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)	SSgA Upromise 529 Plan (NV)
State sponsor	Nevada	Nevada
Program manager	Ascensus Broker Dealer Services, Inc.	Ascensus Broker Dealer Services, Inc.
Investment manager/underlying investments	Vanguard mutual funds	SSgA mutual funds Sallie Mae High-Yield Savings Account SPDR ETF funds
Residency required	None	None
How to purchase	Enroll directly with the program.	Enroll directly with the program.

State benefits & tax information
	The Vanguard 529 College Savings Plan (NV)	SSgA Upromise 529 Plan (NV)
Maximum annual state deduction	Not Applicable. There is no personal income tax in Nevada.	Not Applicable. There is no personal income tax in Nevada.
Are qualified distributions from in-state plans state-tax exempt?	N/A - no state tax	N/A - no state tax
Are qualified distributions from out-of-state plans state-tax exempt?	N/A - no state tax	N/A - no state tax
State tax treatment of rollovers	N/A - no state tax	N/A - no state tax
Tax recapture provisions	N/A - no state tax	N/A - no state tax

Fees & expenses
	The Vanguard 529 College Savings Plan (NV)	SSgA Upromise 529 Plan (NV)
Enrollment	None.	None.
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%	Age-based options: 0.37% - 0.40% Static/individual options: 0.27% - 0.89%

Contributions
	The Vanguard 529 College Savings Plan (NV)	SSgA Upromise 529 Plan (NV)
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: $15 Minimum subsequent contribution: $15 Minimum automatic investment plan contribution: $15 Minimum payroll deduction plan contribution: $15
Maximum funding amount	Accepts contributions for a given beneficiary until Nevada 529 account balances reach $500,000	Accepts contributions for a given beneficiary until Nevada 529 account balances reach $500,000

Investment options
	The Vanguard 529 College Savings Plan (NV)	SSgA Upromise 529 Plan (NV)
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	19 static/individual portfolios 3 multi-fund portfolios 16 individual-fund portfolios

Other features
	The Vanguard 529 College Savings Plan (NV)	SSgA Upromise 529 Plan (NV)
Formal agreement with rewards program or outside scholarship program?	Yes, with the Upromise rewards service	Yes, with the Upromise rewards program
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.	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.
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.	To participate in the Plan, an Account Owner must either be (i) a natural person at least 18 years of age who is a U.S. citizen or resident alien and has a valid Social Security number (or taxpayer identification number), with the authorityto open an individual account, (ii) a natural person at least 18 years of age with the authority to act as a custodian for a UGMA/UTMA account or as trustee for a trust, or (iii) a legal entity that is permitted to open an account.

Contact information
	The Vanguard 529 College Savings Plan (NV)	SSgA Upromise 529 Plan (NV)
Telephone	1-866-734-4530	1-800-587-7305
Web address	http://www.vanguard.com/vanguard529	http://www.ssga.upromise529.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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