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my529

my529, formerly named Utah Educational Savings Plan (UESP), is a direct-sold 529 college savings plan available to residents of any state. my529 offers investment options consisting of Vanguard and Dimensional funds, the PIMCO Interest Income Fund and an FDIC-insured account option. Utah residents may enjoy a state tax credit for contributions to the plan.


  • Program typeSavings
  • Inception1996
  • State agency
    Utah Higher Education Assistance Authority
  • Tax deduction
    For single filers, 5% on up to $1,960/yr
    For joint filers, 5% on up to $3,920/yr
  • Program Manager
    Utah Higher Education Assistance Authority
  • Program distributor
    Not applicable.
  • Manager contract termUNLOCK PRO

Investors in my529 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 Customized: 13-140.59%0%N/AN/A
Age-Based Customized: 150.59%0%N/AN/A
Age-Based Customized: 160.59%0%N/AN/A
Age-Based Customized: 170.59%0%N/AN/A
Age-Based Customized: 180.59%0%N/AN/A
Age-Based Customized: 0-30.59%0%N/AN/A
Age-Based Customized: 4-60.59%0%N/AN/A
Age-Based Customized: 7-90.59%0%N/AN/A
Age-Based Customized: 10-120.59%0%N/AN/A
Age-Based Customized: 19+ or College Enrolled0.59%0%N/AN/A
Conservative
Age-Based Conservative: 13-140.18%20%3.13%36 of 62
Age-Based Conservative: 150.18%10%1.58%49 of 62
Age-Based Conservative: 160.17%0%0.72%20 of 81
Age-Based Conservative: 170.16%0%1.06%15 of 81
Age-Based Conservative: 180.16%0%2.19%7 of 81
Age-Based Conservative: 0-30.18%60%7.03%43 of 63
Age-Based Conservative: 4-60.18%60%7.04%45 of 63
Age-Based Conservative: 7-90.19%45%5.37%26 of 56
Age-Based Conservative: 10-120.19%30%3.69%10 of 62
Age-Based Conservative: 19+0.15%0%1.84%3 of 81
Moderate
Age-Based Moderate: 13-140.19%40%5.05%68 of 100
Age-Based Moderate: 150.18%30%4.04%8 of 62
Age-Based Moderate: 160.18%20%2.5%18 of 83
Age-Based Moderate: 170.18%10%2.19%61 of 83
Age-Based Moderate: 180.18%0%0.91%21 of 81
Age-Based Moderate: 0-30.17%80%9.16%11 of 63
Age-Based Moderate: 4-60.17%80%9.18%10 of 63
Age-Based Moderate: 7-90.18%65%7.59%25 of 65
Age-Based Moderate: 10-120.19%50%6.03%17 of 100
Age-Based Moderate: 19+0.18%0%1.18%27 of 81
Aggressive
Age-Based Aggressive Domestic: 13-140.17%60%10.18%6 of 43
Age-Based Aggressive Domestic: 150.17%50%7.82%4 of 100
Age-Based Aggressive Domestic: 160.18%40%6.88%5 of 80
Age-Based Aggressive Domestic: 170.18%30%5.42%18 of 80
Age-Based Aggressive Domestic: 180.18%20%3.64%5 of 83
Age-Based Aggressive Global: 13-140.18%60%7.08%30 of 43
Age-Based Aggressive Global: 150.18%50%5.71%23 of 100
Age-Based Aggressive Global: 160.18%40%5.14%15 of 80
Age-Based Aggressive Global: 170.18%30%3.64%32 of 80
Age-Based Aggressive Global: 180.18%20%2.83%14 of 83
Age-Based Aggressive Domestic: 0-30.16%100%17.5%1 of 53
Age-Based Aggressive Domestic: 4-60.16%100%17.47%2 of 53
Age-Based Aggressive Domestic: 7-90.16%85%14.66%1 of 57
Age-Based Aggressive Domestic: 10-120.16%70%11.79%2 of 43
Age-Based Aggressive Domestic: 19+0.18%10%3.36%63 of 83
Age-Based Aggressive Global: 0-30.17%100%11.70%20 of 53
Age-Based Aggressive Global: 4-60.17%100%11.70%19 of 53
Age-Based Aggressive Global: 7-90.17%85%9.95%10 of 57
Age-Based Aggressive Global: 10-120.18%70%7.93%10 of 43
Age-Based Aggressive Global: 19+0.18%10%2.38%62 of 83

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
Equity--10% International0.18%100%14.94%90 of 228
Equity--30% International0.18%100%12.95%105 of 228
Customized Static0.58%0%N/AN/A
70% Equity/30% Fixed Income0.19%70%10.39%9 of 52
20% Equity/80% Fixed Income0.19%20%2.86%6 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
Public Treasurers' Inv. Fund Utah Res.0%0%2.13%4 of 66
Equity--100% Domestic0.18%100%17.7%74 of 228
Fixed Income0.15%0%-0.86%66 of 68
Public Treasurers' Inv. Fund Non-Utah Res.0.16%0%1.98%11 of 66

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

Child age


Max Expense Ratio:2.5%