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Best rated 529 plans of 2019
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 - 0.19%
Performance
1-YR
3-YR
5-YR
10-YR
5.86%
-
-
-
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 - 0.13%
Performance
1-YR
3-YR
5-YR
10-YR
6.66%
-
-
-
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 - 0.18%
Performance
1-YR
3-YR
5-YR
10-YR
7.08%
11.32%
7.41%
-
Why we like this plan
- Tax deduction on contributions for residents
- Low fees
- Large selection of investment options
Our rating for residents
Our rating for non-residents
Fees - 0.34%
Performance
1-YR
3-YR
5-YR
10-YR
6.18%
-
-
-
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 - 0.43%
Performance
1-YR
3-YR
5-YR
10-YR
7.1%
11.11%
7.45%
-
Why we like this plan
- Large tax deduction on contributions for residents
- Large selection of investment options
- Upromise rewards service available
Our rating for residents
Our rating for non-residents
Fees - 0.45%
Performance
1-YR
3-YR
5-YR
10-YR
4.75%
-
-
-
Why we like this plan
- Large selection of investment options
- Low fees
Our rating for residents
Our rating for non-residents
Fees - 0.7%
Performance
1-YR
3-YR
5-YR
10-YR
6.13%
12.5%
-
-
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 - 0.34%
Performance
1-YR
3-YR
5-YR
10-YR
6.49%
-
-
-
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 - 0.15%
Performance
1-YR
3-YR
5-YR
10-YR
5.85%
-
-
-
Why we like this plan
- Strong long-term performance
- Low fees
- Upromise rewards service available
Our rating for residents
Our rating for non-residents
Fees - 0.16%
Performance
1-YR
3-YR
5-YR
10-YR
7.1%
9.57%
6.66%
-
Why we like this plan
- Strong long-term performance
- Low fees
- Large selection of age-based investment options
Our rating for residents
Our rating for non-residents
Fees - 0.17%
Performance
1-YR
3-YR
5-YR
10-YR
6.35%
10.21%
6.67%
10.54%
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 - 0.2%
Performance
1-YR
3-YR
5-YR
10-YR
6.13%
10.06%
6.57%
10.55%
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 - 0.41%
Performance
1-YR
3-YR
5-YR
10-YR
5.47%
-
-
-
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 - 0.53%
Performance
1-YR
3-YR
5-YR
10-YR
5.93%
10.44%
6.77%
10.72%
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 - 0.55%
Performance
1-YR
3-YR
5-YR
10-YR
4.81%
-
-
-
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 - 0.56%
Performance
1-YR
3-YR
5-YR
10-YR
5.96%
11.81%
7.48%
-
Why we like this plan
- Strong long-term performance
- Low fees
- Large selection of investment options
Our rating for residents
Our rating for non-residents
Fees - 0.7%
Performance
1-YR
3-YR
5-YR
10-YR
6.13%
12.5%
-
-
Why we like this plan
- Strong long-term performance
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.79%
Performance
1-YR
3-YR
5-YR
10-YR
6.68%
10.88%
6.94%
11.19%
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 - 0.12%
Performance
1-YR
3-YR
5-YR
10-YR
6.75%
10.43%
6.73%
10.23%
Why we like this plan
- Residents allowed to deduct full contribution amount from WV state taxes
- Strong long-term performance
- Low fees
Our rating for residents
Our rating for non-residents
Fees - 0.13%
Performance
1-YR
3-YR
5-YR
10-YR
6.49%
-
-
-
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 - 0.23%
Performance
1-YR
3-YR
5-YR
10-YR
6.91%
9.7%
6.48%
-
Why we like this plan
- Large selection of age-based investment options
- Tax deduction on contributions for residents
Our rating for residents
Our rating for non-residents
Fees - 0.23%
Performance
1-YR
3-YR
5-YR
10-YR
6.1%
10.04%
6.53%
10.3%
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 - 0.29%
Performance
1-YR
3-YR
5-YR
10-YR
5.94%
-
-
-
Why we like this plan
- Large tax deduction on contributions for residents
- Large selection of investment options
- CHET Baby Scholars grant provides a match for qualifying accounts
Our rating for residents
Our rating for non-residents
Fees - 0.3%
Performance
1-YR
3-YR
5-YR
10-YR
6.26%
-
-
-
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 - 0.35%
Performance
1-YR
3-YR
5-YR
10-YR
6.83%
-
-
-
Why we like this plan
- Large tax deduction on contributions for residents
- Socially responsible investment portfolios