529 College Education Savings Plans

A 529 Plan is an education savings plan sponsored by a state or educational institution to help families save and/or invest for future college costs. It is named after Section 529 of the Internal Revenue Code. The main advantage of a 529 plan is the tax free or reduction for expenses used in higher education.

MyPlanIQ maintains broker sold 529 savings plans and construct model portfolios as references for participants to direct their investments.

A 529 college savings plan usually consists of a dozen investment funds or portfolios. The available investment funds of a plan are obtained based on public filing information and thousands of users' input. If you can not find your plans or you think they need to be updated/corrected, please email us your plans investment options (a list of investment funds). One of the most important features of a 529 plan is that a participant can only be allowed to re-balance their accounts once in a calendar year. This restriction can severely limit portfolio re-balance flexibility during a market stress or where there is substantial change of fund performance.

Did not Find a Plan? Email your plan's investment options .

Asset Allocation Model Portfolios

Each plan has Strategic Asset Allocation (SAA) moderate and Tactical Asset Allocation (TAA) moderate model portfolios. The portfolios' holdings are decided by their strategy's allocation and fund selection from the candidate funds.

Strategic Asset Allocation (SAA) : (Free)

based on main stream Modern Portfolio Theory that emphasizes diversification and portfolio re-balancing.

Good for: Armchair or beginning investors, prefer mainstream and passive role.

Tactical Asset Allocation (TAA) : (Premium: basic subscription )

based on major diversified asset trends to dynamically adjust risk assets (such as stocks) and fixed income (bonds) allocations.

Good for: Active or experienced investors, risk averse to avoid loss.

Fund minimum holding periods and round trip policy (if there is any) are observed in model portfolios.

Not clear on how the strategies work? See More Details>>

What to do for your investments in a 529 savings plan?

Search for your plan from MyPlanIQ's comprehensive database with most states sponsored 529 savings plans.

Browse a plan page for :

Plan Rating: see PlanRatingIQ Investment Choices Ranking^new

Fund Ranking: compare funds ranking in each category (asset class) in the plan

Model Portfolios: browse and compare SAA and TAA model portfolios historical performance and holdings

Follow/customize SAA or TAA model portfolios tailored to your own personal risk tolerance

Manage your own 529 account :

your followed or customized portfolios are updated daily.

You will receive regular monthly or quarterly re-balance emails for these portfolios.

You then use the re-balance/holdings information to make transactions in your 529 account.

Not sure how to start? follow Step by Step Guide>>