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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
50.1%
12.35%
-
-
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
47.77%
12.17%
-
-
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
47.77%
12.17%
-
-
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
50%
-
-
-
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
56.36%
11.73%
-
-
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
45.81%
11.68%
12.08%
9.49%
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
45.27%
11.24%
11.79%
9.53%
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
50.89%
12.24%
-
-
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
48.37%
9.79%
-
-
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
50.47%
12.49%
-
-
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 - 0.34%
Performance
1-YR
3-YR
5-YR
10-YR
43.3%
-
-
-
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
47.18%
12.31%
12.78%
10.06%
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
44.55%
10.09%
-
-
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
43.59%
8.9%
-
-
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
59.75%
13.23%
14.29%
-
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
52.81%
12.84%
13.01%
10.15%
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
47.77%
12.17%
-
-
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
47.81%
12.17%
-
-
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
45.27%
11.2%
11.76%
9.35%
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
34.29%
-
-
-
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
49.9%
11.7%
-
-
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
51.47%
11.73%
12.29%
9.62%
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 - 0.65%
Performance
1-YR
3-YR
5-YR
10-YR
59.78%
13.24%
14.32%
-
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 - 0.65%
Performance
1-YR
3-YR
5-YR
10-YR
59.78%
13.24%
14.32%
-
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
52.47%
11.7%
11.99%
9.13%
Why we like this plan
- Large selection of investment options
- Upromise rewards service available