CollegeInvest offers one of the broadest choices of savings plans in the country, since few family situations are alike. Compare our four 529 savings plans below.
Direct Portfolio | Stable Value Plus | Smart Choice | Scholars Choice | |
---|---|---|---|---|
plan description | Our most popular plan. Since your family is unique, we offer eleven different investment options from conservative to aggressive. | This 529 plan protects your principal investment AND guarantees a 1.79% annual rate of return for years 2023 and 2024. | CollegeInvest’s FDIC-insured 529 savings plan. | Our advisor-sold 529 offers a broad range of investment options in an active/passive hybrid, multi-manager approach. |
minimum to open an account | $25 | $25 | No minimum | $25 |
minimum recurring contributions | $15 | $25 | No minimum | $0 |
maximum contribution limits | All CollegeInvest 529 savings plans accept contributions until the balance of all CollegeInvest accounts for the same Beneficiary reaches $500,000. | |||
best for: |
Any investor of any risk profile, as this savings plan offers multiple Conservative to Aggressive Options Investors who only want index based investing Our most popular direct-sold plan |
Low risk savers If your child’s age is approaching college age |
Low risk savers Savers who want access to their savings at any time If your child’s age is approaching college age |
Investors working with a financial advisor on their Education Savings Plan Investors who want actively managed fund choices |
how to enroll | enroll here | enroll here |
Or at any FirstBank location |
Work with your financial advisor who will open your account |
1 The Stable Value Plus Plan is guaranteed by Nationwide Life Insurance Company. The annual rate of return is reset each year by Nationwide and will not go below 1.5%.
2 Smart Choice Plans are not insured by CollegeInvest, the State of Colorado, or its agencies. However, these funds are FDIC-insured in accordance with the current FDIC coverage limits.
How do 529s stack up against other savings options?
If they’re young, you have more time to let your savings grow.
College or university, community college or trade school, in-state, or out-of-state, living on campus, or not. Each of these factors have different costs.
Other investments, retirement savings, your child’s savings, scholarships and grants, or student loans, etc. Incorporating these elements into your decision will help you choose the 529 college savings plan for your situation.
If other family members are contributing to your child’s college savings plan, this can also impact your choice of plan.
Determining your budget for college savings will help you make an informed decision on which plan to choose.
The next step is to match your goals with how you feel about risk and investing. When it comes to investing, more risk can lead to more rewards. But what matters most is what you are comfortable with.
SWIPE FOR MORE OPTIONS
Take the investment position above that you feel best with and select one of our plans. 529 savings plans allow you to change your investment option twice a year with no penalties.
most popular plan
A choice of aggressive to conservative investments, age-based options, individual portfolios, and more.
Protects your principal AND guarantees a 1.79% annual rate of return for years 2023 and 2024 (net of fees).
CollegeInvest’s FDIC-insured 529 savings plan.
for financial professionals
Your financial advisor will open your plan on your behalf. This plan offers advisors and investors a variety of great benefits.
Investment returns are not guaranteed, and you could lose money, including principal.