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The Vanguard 529 College Savings Plan

4.5 / 5

Our rating

Good NV resident benefits

NV resident benefits

Education

What stands out about this plan

  • Enjoy a range of low-fee investment options utilizing popular Vanguard index funds
  • Existing Vanguard clients can conveniently make 529 plan contributions from other Vanguard accounts
  • Take advantage of a wide set of education savings tools to help you plan and maximize your savings
The Vanguard 529 College Savings PlanHigh Honors

KEY METRICS

DESCRIPTION

The Vanguard 529 College Savings Plan, offered by Nevada, is available to residents of any state, and offers low costs, experience and easy-to-manage savings options.

OVERVIEW

Program type

Savings

Inception

2002

State agency

Board of Trustees of the College Savings Plans of Nevada

Tax deduction

For single filers: None

For joint filers: None

Program manager

Ascensus College Savings

Program distributor

Vanguard Marketing Corporation

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 at least 18 years old and UGMA/UTMA custodians.

Significant time or age restrictions imposed by the program:

None

Contributions

Maximum contributions:

Accepts contributions until all account balances in Nevada's 529 plans for the same beneficiary reach $575,000.

Minimum contributions:

The minimum initial contribution is $1,000 or $50 automatic investment plan through select Employer Plans with a Vanguard relationship. The minimum initial contribution for Nevada residents is $500 or $50 automatic investment plan through select Employer Plans with a Vanguard relationship. The minimum subsequent contribution is $50.

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

This plan offers a robust gifting platform that allows gift-givers to save their own profile for recurring or future 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 The Vanguard 529 College Savings Plan can select from the following investment options. Click on a portfolio name for more information.

The Target Enrollment Portfolios contain 12 portfolios of underlying mutual funds. Contributions are placed into the portfolio corresponding to the account owner's risk tolerance or the number of years to expected enrollment. 11 portfolios shift to a more conservative investment allocation over time, eventually transferring to the Vanguard Commencement Portfolio.
PortfolioE.R. % Equity1yr performance
Vanguard Target Enrollment 2038/2039 Portfolio0.13%86%18.68%
Vanguard Target Enrollment 2036/2037 Portfolio0.13%76%16.58%
Vanguard Target Enrollment 2034/2035 Portfolio0.13%64%14.53%
Vanguard Target Enrollment 2032/2033 Portfolio0.13%54%12.92%
Vanguard Target Enrollment 2030/2031 Portfolio0.13%45%10.64%
Vanguard Target Enrollment 2028/2029 Portfolio0.13%29%8.37%
Vanguard Target Enrollment 2026/2027 Portfolio0.13%21%7.29%
Vanguard Target Enrollment 2024/2025 Portfolio0.13%17%6.29%
Vanguard Commencement Portfolio0.13%12%5.63%
Vanguard Target Enrollment 2040/2041 Portfolio0.13%94%20.05%
Vanguard Target Enrollment 2042/2043 Portfolio0.13%95%20.84%
Vanguard Target Enrollment 2044/2045 Portfolio0.13%95%N/A

Age-based/Enrollment Year investment options:

The Target Enrollment Portfolios contain 12 portfolios of underlying mutual funds. Contributions are placed into the portfolio corresponding to the account owner's risk tolerance or the number of years to expected enrollment. 11 portfolios shift to a more conservative investment allocation over time, eventually transferring to the Vanguard Commencement Portfolio.

Static investment options:

Select among 6 multi-fund individual portfolios and 15 single-fund individual portfolios.

Underlying investments:

Vanguard mutual funds.

Underlying fund allocations:

Portfolio Fees & Performance Lookup

Fees & Expenses

Enrollment or application fee:

None.

Account maintenance fee:

None

Program management fees:

0.11%

Expenses of the underlying investments:

Not applicable, 0.03% in the target enrollment and static blend portfolios; and 0.01% to 0.26% in the individual portfolios.

Total asset-based expense ratio:

0.12% - 0.37%

Taxes and other Benefits

State tax deduction or credit for contributions:

Not applicable. Nevada does not have a personal income tax.

Nevada employers who make a matching contribution to employees participating in a Nevada 529 college savings plan are eligible for a 25% tax credit on matched contributions up to $500 per employee per year.

State tax recapture provisions:

N/A

State definition of qualified expenses

The state's definition of qualified education expenses currently includes expenses for attendance at an institution of higher education as defined by the Internal Revenue Code and its regulations addressing qualified state tuition programs, participation in an apprenticeship program, and interest and/or principal on qualified education loans up to a $10,000 lifetime cap, and up to $20,000 in K-12 tuition and other qualified expenses. The state's definition also includes distributions from a 529 account directly to a Roth IRA if the withdrawal follows all federal requirements for 529-to-Roth rollovers.

State tax treatment of qualified distributions:

Not applicable. Nevada does not have a personal income tax.

Program match on contributions:

None.

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

No

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, beneficiary, 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:

https://www.vanguard.com/vanguard529

Telephone:

1-866-734-4530

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.

A good place to start:

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