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
my529 (UT) John Hancock Freedom 529 (AK)
State sponsor Utah Alaska
Program manager Utah Higher Education Assistance Authority T. Rowe Price Associates, Inc.
Investment manager/​underlying investments
  • 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
  • American Funds
  • Davis
  • Dimensional Fund Advisors
  • Franklin Templeton Investments
  • Jennison Associates LLC
  • John Hancock Investment Management
  • OppenheimerFunds Inc.
  • Robesco Boston Parnters
  • T. Rowe Price
Residency required None None
How to purchase Enroll directly with the program. Enroll through a broker.
State benefits & tax information
my529 (UT) John Hancock Freedom 529 (AK)
Maximum annual state deduction 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. Not Applicable. There is no personal income tax in Alaska.
Are qualified distributions from in-state plans state-tax exempt? Yes N/A - no state tax
Are qualified distributions from out-of-state plans state-tax exempt? Yes N/A - no state tax
State tax treatment of rollovers 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. N/A - no state tax
Tax recapture provisions 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. N/A - no state tax
Fees & expenses
my529 (UT) John Hancock Freedom 529 (AK)
Enrollment None. None. Contributions may be subject to a sales charge depending upon the share class.
Maintenance None $15 annually.
Total asset-based expense ratio
  • Age-based options: 0.15% - 0.56%
  • Static/individual options: 0.13% - 0.56%
  • Class A - Age-based options: 1.11% - 1.33%
  • Class A - Static/individual options: 0.63% - 1.48%
  • Class B - Age-based options: 1.86% - 2.06%
  • Class B - Static/individual options: 1.66% - 2.23%
  • Class C - Age-based options: 1.86% - 2.08%
  • Class C - Static/individual options: 1.66% - 2.23%
my529 (UT) John Hancock Freedom 529 (AK)
Minimum contributions
    No minimums
  • Minimum initial contribution: $1,000
  • Minimum subsequent contribution: $50
  • Minimum automatic investment plan contribution: $50
  • Minimum payroll deduction plan contribution: $50
Maximum funding amount Accepts contributions for a given beneficiary until Utah 529 account balances reach $500,000 Accepts contributions for a given beneficiary until Alaska 529 account balances reach $475,000
Investment options
my529 (UT) John Hancock Freedom 529 (AK)
Summary of investment options
Age-based 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)
1 age-based option
Individual portfolios
8 static/individual portfolios
  • 4 multi-fund portfolios
  • 3 individual-fund portfolios
  • 1 customizable portfolio
16 static/individual portfolios
  • 6 multi-fund portfolios
  • 10 individual-fund portfolios
Other features
my529 (UT) John Hancock Freedom 529 (AK)
Formal agreement with rewards program or outside scholarship program? None None
Creditor protection 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. Under Alaska law, an account in an Alaska 529 plan is exempt from a claim by the account owner's or the beneficiary's creditors and is not subject to involuntary transfer or alienation (with an exception relating to child support orders).
Time or age restrictions None None
Contact information
my529 (UT) John Hancock Freedom 529 (AK)
Telephone 1-800-418-2551 1-866-222-7498
Web address
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