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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 - 0.13%
Performance
1-YR
3-YR
5-YR
10-YR
3.08%
-
-
-
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 - 0.19%
Performance
1-YR
3-YR
5-YR
10-YR
2.96%
-
-
-
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 - 0.17%
Performance
1-YR
3-YR
5-YR
10-YR
3.62%
6.48%
6.72%
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 - 0.2%
Performance
1-YR
3-YR
5-YR
10-YR
3.38%
6.28%
6.61%
9.59%
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 - 0.26%
Performance
1-YR
3-YR
5-YR
10-YR
2.6%
-
-
-
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
3.91%
-
-
-
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
2.68%
-
-
-
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 - 0.38%
Performance
1-YR
3-YR
5-YR
10-YR
4.45%
7.31%
7.41%
10.33%
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 - 0.43%
Performance
1-YR
3-YR
5-YR
10-YR
0.44%
-
-
-
Why we like this plan
- Large selection of investment options
- Low fees
Our rating for residents
Our rating for non-residents
Fees - 0.44%
Performance
1-YR
3-YR
5-YR
10-YR
3.36%
7.08%
7.51%
-
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 - 0.51%
Performance
1-YR
3-YR
5-YR
10-YR
-0.08%
3.95%
-
-
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 - 0.74%
Performance
1-YR
3-YR
5-YR
10-YR
3.18%
6.88%
6.91%
10.11%
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
3.32%
6.78%
-
-
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 - 0.15%
Performance
1-YR
3-YR
5-YR
10-YR
2.89%
6.37%
-
-
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 - 0.2%
Performance
1-YR
3-YR
5-YR
10-YR
3.37%
6.24%
6.57%
9.4%
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
2.71%
6.3%
-
-
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 - 0.23%
Performance
1-YR
3-YR
5-YR
10-YR
4.4%
-
-
-
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 - 0.33%
Performance
1-YR
3-YR
5-YR
10-YR
2.86%
-
-
-
Why we like this plan
- Large selection of age-based investment options
- Low fees
Our rating for residents
Our rating for non-residents
Fees - 0.41%
Performance
1-YR
3-YR
5-YR
10-YR
-0.09%
-
-
-
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 - 0.53%
Performance
1-YR
3-YR
5-YR
10-YR
2.01%
5.83%
6.26%
9.64%
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 - 0.94%
Performance
1-YR
3-YR
5-YR
10-YR
3.32%
6.79%
-
-
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 - 0.94%
Performance
1-YR
3-YR
5-YR
10-YR
3.25%
6.77%
-
-
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 - 0.94%
Performance
1-YR
3-YR
5-YR
10-YR
3.32%
6.79%
-
-
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
4.94%
7.19%
7.15%
9.48%
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
3.65%
6.37%
6.61%
9.44%
Why we like this plan
- Strong long-term performance
- Low fees
- Tax deduction on contributions for residents