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Mississippi Affordable College Savings (MACS) Program

3 / 5

Our rating

Good MS resident benefits

MS resident benefits

The manager for the Mississippi Affordable College Savings (MACS) Program changed from TIAA-CREF to Catalis Regulatory and Compliance, LLC in August 2026. The plan features twenty-one target enrollment options, five risk-based options and a capital preservation option.

Mississippi Affordable College Savings (MACS) Program

KEY METRICS

OVERVIEW

Program type

Savings

Inception

2001; program manager change in 2017

State agency

College Savings Plans of Mississippi and State Treasury Department

Tax deduction

For single filers: $10,000/yr

For joint filers: $20,000/yr

Program manager

Catalis Regulatory and Compliance, LLC

Program distributor

Catalis Regulatory and Compliance, LLC

Manager contract term

MORE INFORMATION

Eligibility

State residency requirements:

None

Who can be a participant/owner in the program?

U.S. citizens and resident aliens, UGMA/UTMA custodians, and legal entities.

Significant time or age restrictions imposed by the program:

None

Contributions

Maximum contributions:

Accepts contributions until all account balances in Mississippi's 529 plans for the same beneficiary reach $400,000.

Minimum contributions:

$25, or $15 per pay period via payroll deduction.

Does the program offer an e-gifting platform for receiving gift contributions?

This plan does not offer an online gifting portal allowing for easy sharing but may offer gift certificates or allow mail-in gift contributions.

SPONSORED

Other great plans to consider

You are not limited to your own state's 529 plan, so compare the plan and tax benefits offered by your state to other options. Here are some plans that are available to residents of any state and have earned awards in our 529 Plan Ratings:

Investment Options

Investors in Mississippi Affordable College Savings (MACS) Program can select from the following investment options. Click on a portfolio name for more information.

The Year of Enrollment Option contains Twenty-one target enrollment based portfolios that invests in multiple mutual funds and one or more funding agreements.
PortfolioE.R. % Equity1yr performance
Target Enrollment 20450.55%N/AN/A
Target Enrollment 20440.55%N/AN/A
Target Enrollment 20430.55%N/AN/A
Target Enrollment 20420.55%N/AN/A
Target Enrollment 20410.55%N/AN/A
Target Enrollment 20400.55%N/AN/A
Target Enrollment 20390.55%N/AN/A
Target Enrollment 20380.55%N/AN/A
Target Enrollment 20370.55%N/AN/A
Target Enrollment 20360.55%N/AN/A
Target Enrollment 20350.55%N/AN/A
Target Enrollment 20340.55%N/AN/A
Target Enrollment 20330.55%N/AN/A
Target Enrollment 20320.55%N/AN/A
Target Enrollment 20310.55%N/AN/A
Target Enrollment 20300.55%N/AN/A
Target Enrollment 20290.55%N/AN/A
Target Enrollment 20280.55%N/AN/A
Target Enrollment 20270.54%N/AN/A
Target Enrollment 20260.54%N/AN/A
Enrolled Portfolio0.54%N/AN/A

Age-based/Enrollment Year investment options:

The Year of Enrollment Option contains Twenty-one target enrollment based portfolios that invests in multiple mutual funds and one or more funding agreements.

Static investment options:

Five risk-based portfolios that invest in multiple mutual funds. One capital preservation portfolio that focuses on stability of principal.

Underlying investments:

TIAA-CREF, Vanguard and Schwab mutual funds; the Guaranteed Option is invested in a funding agreement with TIAA-CREF Life Insurance Company that guarantees principal.

Underlying fund allocations:

Portfolio Fees & Performance Lookup

Fees & Expenses

Enrollment or application fee:

None.

Account maintenance fee:

$20 for account owners who have not elected to receive plan documents by electronic delivery

Program management fees:

0.5275% manager fee; no fee for the Guaranteed Option.

Expenses of the underlying investments:

Ranges from 0.010% to 0.051% (portfolio weighted average). None for the Capital Preservation Portfolio.

Total asset-based expense ratio:

0.5375% - 0.5785%. None for the Capital Preservation Portfolio.

Taxes and other Benefits

State tax deduction or credit for contributions:

Contributions to a Mississippi 529 savings plan of up to $10,000 per year by an individual, and up to $20,000 per year by a married couple filing jointly, are deductible in computing Mississippi taxable income. Contribution deadline is April 15 of the following year.

Calculate your Mississippi 529 tax benefit

Find out how much you can save on state taxes this year by contributing to a Mississippi 529 plan.

Household income

$100,000

Your monthly contribution

$100

Tax Savings per Year
$0

State tax recapture provisions:

The principal portion of nonqualified withdrawals from this plan are included in Mississippi taxable income to the extent of prior Mississippi tax deductions. A rollover to another 529 plan is not subject to recapture.

State definition of qualified expenses

The state's definition of qualified education expenses includes expenses for higher education, as well as up to $10,000 per year in tuition in connection with enrollment or attendance at an elementary or secondary public, private, or religious school.

State tax treatment of qualified distributions:

Qualified distributions from Mississippi and non-Mississippi 529 plans are exempt.

State tax treatment of rollovers:

Mississippi follows federal tax-free treatment.

Program match on contributions:

None.

Does the sponsoring state exclude the value of an account for state financial aid purposes?

Yes

Does participation in the program provide beneficiaries with any advantages in qualifying for resident tuition status at state institutions?

No

Is there a rewards program or outside scholarship program that works with this program?

Yes, the Upromise Rewards program can be linked to any 529 college savings plan. Upromise Rewards is free to join and offers members cash back for college.

Statutory protection of an account from creditors:

Distributions & Terminations

To whom are distributions made payable:

Eligible educational institution or account owner, as directed by the account owner.

Account Changes

Policy regarding participant/owner changes:

Accepts requests to transfer account ownership.

Documents, Access & Reporting

Does participant have online password-protected access to account?

Yes

Can the complete enrollment process including funding be done online?

Yes

Documents and other services accessible or downloadable on the program's public Web site:

Contact

Website:

http://www.ms529.com/

Telephone:

1-800-987-4450

Twitter

https://twitter.com/save4collegems

While Saving For College strives to maintain accurate and up-to-date information using plan disclosure statements and other sources, readers should check the plan's official website and disclosure statement for the most current and complete details.

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