General Information

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NC 529 Plan

North Carolina's NC 529 Plan features Vanguard funds in its age-based and static options, and a federally-insured deposit option through the State Employees Credit Union.

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  • Program typeSavings
  • Inception2001
  • State agency
    North Carolina State Education Assistance Authority
  • Tax deduction
  • Program Manager
    College Foundation, Inc.
  • Program distributor
    College Foundation, Inc.

Investors in NC 529 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
Vanguard Aggressive Track (0-4) (Aggressive Growth)0.32%100%16.79%35 of 55
Vanguard Aggressive Track (5-6) (87.5% Stock/12.5% Bond)0.32%87.5%15.95%41 of 53
Vanguard Aggressive Track (7-8) (87.5% Stock/12.5% Bond)0.32%87.5%15.95%40 of 53
Vanguard Aggressive Track (9-10) (Growth)0.32%75%14.5%21 of 53
Vanguard Aggressive Track (11-12) (62.5% Stock/37.5% Bond)0.32%62.5%N/AN/A
Vanguard Aggressive Track (13-14) (Moderate Growth)0.32%50%12.06%92 of 120
Vanguard Aggressive Track (15-16) (37.5% Stock/62.5% Bond)0.32%37.5%10.55%54 of 78
Vanguard Aggressive Track (17-18) (Conservative Growth)0.32%25%N/AN/A
Vanguard Aggressive Track (19+)0%0%N/AN/A
Vanguard Moderate Track (0-4) (87.5% Stock/12.5% Bond)0.32%87.5%15.95%19 of 35
Vanguard Moderate Track (5-6) (Growth)0.32%75%14.5%20 of 53
Vanguard Moderate Track (7-8) (62.5% Stock/37.5% Bond)0.32%62.5%13.25%35 of 92
Vanguard Moderate Track (9-10) (Moderate Growth)0.32%50%12.06%51 of 70
Vanguard Moderate Track (11-12) (37.5% Stock/62.5% Bond)0.32%37.5%10.55%24 of 120
Vanguard Moderate Track (13-14) (Conservative Growth)0.32%25%9.34%44 of 78
Vanguard Moderate Track (15-16) (12.5% Stock/87.5% Bond)0.32%12.5%7.84%40 of 122
Vanguard Moderate Track (17-18) (Income)0.32%0%4.78%47 of 80
Vanguard Moderate Track (19+)0.36%0%N/AN/A
Vanguard Conservative Track (0-4) (62.5% Stock/37.5% Bond)0.32%62.5%13.25%25 of 72
Vanguard Conservative Track (5-6) (Moderate Growth)0.32%50%12.06%50 of 70
Vanguard Conservative Track (7-8) (37.5% Stock/87.5% Bond)0.32%37.5%10.55%16 of 70
Vanguard Conservative Track (9-10) (Conservative Growth)0.32%25%9.34%5 of 70
Vanguard Conservative Track (11-12) (12.5% Stock/87.5% Bond)0.32%12.5%7.84%20 of 78
Vanguard Conservative Track (13-14) (Income)0.32%0%4.78%5 of 78
Vanguard Conservative Track (15-16) (50% Bond/50% Short-Term Reserves)0.31%0%3.74%24 of 80
Vanguard Conservative Track (17-18) (25% Bond/75% Short-Term Reserves)0.31%0%2.93%18 of 80
Vanguard Conservative Track (19+)0.4%0%N/AN/A
Vanguard Aggressive Track (19 or older) (12.5% Stock/87.5% Bond)0.32%12.5%N/AN/A
Vanguard Moderate Track (19 or older) (Income)0.32%0%4.78%49 of 80
Vanguard Conservative Track (19 or older) (Interest Accumulation)0.3%0%1.9%9 of 80

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
Vanguard Income Portfolio0.32%0%4.78%16 of 70
Vanguard Moderate Growth Portfolio0.32%50%12.06%16 of 52
Vanguard Aggressive Growth Portfolio0.32%100%16.79%135 of 235
Vanguard Conservative Growth Portfolio0.32%25%9.34%9 of 39
Vanguard Growth Portfolio0.32%75%14.5%28 of 50

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
Federally Insured Deposit Account0.25%0%0.98%14 of 68
Vanguard Interest Accumulation Portfolio0.3%0%1.9%19 of 68
Vanguard Total International Stock Index Portfolio0.35%100%11%218 of 235
Vanguard Total Stock Market Index Portfolio0.3%100%20.66%57 of 235
Vanguard Total Bond Market Index Portfolio0.32%0%7.5%34 of 70

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

Child age

Max Expense Ratio:2.5%