Idaho 529 Plan

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This page provides information on Direct-sold 529 Plans and highlights indexed portfolios. All information is derived from Savingforcollege.com and from 529 plan sites and disclosure documents. If you would like to compare this plan with other direct sold plans, use these Compare by Plan Name and Compare by Feature tools.

• Open to Residents
• Open to non-residents

Idaho 529 Plan

Program match on contributions:	none
State tax deduction or credit for contributions:	Contributions to the Idaho 529 plan of up to $4,000 per contributor per year are deductible in computing Idaho taxable income. Rollover contributions are not deductible. Contribution deadline is December 31.
State tax recapture provisions:	The entire amount of non-qualified distributions must be included in Idaho taxable income. Outbound rollovers by Idaho taxpayers must be included in Idaho taxable income to the extent of contributions made during the 12 months preceding the date of the rollover, effective January 1, 2008.
Age-based investment options:	The Age-Based option is offered in three different risk levels (Aggressive, Moderate, and Conservative) each containing four or five portfolios of underlying mutual funds. Contributions are placed into the portfolio corresponding to the risk level selected and the number of years to expected enrollment, and later reassigned to more conservative portfolios as the beneficiary approaches college age.
Static investment options:	Select among five multi-fund portfolios, with varying risk tolerances, and a money-market portfolio.
Expenses:	0.75%, maintenance fee $20 annually unless either the account owner or beneficiary is a resident of Idaho
Policy Regarding Ownership Changes	Accepts requests to transfer account ownership.

Single Funds

Aggressive Growth Portfolio	Growth Portfolio	Moderate Growth Portfolio	Conservative Growth Portfolio	Income Portfolio
Vanguard Total Stock Market Index (80%) Vanguard Total International Stock Index (20%)	Vanguard Total Stock Market Index (60%) Vanguard Total International Index (15%) Vanguard Total Bond Index (25%)	Vanguard Total Stock Market Index (40%) Vanguard Total International Index (10%) Vanguard Total Bond Index (50%)	Vanguard Total Stock Market Index (20%) Vanguard Total International Index (5%) Vanguard Total Bond Index (75%)	Vanguard Total Bond Index (50%) Vanguard Inflation Indexed Bond (25%) Vanguard Prime Money Fund (25%) -Single Fund- Money Market Vanguard Prime Money Fund (100%)

External Links

• Direct link to 529 plan site
• Plan document
• Morningstar Overview
• State Creditor Protections for 529 Plans

How to Cite

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