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. This tool displays the state benefits for qualified higher education expenses. However, it's less clear whether account owners can receive a state tax break for K-12 tuition expenses. To find out if you qualify for a state benefit for K-12 tuition, check the state where you pay state income tax—even if another state sponsors your 529 plan. You should consult your tax advisor for further guidance.

Your results
General
The Vanguard 529 College Savings Plan (NV) Texas College Savings Plan (TX) my529 (UT)
State sponsor Nevada Texas Utah
Program manager Ascensus Broker Dealer Services, Inc. NorthStar Financial Services Group, LLC Utah Higher Education Assistance Authority
Investment manager/​underlying investments Vanguard mutual funds
  • Artisan Partners
  • Dimensional Fund Advisors
  • Dodge & Cox
  • Dreyfus
  • Invesco Advisers
  • T. Rowe Price
  • The Vanguard Group
  • Vanguard mutual funds
  • Dimensional mutual funds
  • FDIC-insured accounts held in trust by my529 at Sallie Mae Bank and U.S. Bank
  • PIMCO Stable Value Investment Option
Residency required None None None
How to purchase Enroll directly with the program. Enroll directly with the program. Enroll directly with the program.
State benefits & tax information
The Vanguard 529 College Savings Plan (NV) Texas College Savings Plan (TX) my529 (UT)
Maximum annual state deduction Not Applicable. There is no personal income tax in Nevada. Not Applicable. There is no personal income tax in Texas. Utah allows state residents to take a tax credit for annual contributions they make to any Utah 529 plan from their state income taxes. There is an annual tax credit limit of 5% on up to $2,040 in contributions per beneficiary for an individual taxpayer and 5% on up to $4,080 in contributions per beneficiary for married taxpayers filing jointly.
Are qualified distributions from in-state plans state-tax exempt? N/A - no state tax N/A - no state tax Yes
Are qualified distributions from out-of-state plans state-tax exempt? N/A - no state tax N/A - no state tax Yes
State tax treatment of rollovers N/A - no state tax 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 or tax credits taken.
Tax recapture provisions N/A - no state tax N/A - no state tax The principal portion of non-qualified withdrawals and outbound rollovers will be subject to recapture to the extent of prior state tax deductions. Non-qualified withdrawals for this purpose don't include withdrawals in the event of beneficiary's death or disability, receipt of a scholarship or attendance at US military service academy.
Fees & expenses
The Vanguard 529 College Savings Plan (NV) Texas College Savings Plan (TX) my529 (UT)
Enrollment None. None. None.
Maintenance None None None
Total asset-based expense ratio
  • Age-based options: 0.15%
  • Static/individual options: 0.15% - 0.44%
  • Age-based options: 0.57% - 0.92%
  • Static/individual options: 0.57% - 0.98%
  • Age-based options: 0.15% - 0.57%
  • Static/individual options: 0.13% - 0.57%
Contributions
The Vanguard 529 College Savings Plan (NV) Texas College Savings Plan (TX) my529 (UT)
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: $15
  • Minimum payroll deduction plan contribution: $15
    No minimums
Maximum funding amount Accepts contributions for a given beneficiary until Nevada 529 account balances reach $500,000 Accepts contributions for a given beneficiary until Texas 529 account balances reach $500,000 Accepts contributions for a given beneficiary until Utah 529 account balances reach $500,000
Investment options
The Vanguard 529 College Savings Plan (NV) Texas College Savings Plan (TX) my529 (UT)
Summary of investment options
Age-based portfolios
3 age-based options
  • Aggressive Option (12 portfolios)
  • Moderate Option (12 portfolios)
  • Conservative Option (12 portfolios)
2 age-based options
  • Blended Age-Based (6 portfolios)
  • Index Age-Based (6 portfolios)
5 age-based options
  • Age-Based Aggressive Domestic (10 portfolios)
  • Age-Based Aggressive Global (10 portfolios)
  • Age-Based Moderate (10 portfolios)
  • Age-Based Conservative (10 portfolios)
  • Customized Age-Based (1 portfolio)
Individual portfolios
20 static/individual portfolios
  • 5 multi-fund portfolios
  • 15 individual-fund portfolios
7 static/individual portfolios
  • 4 multi-fund portfolios
  • 3 individual-fund portfolios
8 static/individual portfolios
  • 4 multi-fund portfolios
  • 3 individual-fund portfolios
  • 1 customizable portfolio
Other features
The Vanguard 529 College Savings Plan (NV) Texas College Savings Plan (TX) my529 (UT)
Formal agreement with rewards program or outside scholarship program? Yes, with the Upromise rewards service None None
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. Under Texas law, assets in a Texas or non-Texas 529 plan are exempt from attachment, execution, and seizure for the satisfaction of debt or liability of an account owner or beneficiary. Federal bankruptcy law protects certain 529 plan accounts if the beneficiary is the child, stepchild, grandchild, or step-grandchild of the debtor. The protection covers 529 plan funds that have been in the account for at least 720 calendar days. For funds in accounts held for less than 720 calendar days but more than 365 calendar days, the protection is only for the first $6,225 of the account balance in a 529 plan. There is no protection for funds held less than 365 calendar days. Those funds are fully available to the bankruptcy estate to pay creditors.Utah law does not currently provide any additional protection against creditors for funds held through my529 (UESP). A person should consult his or her advisor regarding any specific protections that may be available in other states.
Time or age restrictions None None None
Contact information
The Vanguard 529 College Savings Plan (NV) Texas College Savings Plan (TX) my529 (UT)
Telephone 1-866-734-4530 1-800-445-4723 1-800-418-2551
Web address http://www.vanguard.com/vanguard529 http://www.texascollegesavings.com https://my529.org/
Powered by Wealth Management Systems, Inc. WMSI logo