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Best rated 529 plans of 2022
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 - 0.16%
Performance
1-YR
3-YR
5-YR
10-YR
24.68%
11.93%
-
-
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 - 0.12%
Performance
1-YR
3-YR
5-YR
10-YR
24.84%
12.07%
-
-
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 - 0.4%
Performance
1-YR
3-YR
5-YR
10-YR
30.51%
12.25%
-
-
Why we like this plan
- Large selection of investment options
- Low fees
Our rating for residents
Our rating for non-residents
Fees - 0.51%
Performance
1-YR
3-YR
5-YR
10-YR
22.8%
9.77%
-
-
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 - 0.65%
Performance
1-YR
3-YR
5-YR
10-YR
29.92%
13.4%
14.04%
-
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 - 0.67%
Performance
1-YR
3-YR
5-YR
10-YR
29.85%
13.4%
14.03%
-
Why we like this plan
- Tax deduction on contributions for residents
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.26%
Performance
1-YR
3-YR
5-YR
10-YR
24.05%
11.47%
-
-
Why we like this plan
Our rating for residents
Our rating for non-residents
Fees - 0.14%
Performance
1-YR
3-YR
5-YR
10-YR
22.87%
11.69%
-
-
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 - 0.21%
Performance
1-YR
3-YR
5-YR
10-YR
26.31%
12.34%
12.45%
12.34%
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 - 0.47%
Performance
1-YR
3-YR
5-YR
10-YR
27.66%
12.16%
12.11%
11.96%
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 - 0.49%
Performance
1-YR
3-YR
5-YR
10-YR
-
-
-
-
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 - 0.65%
Performance
1-YR
3-YR
5-YR
10-YR
29.92%
13.4%
14.04%
-
Why we like this plan
- Strong long-term performance
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.68%
Performance
1-YR
3-YR
5-YR
10-YR
27.54%
12.67%
12.76%
12.45%
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
23.96%
12.62%
12.48%
11.94%
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
21.32%
10.52%
10.47%
-
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 - 0.19%
Performance
1-YR
3-YR
5-YR
10-YR
22.46%
11.43%
11.52%
11.45%
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
23.05%
11.97%
12.57%
12.35%
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 - 0.31%
Performance
1-YR
3-YR
5-YR
10-YR
24.59%
12.26%
-
-
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 - 0.14%
Performance
1-YR
3-YR
5-YR
10-YR
22.96%
11.72%
-
-
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 - 0.14%
Performance
1-YR
3-YR
5-YR
10-YR
22.96%
11.69%
-
-
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
22.89%
11.7%
-
-
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
22.44%
11.41%
11.49%
11.34%
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 - 0.32%
Performance
1-YR
3-YR
5-YR
10-YR
24.67%
11.85%
-
-
Why we like this plan
- Large selection of age-based investment options
- Low fees
Our rating for residents
Our rating for non-residents
Fees - 0.34%
Performance
1-YR
3-YR
5-YR
10-YR
17.32%
9.67%
-
-
Why we like this plan
- Large tax deduction on contributions for residents
- Socially responsible investment portfolios
Our rating for residents
Our rating for non-residents
Fees - 0.39%
Performance
1-YR
3-YR
5-YR
10-YR
24.17%
10.28%
-
-
Why we like this plan
- Large selection of investment options
- FDIC-insured savings account option
- Upromise rewards service available