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Best rated 529 plans of 2021
We assign a rating to each state-sponsored 529 plan ranging from one cap (least attractive) to five caps (most attractive). The 5-Cap Rating represents our analysis of the overall usefulness of a state's 529 plan based on many considerations.
The 5-Cap Rating is not strictly a measure of historical returns and it is not a predictor of future investment performance, level of investment risk, or financial solvency of the program funds.
plan name
state
rating
Our rating for residents
Our rating for non-residents
Fees - 0.13%
Performance
1-YR
3-YR
5-YR
10-YR
15.92%
10.52%
-
-
Why we like this plan
- Strong long-term performance
- Low fees
- Large tax deduction on contributions for residents
Our rating for residents
Our rating for non-residents
Fees - 0.14%
Performance
1-YR
3-YR
5-YR
10-YR
16.37%
10.59%
-
-
Why we like this plan
- Large selection of investment options
- Tax deduction on contributions for residents
- Fidelity Investments 529 College Rewards American Express Card rebates 2% of purchases
Our rating for residents
Our rating for non-residents
Fees - 0.14%
Performance
1-YR
3-YR
5-YR
10-YR
16.45%
10.62%
-
-
Why we like this plan
- Large selection of investment options
- Fidelity Investments 529 College Rewards American Express Card rebates 2% of purchases
- Low-cost index fund investment options
Our rating for residents
Our rating for non-residents
Fees - 0.17%
Performance
1-YR
3-YR
5-YR
10-YR
15.9%
-
-
-
Why we like this plan
- Strong long-term performance
- Low fees
- Large tax deduction on contributions for residents
Our rating for residents
Our rating for non-residents
Fees - 0.43%
Performance
1-YR
3-YR
5-YR
10-YR
14.41%
9.38%
-
-
Why we like this plan
- Large selection of investment options
- Low fees
Our rating for residents
Our rating for non-residents
Fees - 0.15%
Performance
1-YR
3-YR
5-YR
10-YR
15.56%
9.97%
11.41%
9.52%
Why we like this plan
- Strong long-term performance
- Low fees
- Tax credit on contributions for residents
Our rating for residents
Our rating for non-residents
Fees - 0.19%
Performance
1-YR
3-YR
5-YR
10-YR
15.14%
9.69%
11.21%
9.63%
Why we like this plan
- Strong long-term performance
- Low fees
- Large tax deduction on contributions for residents
Our rating for residents
Our rating for non-residents
Fees - 0.21%
Performance
1-YR
3-YR
5-YR
10-YR
15.33%
10.05%
-
-
Why we like this plan
- Large selection of investment options
- Large tax deduction on contributions for residents
- Collegecounts 529 Rewards Visa Card earns you 1.529% on everyday purchases
Our rating for residents
Our rating for non-residents
Fees - 0.26%
Performance
1-YR
3-YR
5-YR
10-YR
15.15%
-
-
-
Why we like this plan
Our rating for residents
Our rating for non-residents
Fees - 0.32%
Performance
1-YR
3-YR
5-YR
10-YR
16.71%
-
-
-
Why we like this plan
- Strong long-term performance
- Residents allowed to deduct full contribution amount from CO state taxes
- Matching Grant Program with a dollar-for-dollar match for qualifying CO residents
Our rating for residents
Our rating for non-residents
Fees - 0.34%
Performance
1-YR
3-YR
5-YR
10-YR
13.7%
-
-
-
Why we like this plan
- Tax deduction on contributions for residents
- CollegeBoundbaby grant for qualifying accounts
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.35%
Performance
1-YR
3-YR
5-YR
10-YR
16.32%
10.67%
12.1%
10.16%
Why we like this plan
- Large tax credit on contributions for residents
- Upromise rewards service available
Our rating for residents
Our rating for non-residents
Fees - 0.39%
Performance
1-YR
3-YR
5-YR
10-YR
11.23%
8.02%
-
-
Why we like this plan
- Large selection of investment options
- FDIC-insured savings account option
- Upromise rewards service available
Our rating for residents
Our rating for non-residents
Fees - 0.5%
Performance
1-YR
3-YR
5-YR
10-YR
12.77%
7.35%
-
-
Why we like this plan
- Tax deduction on contributions for residents
- Socially responsible investment portfolio
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.58%
Performance
1-YR
3-YR
5-YR
10-YR
16.83%
11.08%
13.03%
-
Why we like this plan
- Tax deduction on contributions for residents
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.74%
Performance
1-YR
3-YR
5-YR
10-YR
15.43%
10.67%
11.84%
10.03%
Why we like this plan
- Large selection of investment options
- Matching Grant Program for qualifying KS residents
- Upromise rewards service available
Our rating for residents
Our rating for non-residents
Fees - 0.14%
Performance
1-YR
3-YR
5-YR
10-YR
16.37%
10.59%
-
-
Why we like this plan
- Large selection of age-based investment options
- Account balances excluded for AZ state financial aid purposes
- Low-cost index fund investment options
Our rating for residents
Our rating for non-residents
Fees - 0.14%
Performance
1-YR
3-YR
5-YR
10-YR
16.38%
10.59%
-
-
Why we like this plan
- Large selection of investment options
- Fidelity Investments 529 College Rewards American Express Card rebates 2% of purchases
- Low-cost index fund investment options
Our rating for residents
Our rating for non-residents
Fees - 0.2%
Performance
1-YR
3-YR
5-YR
10-YR
15.16%
9.67%
11.19%
9.43%
Why we like this plan
- Strong long-term performance
- Large selection of investment options
- Large selection of investment options
Our rating for residents
Our rating for non-residents
Fees - 0.23%
Performance
1-YR
3-YR
5-YR
10-YR
13.38%
-
-
-
Why we like this plan
- Strong long-term performance
- Large selection of age-based investment options
- Upromise rewards and SAGE Scholars service available
Our rating for residents
Our rating for non-residents
Fees - 0.32%
Performance
1-YR
3-YR
5-YR
10-YR
15.95%
9.94%
-
-
Why we like this plan
- Large selection of age-based investment options
- Low fees
Our rating for residents
Our rating for non-residents
Fees - 0.5%
Performance
1-YR
3-YR
5-YR
10-YR
14.63%
9.59%
11.04%
9.6%
Why we like this plan
- Strong long-term performance
- Low fees
- Matching Grants for qualifying accounts
Our rating for residents
Our rating for non-residents
Fees - 0.58%
Performance
1-YR
3-YR
5-YR
10-YR
16.87%
11.1%
13.04%
-
Why we like this plan
- Strong long-term performance
- Tuition-value guarantee for University of Alaska students invested in the ACT portfolio
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.58%
Performance
1-YR
3-YR
5-YR
10-YR
16.87%
11.1%
13.04%
-
Why we like this plan
- Strong long-term performance
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.92%
Performance
1-YR
3-YR
5-YR
10-YR
16.75%
9.57%
10.73%
8.91%
Why we like this plan
- Large selection of investment options
- Upromise rewards service available