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: 0.39% - 0.52%
  • Static/individual options: 0.29% - 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
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
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