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Best rated 529 plans of 2023
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 - 0.12%
Performance
1-YR
3-YR
5-YR
10-YR
-19.77%
4.99%
-
-
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 - 0.14%
Performance
1-YR
3-YR
5-YR
10-YR
-19.77%
-
-
-
Why we like this plan
- Strong long-term performance
- Large selection of investment options
- Residents allowed to deduct full contribution amount from NM state taxes
Our rating for residents
Our rating for non-residents
Fees - 0.14%
Performance
1-YR
3-YR
5-YR
10-YR
-19.33%
-
-
-
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 - 0.27%
Performance
1-YR
3-YR
5-YR
10-YR
-20.86%
-
-
-
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 - 0.28%
Performance
1-YR
3-YR
5-YR
10-YR
-
-
-
-
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 - 0.12%
Performance
1-YR
3-YR
5-YR
10-YR
-19.9%
3.16%
4.56%
-
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
-16.93%
4.22%
5.24%
7.95%
Why we like this plan
- Strong long-term performance
- Low fees
- Residents allowed to deduct full contribution amount from SC state taxes
Our rating for residents
Our rating for non-residents
Fees - 0.14%
Performance
1-YR
3-YR
5-YR
10-YR
-20.55%
-
-
-
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 - 0.15%
Performance
1-YR
3-YR
5-YR
10-YR
-19.62%
-
-
-
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 - 0.18%
Performance
1-YR
3-YR
5-YR
10-YR
-19.53%
-
-
-
Why we like this plan
- Large tax deduction on contributions for residents
- Large selection of investment options
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.38%
Performance
1-YR
3-YR
5-YR
10-YR
-20.45%
3.67%
4.35%
-
Why we like this plan
- Large selection of investment options
- Low fees
Our rating for residents
Our rating for non-residents
Fees - 0.64%
Performance
1-YR
3-YR
5-YR
10-YR
-17.04%
6.13%
-
-
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 - 0.64%
Performance
1-YR
3-YR
5-YR
10-YR
-22.02%
3.61%
-
-
Why we like this plan
- Tax deduction on contributions for residents
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.68%
Performance
1-YR
3-YR
5-YR
10-YR
-18.61%
4.23%
5.33%
7.85%
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 - 0.25%
Performance
1-YR
3-YR
5-YR
10-YR
-20.19%
-
-
-
Why we like this plan
- Large tax deduction on contributions for residents
- Guaranteed rate of interest investment option
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.29%
Performance
1-YR
3-YR
5-YR
10-YR
-20.07%
3.3%
-
-
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 - 0.3%
Performance
1-YR
3-YR
5-YR
10-YR
-20.28%
1.98%
3.61%
6.38%
Why we like this plan
- Large selection of age-based investment options
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.63%
Performance
1-YR
3-YR
5-YR
10-YR
-18.84%
4.3%
3.93%
7.86%
Why we like this plan
- Residents allowed to deduct full contribution amount from WV state taxes
- 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
-
-
-
-
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 - 0.19%
Performance
1-YR
3-YR
5-YR
10-YR
-19.39%
2.64%
3.9%
6.88%
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 - 0.21%
Performance
1-YR
3-YR
5-YR
10-YR
-19.54%
3.52%
4.59%
-
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 - 0.22%
Performance
1-YR
3-YR
5-YR
10-YR
-
-
-
-
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 - 0.25%
Performance
1-YR
3-YR
5-YR
10-YR
-20.97%
3.94%
-
-
Why we like this plan
- Strong long-term performance
- Low fees
- Tennessee Investments Preparing Scholars Program for qualifying accounts
Our rating for residents
Our rating for non-residents
Fees - 0.47%
Performance
1-YR
3-YR
5-YR
10-YR
-19.79%
-
-
-
Why we like this plan
- Guaranteed investment option with minimum rate of return
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.49%
Performance
1-YR
3-YR
5-YR
10-YR
-21.36%
2.67%
3.89%
7.14%
Why we like this plan
- Strong long-term performance
- Low fees
- Matching Grants for qualifying accounts