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Best rated 529 plans of 2020
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
2.34%
-
-
-
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
2.69%
-
-
-
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
3.44%
10.1%
7.98%
-
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
3.59%
8.09%
-
-
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
3.85%
9.96%
7.99%
-
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 - 0.44%
Performance
1-YR
3-YR
5-YR
10-YR
1.06%
-
-
-
Why we like this plan
- Large selection of investment options
- Low fees
Our rating for residents
Our rating for non-residents
Fees - 0.28%
Performance
1-YR
3-YR
5-YR
10-YR
1.66%
-
-
-
Why we like this plan
Our rating for residents
Our rating for non-residents
Fees - 0.34%
Performance
1-YR
3-YR
5-YR
10-YR
2.6%
-
-
-
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 - 0.39%
Performance
1-YR
3-YR
5-YR
10-YR
2.69%
9.76%
7.62%
9.68%
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 - 0.15%
Performance
1-YR
3-YR
5-YR
10-YR
2.1%
-
-
-
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
4.28%
8.74%
7.27%
-
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
2.98%
8.92%
7.04%
9.03%
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
3.1%
8.73%
6.96%
9.16%
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 - 0.23%
Performance
1-YR
3-YR
5-YR
10-YR
3.09%
8.69%
6.92%
8.9%
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 - 0.41%
Performance
1-YR
3-YR
5-YR
10-YR
2.92%
-
-
-
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
2.54%
8.77%
7.08%
9.16%
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 - 0.53%
Performance
1-YR
3-YR
5-YR
10-YR
1.89%
-
-
-
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
3.15%
10.13%
7.93%
-
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 - 0.69%
Performance
1-YR
3-YR
5-YR
10-YR
2.16%
10.56%
-
-
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 - 0.69%
Performance
1-YR
3-YR
5-YR
10-YR
2.16%
10.56%
-
-
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
2.85%
9.44%
7.43%
9.67%
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 - 0.94%
Performance
1-YR
3-YR
5-YR
10-YR
0.68%
-
-
-
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 - 0.12%
Performance
1-YR
3-YR
5-YR
10-YR
3.26%
9.18%
7.18%
8.9%
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 - 0.23%
Performance
1-YR
3-YR
5-YR
10-YR
4.12%
8.75%
7.05%
-
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 - 0.24%
Performance
1-YR
3-YR
5-YR
10-YR
4.76%
-
-
-
Why we like this plan
- Strong long-term performance
- Large selection of age-based investment options
- Upromise rewards and SAGE Scholars service available