Sometimes it can be hard to decide how to begin saving for education—especially when there are so many unknowns in play. The biggest one of these may be, "What if we don't end up needing the money in our 529?" Thanks to SECURE 2.0, beginning in 2024, 529 plans will offer the option of rolling up to $35,000 into a Roth IRA if you don't use it for education*—so it’s a great time to consider starting a 529. We've got a few simple questions that can help you decide if The Vanguard 529 is right for you.

Making the 529 decision
There’s a lot to love about The Vanguard 529
If you still have questions about how it can fit into your life, we’ve got answers. Or if you’re ready to join over 300,000 families nationwide as a Vanguard 529 investor, we’re ready to welcome you.
**Certain restrictions apply, including to whom the assets may be transferred, a required holding period of 15 years, and limits on rollovers of contributions made within the 5 years prior to the rollover. Consult your tax advisor prior to initiating a rollover. This is a provision of SECURE 2.0, passed in December 2022 as a follow-up to the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019.
**Earnings on nonqualified withdrawals may be subject to federal income tax and a 10% federal penalty tax, as well as state and local income taxes. The availability of tax or other benefits may be contingent on meeting other requirements.
***Learn more about your state’s 529 plan options here.
Certain conditions may apply. There may be other material differences between products that must be considered prior to investing.
All investing is subject to risk, including the possible loss of the money you invest.
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.
For more information about The Vanguard 529 College Savings Plan, call 866-734-4533 or obtain a Program Description, which includes investment objectives, risks, charges, expenses, and other information; read and consider it carefully before investing. Vanguard Marketing Corporation, Distributor.
For more information about any 529 college 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. Vanguard Marketing Corporation serves as distributor for some 529 plans.
The Vanguard 529 College Savings Plan is a Nevada Trust administered by the office of the Nevada State Treasurer.
The Vanguard Group, Inc., serves as the Investment Manager for The Vanguard 529 College Savings Plan and through its affiliate, Vanguard Marketing Corporation, markets and distributes the Plan. Ascensus Broker Dealer Services, LLC, serves as Program Manager and has overall responsibility for the day-to-day operations. The Plan’s portfolios, although they invest in Vanguard mutual funds, are not mutual funds. Investment returns are not guaranteed and you could lose money by investing in the Plan.
If you are not a Nevada taxpayer, 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.