What you can expect from The Vanguard 529 Plan
At Vanguard, the focus is on you. We're committed to helping families like yours save for education and invest in your children's future.
Variety of options
If you're investing for higher education, we have 3 age-based options that do a lot of the work for you. They're made of a preset mix of Vanguard investments that automatically adjust over time. If you're investing for K–12 goals or you want more control over your investments, you can create an investment strategy from our 20 individual portfolios.
Our costs are among the lowest in the industry.* And the less you pay in fees and costs, the more savings you keep in your account.
We hire top investment professionals with the experience and expertise you'd expect from Vanguard.
We've grown to be one of the largest managers of money in 529 plans.** So you can count on us to be here for you now and in the long run.
Top industry rating
The Vanguard 529 Plan has earned a "Gold" rating from Morningstar. In fact, we've gotten the highest Morningstar rating each year since the plan started.†
Easy ways to invest
You can link your bank account to your 529 account and set up an automatic investment schedule, which allows you to add to your savings in a convenient and systematic way.
Extra levels of personal attention
Your Vanguard 529 Plan account balance could qualify you for one of our higher levels of personal service, which includes decreased costs and increased levels of personalization and advice.
More ways to boost your savings
You can use Ugift® to invite others to celebrate a child's milestones with the gift of education savings. The gifts are then deposited directly into your Vanguard 529 Plan account.
And you can join Upromise® to get cash back for education when you make everyday purchases. Your Upromise earnings can then be transferred to your 529 account.
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Other plans we manage
College Savings Iowa®
The Iowa 529 plan has a low minimum investment of just $25 and a range of Vanguard investment options to choose from, including 4 age-based savings tracks—designed for higher education—and 10 individual portfolios.
More plans with Vanguard investments
Colorado, Missouri, and New York also have plans that feature Vanguard investments and low minimum contributions ranging from $1 to $25.
The Vanguard 529 College Savings Plan is a Nevada Trust administered by the office of the Nevada State Treasurer.
Want to roll over money you have in another 529 plan?
On December 22, 2017, the president signed new tax legislation into law. The following describes several new provisions related specifically to 529 plan accounts, beginning with the 2018 tax year:
- Account owners can use assets to pay for qualified K-12 expenses up to $10,000 per year per student.
- Account owners can treat K-12 withdrawals as qualified expenses with respect to the federal tax benefit. The tax treatment of such withdrawals at the state level (determined by the taxpayer’s state of residence) is less clear, and states may ultimately determine the treatment of these withdrawals independently. Account owners should consult their tax advisors for further guidance.
- Account owners can roll over 529 plans to ABLE plans, up to the ABLE annual contribution limit. States may need to expand the definition of qualified withdrawals to include rollovers into ABLE plans. Without a change to the definition, such rollovers could be categorized as nonqualified withdrawals.
We'll provide more information as additional details about the effects of the tax bill become clear. We encourage you to consult a qualified tax advisor about your personal situation.