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Tomorrow's Scholar 529 Plan

Voya, under contract with TIAA-CREF Tuition Financing, Inc., manages Wisconsin's Tomorrow's Scholar® 529 savings program. Voya succeeded Wells Fargo as program manager in late October 2012. The revised program features nine age-based options, five static allocation options, and 22 single fund options investing in Voya mutual funds and other mutual funds managed by BG Overseas, BlackRock Financial Management, CBRE Clarion, Credit Suisse, DIFA, Goldman Sachs, Hahn Capital Management, JPMorgan, Lazard, LSV, Polaris, Van Eck, Voya IM, and Wellington Management. To find a financial advisor in your area, use the Directory of Financial Professionals.

Our Ratingx

4 of 5

Fee Scorex

3.5 of 5


4 of 5

  • Program typeSavings
  • Inception2001, but substantially changed in 2012
  • State agency
    Wisconsin Department of Financial Institutions
  • Tax deduction
    Tax deduction for single filers $3,200/yr
    Tax deduction for joint filers $3,200/yr
  • Program Manager
    Voya (Voya Investments Distributor, LLC and Voya Funds Services, LLC)
  • Program distributor
    Voya Investments Distributor, LLC
  • Manager contract termUNLOCK PRO

Investors in Tomorrow's Scholar 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% Equity1YR PerformanceRank
Voya 529 Age 18+ Option0.74%10%1.14%11 of 33
Voya 529 Age 17 Option0.86%25%2.93%22 of 26
Voya 529 Age 16 Option0.91%35%3.67%12 of 26
Voya 529 Age 15 Option0.92%45%4.55%28 of 32
Voya 529 Age 13-14 Option0.98%49.5%4.99%18 of 32
Voya 529 Age 11-12 Option1.02%64.5%6.84%10 of 20
Voya 529 Age 9-10 Option1.01%69%7.19%13 of 20
Voya 529 Age 5-8 Option1.07%84%8.73%11 of 16
Voya 529 Age 0-4 Option1.13%94%9.52%11 of 16

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
Voya 529 Ultra Conservative Option0.77%10%0.61%20 of 33
Voya 529 Conservative Plus Option0.94%47%4.76%27 of 37
Voya 529 Balanced Option (formerly Moderate Growth)1.04%66.5%6.71%24 of 34
Voya 529 Growth Plus Option1.08%84%8.74%208 of 308
Voya 529 Aggressive Growth Option1.11%94%9.76%173 of 308

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
Voya Large Cap Value Option1.16%100%8.32%268 of 308
Columbia Dividend Opportunity Option1.13%100%10.44%221 of 308
Columbia Limited Duration Credit Option0.95%0%-0.47%17 of 24
VY Clarion Global Real Estate Option1.41%100%1.49%281 of 308
Voya Corporate Leaders 100 Option0.89%100%13%168 of 308
Voya GNMA Income Option1.04%0%-1.11%54 of 98
Voya High Yield Bond Option1.11%0%2.06%33 of 98
Voya Large Cap Growth Option1.07%100%23.89%41 of 308
Voya Mid Cap Opportunities Option1.38%100%18.68%103 of 308
BlackRock Global Allocation Option1.29%65%2.01%32 of 34
Voya Small Cap Opportunities Option1.52%100%12.32%104 of 308
TIAA-CREF Balanced Option0.47%65%10.26%8 of 34
TIAA-CREF Bond Index Option0.52%0%-1.85%78 of 98
TIAA-CREF Equity Index Option0.45%100%16.98%94 of 308
TIAA-CREF International Equity Index Option0.45%100%2.12%254 of 308
TIAA-CREF Principal Protection Option0.2%0%1.15%5 of 26
TIAA-CREF Small-Cap Blend Index Option0.45%100%14.87%62 of 308
Voya Multi-Manager International Equity Option1.10%100%2.42%228 of 308
Northern Small Cap Value Option1.16%100%6.18%184 of 308
Voya Intermediate Bond Option1.48%0%-2.08%87 of 98
Voya Global Perspectives Option1.21%60%3.91%19 of 37
Voya Multi-Manager Mid Cap Value Option1.99%100%6.81%187 of 308

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

Child age

Max Expense Ratio:2.5%