Vanguard 529 plan comparison tool

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Compare 529 college savings plans

Many 529 savings plans feature Vanguard funds and/or investment management. Choose a plan associated with Vanguard and compare it with other 529 savings plans.

State tax benefits may not apply to K-12 tuition. K-12 tuition can be treated as a qualified education expense under the federal tax benefit. Because each state makes its own rules, it's less clear whether account owners can receive a state tax break for K-12 tuition. To find out if you qualify for a state benefit, check the state where you pay state income tax—even if another state sponsors your 529 plan. You should consult your tax advisor for guidance.

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General
	The Vanguard 529 College Savings Plan (NV)	CollegeChoice Advisor 529 College Savings Plan (IN)
State sponsor	Nevada	Indiana
Program manager	Ascensus Broker Dealer Services, Inc.	Ascensus Broker Dealer Services, Inc.
Investment manager/underlying investments	Vanguard mutual funds	American Funds The Boston Company Asset Management Diamond Hill Capital Management BlackRock Advisors NexBank Columbia Management PIMCO T. Rowe Price Vanguard
Residency required	None	None
How to purchase	Enroll directly with the program.	Enroll through a broker.

State benefits & tax information
	The Vanguard 529 College Savings Plan (NV)	CollegeChoice Advisor 529 College Savings Plan (IN)
Maximum annual state deduction	Not Applicable. There is no personal income tax in Nevada.	Indiana allows state residents to take a tax credit for annual contributions they make to any Indiana 529 plan from their state income taxes. There is an annual tax credit limit of 20% on up to $5,000 in contributions for an individual taxpayer and 20% on up to $5,000 in contributions for married taxpayers filing jointly. Note that the maximum tax credit for Indiana taxpayers is a per taxpayer limit, where "taxpayer" is defined as either a single or married/joint return. The maximum yearly credit is $1,000 (20% on up to $5,000 per year in contributions).
Are qualified distributions from in-state plans state-tax exempt?	N/A - no state tax	Yes
Are qualified distributions from out-of-state plans state-tax exempt?	N/A - no state tax	Yes
State tax treatment of rollovers	N/A - no state tax	State follows federal tax treatment for rollovers with some exceptions. Outbound rollovers are subject to the recapture of prior state tax deductions taken.
Tax recapture provisions	N/A - no state tax	The account owner must repay the state income tax by 20% of the amount of non-qualified withdrawals and outbound rollovers, to the extent of state tax credits claimed in prior taxable year. Recapture will apply to account terminated within 12 months of account opening.

Fees & expenses
	The Vanguard 529 College Savings Plan (NV)	CollegeChoice Advisor 529 College Savings Plan (IN)
Enrollment	None.	None. Contributions may be subject to a sales charge depending upon the share class.
Maintenance	None	$20 annually; $0 for in-state residents.
Total asset-based expense ratio	Age-based options: 0.14% Static/individual options: 0.12% - 0.42%	Class A - Age-based options: 0.66% - 0.76% Class A - Static/individual options: 0.31% - 1.40% Class C - Age-based options: 1.41% - 1.44% Class C - Static/individual options: 0.31% - 2.15%

Contributions
	The Vanguard 529 College Savings Plan (NV)	CollegeChoice Advisor 529 College Savings Plan (IN)
Minimum contributions	Minimum initial contribution: $1,000; $3,000 for out-of-state residents Minimum subsequent contribution: $50 Minimum automatic investment plan contribution: $50 Minimum payroll deduction plan contribution: $50	Minimum initial contribution: $25 Minimum subsequent contribution: $25 Minimum automatic investment plan contribution: $25 Minimum payroll deduction plan contribution: $25
Maximum funding amount	Accepts contributions for a given beneficiary until Nevada 529 account balances reach $500,000	Accepts contributions for a given beneficiary until Indiana 529 account balances reach $450,000

Investment options
	The Vanguard 529 College Savings Plan (NV)	CollegeChoice Advisor 529 College Savings Plan (IN)
Summary of investment options
Age-based portfolios	1 age-based option	1 age-based option
Individual portfolios	20 static/individual portfolios 6 multi-fund portfolios 14 individual-fund portfolios	14 static/individual portfolios 14 individual-fund portfolios

Other features
	The Vanguard 529 College Savings Plan (NV)	CollegeChoice Advisor 529 College Savings Plan (IN)
Formal agreement with rewards program or outside scholarship program?	Yes, with the Upromise rewards service	Yes, with the Upromise Rewards service
Creditor protection	If the debtor is domiciled in Nevada (as defined by bankruptcy law), Nevada law provides that up to $500,000 of assets held in a 529 Plan account may be protected from creditors, depending upon when such assets were contributed to the account and whether they are eventually used to pay qualifying higher-education expenses of the account beneficiary.	Federal bankruptcy law excludes from property of the debtors bankruptcyestate certain assets that have been contributed to an account in a Qualified Tuition Program.
Time or age restrictions	The Vanguard Plan is open to U.S. citizens and resident aliens who are at least 18 years old, have a Social Security number or taxpayer identification number, and have a U.S. permanent address that is not a P.O. box. There are no restrictions on state of residence or income.	For Indiana taxpayers claiming a state tax credit on contributions, the account must remain open for a minimum of one year to avoid recapture of the tax credit on distributions used to pay qualified education expenses.

Contact information
	The Vanguard 529 College Savings Plan (NV)	CollegeChoice Advisor 529 College Savings Plan (IN)
Telephone	1-866-734-4530	1-866-485-9413
Web address	http://www.vanguard.com/vanguard529	https://www.collegechoiceadvisor529.com/

All investing is subject to risk, including the possible loss of the money you invest.

For more information about any 529 savings plan, contact the plan provider to obtain a Program Description, which includes investment objectives, risks, charges, expenses, and other information; read and consider it carefully before investing. If you are not a taxpayer of the state offering the plan, consider before investing whether your or the designated beneficiary's home state offers any state tax or other benefits that are only available for investments in such state's qualified tuition program. Other state benefits may include financial aid, scholarship funds, and protection from creditors. Vanguard Marketing Corporation serves as distributor for some 529 plans.

This tool isn't intended to constitute, nor does it constitute, tax advice. You should consult your own tax advisor for more information on the tax implications of investing in a 529 plan based on your own particular circumstances.

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