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主頁 > 理財文章 > 子女大學教育(包括申請大學和經濟援助) > 最佳的529儲蓄計劃  

最佳的529儲蓄計劃

2013 plan performance rankings Q2

Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-year investment performance, three-year investment performance, five-year investment performance and ten-year investment performance.

The top-performing 529 plans

In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. The lower the "percentile," the better the ranking. For more details on our methodology.

Here are our 529 performance rankings as of June 30, 2013.

We ranked plans that consumers can enroll in directly (see below), as well as those sold through brokers and fee-based financial planners).

One-year performance ranking

RankStatePlanPercentile
1District of ColumbiaDC 529 College Savings Program (Direct-sold)24.41
2West VirginiaSMART529 Select27.80
3West VirginiaSMART529 WV Direct30.08
4UtahUtah Educational Savings Plan (UESP) Trust31.16
5CaliforniaThe ScholarShare College Savings Plan33.17
6MichiganMichigan Education Savings Program38.41
7MaineNextGen College Investing Plan -- Client Direct Series39.61
8MarylandCollege Savings Plans of Maryland -- College Investment Plan39.67
9AlaskaUniversity of Alaska College Savings Plan41.26
10New YorkNew York's 529 College Savings Program -- Direct Plan41.68


Five-year performance ranking

RankStatePlanPercentile
1NevadaUSAA 529 College Savings Plan18.81
2UtahUtah Educational Savings Plan (UESP) Trust25.75
3New YorkNew York's 529 College Savings Program -- Direct Plan28.80
4FloridaFlorida 529 Savings Plan28.95
5KansasSchwab 529 College Savings Plan32.39
6AlaskaUniversity of Alaska College Savings Plan32.74
7AlaskaT. Rowe Price College Savings Plan34.05
8MarylandCollege Savings Plans of Maryland -- College Investment Plan34.83
9MichiganMichigan Education Savings Program34.96
10PennsylvaniaPennsylvania 529 Investment Plan

35.95


Ten-year performance ranking

RankStatePlanPercentile
1AlaskaT. Rowe Price College Savings Plan22.92
2UtahUtah Educational Savings Plan (UESP) Trust27.02
3AlaskaUniversity of Alaska College Savings Plan29.33
4MarylandCollege Savings Plans of Maryland -- College Investment Plan33.32
5VirginiaVirginia529 inVEST42.35
6South CarolinaFuture Scholar 529 College Savings Plan (Direct-sold)43.35
7LouisianaSTART Saving Program46.62
8NevadaThe Vanguard 529 Savings Plan48.59
9West VirginiaSMART529 WV Direct48.65
10IowaCollege Savings Iowa49.53


How to rank 529 plan performance

Ranking over 3,000 investment options is no easy task, considering the wide variety of options found in 529 savings plans, and it requires a special methodology.

Step one: We select specific portfolios from each 529 plan that can be compared on an apples-to-apples basis to portfolios in other 529 plans, based on their allocation among stocks, bonds and short-term instruments (money market and guaranteed investments). We've set up seven different asset-allocation categories ranging from 100 percent equity to 100 percent short-term.

Step two: Within each of the seven categories, we compare historical performance of the selected portfolios and assign each plan a percentile ranking between one (best) and 100 (worst). Separate rankings are developed for one-year, three-year, five-year and ten-year performances.

Step three: We take the average of each 529 plan's percentile rankings in the seven asset-allocation categories to produce a combined or "composite" percentile ranking. We then produce reports showing how the 529 plans rank against each other in their composite percentile rankings. Note: We currently produce these composite rankings for one-year, three-year, five-year and ten-year performances.

Source: www.savingforcollege.com