program distributor
    Ascensus College Savings
  • Manager contract termUNLOCK PRO

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.

PortfolioE.R% Equity1YR PerformanceRank
Age-Based Option: Age 0-40.8%100%8.89%51 of 53
Age-Based Option: Age 5-100.80%88%7.72%42 of 57
Age-Based Option: Age 11-140.80%65%5.59%35 of 43
Age-Based Option: Age 15-170.83%30%2.6%63 of 80
Age-Based Option: Age 18+0.83%0%0.3%75 of 81

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
Income Portfolio0.83%0%0.3%60 of 68
Aggressive Portfolio0.8%100%8.89%168 of 228
Growth Portfolio0.80%88%7.72%179 of 228
Moderate Portfolio0.80%65%5.59%51 of 52
Conservative Portfolio0.83%30%2.6%28 of 38

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
Sorry. No investment options found with an expense ratio lower than 2.5%

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

Child age


Max Expense Ratio:2.5%