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New York's 529 College Savings Program -- Direct Plan logo

New York's 529 College Savings Program -- Direct Plan

New York's direct-sold 529 college savings plan is available to residents of any state. It offers low fees and diverse investment options featuring Vanguard mutual funds. New York residents may enjoy a state tax deduction for contributions to the plan.

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Performancex

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  • Program typeSavings
  • Inception1998, but substantially changed in November 2003
  • State agency
    Office of the State Comptroller and the New York State Higher Education Services Corporation
  • Tax deduction
  • Program Manager
    Ascensus College Savings
  • Program distributor
    Vanguard Marketing Corporation
  • Manager contract termUNLOCK PRO
Plan Details
Investment Options

Investors in New York's 529 College Savings Program -- Direct 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.x% Equity1YR PerformanceRank
Conservative
Conservative Age-Based Portfolio: Blended Growth (0-4 Years)0.13%62.5%-4.71%14 of 72
Conservative Age-Based Portfolio: Moderate Growth (5-6 Years)0.13%50%-3.59%28 of 70
Conservative Age-Based Portfolio: Disciplined Growth (7-8 Years)0.13%37.5%-2.44%10 of 70
Conservative Age-Based Portfolio: Conservative Growth (9-10 Years)0.13%25%-1.48%2 of 70
Conservative Age-Based Portfolio: Conservative (11-12 Years)0.13%12.5%-0.49%19 of 78
Conservative Age-Based Portfolio: Income (13-14 Years)0.13%0%1.02%4 of 78
Conservative Age-Based Portfolio: Balanced Income (15-16 Years)0.13%0%1.29%23 of 80
Conservative Age-Based Portfolio: Conservative Income (17-18 Years)0.13%0%1.69%14 of 80
Conservative Age-Based Portfolio: Interest Accumulation (19 Years and Over)0.13%0%2.01%5 of 80
Moderate
Moderate Age-Based Portfolio: Aggressive (0-4 Years)0.13%87.5%-6.90%10 of 35
Moderate Age-Based Portfolio: Growth (5-6 Years)0.13%75%-5.82%6 of 53
Moderate Age-Based Portfolio: Blended Growth (7-8 Years)0.13%62.5%-4.71%22 of 92
Moderate Age-Based Portfolio: Moderate Growth (9-10 Years)0.13%50%-3.59%27 of 70
Moderate Age-Based Portfolio: Disciplined Growth (11-12 Years)0.13%37.5%-2.44%10 of 120
Moderate Age-Based Portfolio: Conservative Growth (13-14 Years)0.13%25%-1.48%33 of 78
Moderate Age-Based Portfolio: Conservative (15-16 Years)0.13%12.5%-0.49%35 of 122
Moderate Age-Based Portfolio: Income (17-18 Years)0.13%0%1.02%46 of 80
Moderate Age-Based Portfolio: Income (19 Years and Over)0.13%0%1.02%45 of 80
Aggressive
Aggressive Age-Based Portfolio: Aggressive Growth (0-4 Years)0.13%100%-8.02%17 of 55
Aggressive Age-Based Portfolio: Aggressive (5-6 Years)0.13%87.5%-6.90%29 of 53
Aggressive Age-Based Portfolio: Aggressive (7-8 Years)0.13%87.5%-6.90%28 of 53
Aggressive Age-Based Portfolio: Growth (9-10 Years)0.13%75%-5.82%5 of 53
Aggressive Age-Based Portfolio: Blended Growth (11-12 Years)0.13%62.5%-4.71%16 of 46
Aggressive Age-Based Portfolio: Moderate Growth (13-14 Years)0.13%50%-3.59%60 of 120
Aggressive Age-Based Portfolio: Disciplined Growth (15-16 Years)0.13%37.5%-2.44%47 of 78
Aggressive Age-Based Portfolio: Conservative Growth (17-18 Years)0.13%25%-1.48%9 of 78
Aggressive Age-Based Portfolio: Conservative (19 Years and Over)0.13%12.5%-0.49%34 of 122

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.x% Equity1YR PerformanceRank
Conservative Growth Portfolio0.13%25%-1.48%5 of 39
Growth Portfolio0.13%75%-5.82%16 of 50
Income Portfolio0.13%0%1.02%15 of 70
Moderate Growth Portfolio0.13%50%-3.59%5 of 52

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.x% Equity1YR PerformanceRank
Aggressive Growth Portfolio0.13%100%-8.02%104 of 235
Growth Stock Index Portfolio0.13%100%-3.42%11 of 235
Mid-Cap Stock Index Portfolio0.13%100%-9.33%143 of 235
Small-Cap Stock Index Portfolio0.13%100%-9.42%146 of 235
Value Stock Index Portfolio0.13%100%-5.53%62 of 235
Bond Market Index Portfolio0.13%0%-0.06%16 of 70
Inflation-Protected Securities Portfolio0.13%0%-1.48%17 of 18
Interest Accumulation Portfolio0.13%0%2.01%11 of 68
Developed Markets Index Portfolio0.13%100%-14.58%217 of 235

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

Child age


Max Expense Ratio:2.5%