Colorado 529 plan archive

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The Colorado 529 plan archive 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


Colorado 529 Plan:
Program match on contributions: Dollar-for-dollar match of up to $500 to a matching grant account for Colorado residents under 235% of the federal poverty level (but not above the Colorado Median Family Income). The beneficiary dependent must be age 12 or younger at the time of initial application. The match can received for a maximum of five years. For purposes of matching, the program year runs from September 1 through May 31. Application with tax return must be submitted between September 1 and December 31.
State tax deduction or credit for contributions: Contributions to any of Colorado's 529 plans are fully deductible in computing Colorado taxable income, up to the contributor's adjusted gross income. Rollover contributions are not eligible for the deduction.
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 three individual-fund portfolios.
Expenses: 0.36% for all portfolios.[1] Annual maintenance fee is $20 annually, waived: for Colorado residents (and Wyoming residents with plans established before November 30, 2011); account balance of at least $10,000; or account owner enrolls in electronic delivery of all documents.
Policy Regarding Ownership Changes: Accepts requests to transfer account ownership.
Policy Regarding Beneficiary Changes: Accepts requests to change designated beneficiary.
Policy Regarding Rollovers: Accepts incoming rollovers.

Allows outgoing indirect rollovers, subject to the recapture of prior state tax deductions.

Age-based

The Colorado 529 savings plan offers three age-based investment plans. The constituent portfolios for the Aggressive, Moderate, and Conservative plans are detailed in the static multi-fund table below.

Age-Based Index Portfolios
Underlying Vanguard Funds
Age 0-5 Age 6-10 Age 11-15 Age 16-18 Age 19+
Aggressive Aggressive Growth
100/0
Growth
75/25
Moderate Growth
50/50
Conservative Growth
25/75
Income
0/100
Moderate Growth
75/25
Moderate Growth
50/50
Conservative Growth
25/75
Income
0/100
Income
0/100
Conservative Moderate Growth
50/50
Conservative Growth
25/75
Income
0/100
Income
0/100
Interest Accumulation
0/100

Static

Static Multifund Options
Vanguard Institutional Funds
Aggressive Growth Portfolio Growth Portfolio Moderate Growth Portfolio Conservative Growth Portfolio Income Portfolio Stand-alone Portfolios
  • Total Stock Market Index (80%)
  • Total International Index (20%)
  • Total Stock Market Index (60%)
  • Total International Index (15%)
  • Total Bond II Index (25%)


  • Total Stock Market Index (40%)
  • Total International Index (10%)
  • Total Bond II Index (50%)
  • Total Stock Market Index (20%)
  • Total International Index (5%)
  • Total Bond II Index (75%)


  • Total Bond II Index (50%)
  • Inflation Indexed Bond (25%)
  • Prime Money Fund (25%
  • Total Stock Market Index
  • Total Bond II Index
  • Prime Money Market

Exceptions to the institutional share class funds lineup include the use of the institutional plus shareclass used by the Total Market fund, and the investor shareclass used by the Total International fund.

References

  1. CollegeInvest Direct Portfolio College Savings Plan, September 2016 supplement, Viewed October 18, 2016.

External links