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5-Cap Ratings
Updated as of May 12, 2023 based on data as of December 31, 2022
To view the ratings breakdown by category, click on the plan name.
We assign a rating to each state-sponsored program ranging from one cap (least attractive) to five caps (most attractive). The 5-Cap Rating represents our opinion of the overall usefulness of a state's 529 plan based on many considerations.
The 5-Cap Rating is not strictly a measure of historical returns and it is not a predictor of future investment performance, level of investment risk, or financial solvency of the program funds. For more information on the criteria used in assigning a 5-Cap Rating, click here.
Alabama
Alaska
Arizona
FDIC-Insured or Stable Value Planix
FDIC-insured plans offer only federally insured products such as savings accounts or CDs. Stable Value plans offer a minimum annual rate of return.
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Arkansas
California
Colorado
FDIC-Insured or Stable Value Planix
FDIC-insured plans offer only federally insured products such as savings accounts or CDs. Stable Value plans offer a minimum annual rate of return.
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FDIC-Insured or Stable Value Planix
FDIC-insured plans offer only federally insured products such as savings accounts or CDs. Stable Value plans offer a minimum annual rate of return.
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Connecticut
Delaware
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District of Columbia
Florida
Prepaid Planix
Prepaid Plans let you pre-pay all or part of the costs of a college education. They may also be converted for use at private and out-of-state colleges.
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Georgia
Hawaii
Idaho
Illinois
Prepaid Planix
Prepaid Plans let you pre-pay all or part of the costs of a college education. They may also be converted for use at private and out-of-state colleges.
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Indiana
FDIC-Insured or Stable Value Planix
FDIC-insured plans offer only federally insured products such as savings accounts or CDs. Stable Value plans offer a minimum annual rate of return.
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Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Prepaid Planix
Prepaid Plans let you pre-pay all or part of the costs of a college education. They may also be converted for use at private and out-of-state colleges.
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Massachusetts
Prepaid Planix
Prepaid Plans let you pre-pay all or part of the costs of a college education. They may also be converted for use at private and out-of-state colleges.
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Michigan
Prepaid Planix
Prepaid Plans let you pre-pay all or part of the costs of a college education. They may also be converted for use at private and out-of-state colleges.
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Minnesota
Mississippi
Prepaid Planix
Prepaid Plans let you pre-pay all or part of the costs of a college education. They may also be converted for use at private and out-of-state colleges.
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Missouri
Montana
Nebraska
Nevada
Prepaid Planix
Prepaid Plans let you pre-pay all or part of the costs of a college education. They may also be converted for use at private and out-of-state colleges.
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New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Other
Prepaid Planix
Prepaid Plans let you pre-pay all or part of the costs of a college education. They may also be converted for use at private and out-of-state colleges.
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Pennsylvania
Prepaid Planix
Prepaid Plans let you pre-pay all or part of the costs of a college education. They may also be converted for use at private and out-of-state colleges.
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Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Prepaid Planix
Prepaid Plans let you pre-pay all or part of the costs of a college education. They may also be converted for use at private and out-of-state colleges.
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Utah
Vermont
Virginia
Washington
Prepaid Planix
Prepaid Plans let you pre-pay all or part of the costs of a college education. They may also be converted for use at private and out-of-state colleges.
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West Virginia
Prepaid Planix
Prepaid Plans let you pre-pay all or part of the costs of a college education. They may also be converted for use at private and out-of-state colleges.
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Wisconsin