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The Vanguard 529 Plan

An Easy, Affordable Way to Save for College

Enroll in the Plan That Makes Saving Simple

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Save more with low costs.

Ranging from 0.12 percent to 0.37 percent of account assets per year, The Vanguard 529 Plan's fees are low. Plus, you will not pay any commissions or enrollment fees.

 

 

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Get flexibility.

The money in 529 savings plans can be used to pay for tuition, books, fees and other qualified expenses. Even if your child does not go to college (and you do not use the money for K–12 education expenses), you can name another eligible family member—even yourself—as the account beneficiary. Unused 529 funds can also be used for retirement. Account owners can incrementally roll over a lifetime maximum of $35,000 (following annual rollover limits) tax- and penalty-free to a Roth IRA for the beneficiary. 2

1 Earnings on nonqualified withdrawals may be subject to federal income tax and a 10 percent 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.

 

2 Certain restrictions apply. Rollover must be to a Roth IRA maintained for the benefit of the Beneficiary. Rollovers can only be made from accounts open for at least 15 years and cannot include contributions or earnings on those contributions made within the last 5 years. The annual rollover limit is subject to IRA annual contribution limits with a lifetime rollover limit of $35,000. Additional restrictions may apply under federal Roth IRA rules and guidance. Consult your tax advisor prior to initiating a rollover. This is a provision of SECURE 2.0, passed in December 2022 (effective beginning in 2024) as a follow-up to the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019.

Which 529 Plan Is Best for You?

Depending on which state you live in, the Vanguard 529 Plan, sponsored by the state of Nevada, could be a great option for you.

 

Note: If you live in certain states, another 529 plan may be more beneficial. 

 

Refer to the table below for a list of locations where Adobe has offices and links to the 529 plan you may want to consider.

 

For more information—or if you live in a state not represented in the table—go here.

Location 529 Plan
Virginia Invest529
New York NY 529 Direct Plan
Utah my529
California Vanguard 529 Plan
Massachusetts U.Fund 529 College Investing Plan
Washington Vanguard 529 Plan

Note: If you select some of the links above, you will be leaving the Vanguard website. Vanguard is not responsible for the accuracy of information on third-party websites.

College Savings Resource Center

College Cost Projector

Calculate the possible future cost of a college education in your prospective time frame, based on the cost of one year of college today.

Check out the College Cost Projector

College Savings Planner

Check out Vanguard's "Why should I join a retirement plan" article and learn how to:

Explore the College Savings Planner

Compare 529 College Savings Plans

Compare the plan associated with Vanguard with all other 529 plans (excluding prepaid tuition plans).

Compare 529 College Savings Plans

529 State Tax Deduction Calculator

Calculate the potential net value of your state tax deduction or credit (if applicable in your state) for a contribution made to your state’s 529 savings plan this year, based on your taxable income.

529 State Tax Deduction Calculator

Whenever you invest, there's a chance you could lose the money.

For more information about The Vanguard 529 College Savings Plan, visit vanguard.com to 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.

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.

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.

State tax treatment of withdrawals for K-12 tuition expenses, apprenticeship program expenses, and student loan repayments is determined by the state(s) where the taxpayer files state income tax. Please consult with a tax advisor for further guidance.

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