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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 - 0.12%
Performance
1-YR
3-YR
5-YR
10-YR
5.71%
12.97%
11.03%
9.82%
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 - 0.27%
Performance
1-YR
3-YR
5-YR
10-YR
2.15%
10.06%
-
-
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
5.56%
12.58%
-
-
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
4.9%
12.47%
-
-
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
3.96%
11.51%
10.01%
9.41%
Why we like this plan
- Strong long-term performance
- Low fees
- 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
3.15%
10.15%
8.9%
-
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 - 0.4%
Performance
1-YR
3-YR
5-YR
10-YR
5.62%
12.79%
-
-
Why we like this plan
- Large selection of investment options
- Low fees
Our rating for residents
Our rating for non-residents
Fees - 0.42%
Performance
1-YR
3-YR
5-YR
10-YR
1.89%
8.88%
7.94%
-
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 - 0.49%
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 - 0.63%
Performance
1-YR
3-YR
5-YR
10-YR
4.6%
13.6%
11.96%
-
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
4.62%
13.59%
11.98%
-
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
6.84%
13.66%
11.5%
10.35%
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 - 0.29%
Performance
1-YR
3-YR
5-YR
10-YR
4.76%
12.65%
-
-
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
4.02%
12.02%
10.71%
-
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
4.02%
12.02%
10.71%
-
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 - 0.19%
Performance
1-YR
3-YR
5-YR
10-YR
4.09%
11.45%
9.95%
9.34%
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 - 0.21%
Performance
1-YR
3-YR
5-YR
10-YR
6.57%
12.97%
11.07%
-
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 - 0.4%
Performance
1-YR
3-YR
5-YR
10-YR
8.4%
11.35%
9.1%
7.89%
Why we like this plan
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.51%
Performance
1-YR
3-YR
5-YR
10-YR
5.23%
12.47%
10.53%
9.84%
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 - 0.63%
Performance
1-YR
3-YR
5-YR
10-YR
4.6%
13.6%
11.96%
-
Why we like this plan
- Strong long-term performance
- Protection from creditors
Our rating for residents
Our rating for non-residents
Fees - 0.87%
Performance
1-YR
3-YR
5-YR
10-YR
3.86%
12.4%
10.03%
9.19%
Why we like this plan
- Large selection of investment options
- 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
4.02%
12.03%
10.72%
-
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 - 0.18%
Performance
1-YR
3-YR
5-YR
10-YR
3.94%
11.41%
9.94%
9.38%
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 - 0.3%
Performance
1-YR
3-YR
5-YR
10-YR
2.8%
10.15%
9.19%
8.46%
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 - 0.34%
Performance
1-YR
3-YR
5-YR
10-YR
3.54%
9.17%
8.6%
-
Why we like this plan
- Large tax deduction on contributions for residents
- Socially responsible investment portfolios