529 Plan Comparison
Max Balance
Setup for 1
Fee Annual Fee Beneficiary
Ohio (http://www.collegeadvantage.com) 0 0 $291,000
Vanguard - Money Market
Vanguard - TIPS
Vanguard - Total Bond
Vanguard - 500 Index
Vanguard - Extended Market
Vanguard - Foreign
Vanguard - Conserv. Growth Index Port.
Vanguard - Moder. Growth Index Port.
Vanguard - Growth Index Port.
Vanguard - Aggressive Growth Index Port.
Vanguard Age Based (conservative, moderate,
aggressive)
Fifth Third CD's
$20/yr if <$3000
Nevada (www.vanguard.com) balance $310,000
Vanguard Age Based (see above, same three
choices)
Same funds as Ohio (see above), plus more
Iowa (www.collegesavingsiowa.com) 0 0 $239,000
Same funds as Ohio (see above), plus more
Four age based options
$27/yr if <$25,000
Kansas (www.learningquest.com) 0 balance $235,000
Vanguard - Growth Index Port.
Vanguard - 500 Index
Vanguard - Total Bond
more available, but why go on?
Investment
Fees Notes
0.39
0.38
0.37
0.25
0.37
0.43
35% Total Stock Mkt Index, 65% Total Bond Mkt Index
0.36
45% Total Stock Mkt, 5% Foreign, 50% Total Bond Mkt Index
0.36
55% Total Stock Mkt, 10% Foreign, 35% Total Bond Mkt Index
0.37
85% Total Stock Mkt, 15% Foreign
0.36
Shifts between above funds based on age, see
.36 to .39 http://www.collegeadvantage.com/cms.aspx?SectionID=39
0.00 APY's between 4% and 5%, varies by term
.60 - .65
varies direct from Vanguard, but curiously higher Investment Fees
for example, the Vanguard 500 Index fee is .62 when purchased
directly from Vanguard
0.62 Uses Upromise, a spending rewards program
Fee is .62 regardless of investment
Uses Vanguard funds
0.39
0.57
0.51
0.54