Idaho 529 plan archive

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The Idaho 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


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 year of the rollover and the prior tax year.
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.
Policy Regarding Beneficiary Changes: Accepts requests to change designated beneficiary.
Policy Regarding Rollovers: Accepts incoming direct and indirect rollovers.

Allows outgoing rollovers, subject to the recapture of Idaho income tax deductions in the current and prior tax year.

Investment options

Age-based

The age-based plan utilizes the portfolios listed below. The portfolios have the same allocations as the namesake multi-fund portfolios.

Age-Based Index Portfolios Underlying Funds
Funds

Idahoagebased.jpg

  • Vanguard Aggressive Growth Portfolio
  • Vanguard Growth Portfolio
  • Vanguard Moderate Growth Portfolio
  • Vanguard Conservative Growth Portfolio
  • Vanguard Income Portfolio
  • Vanguard Conservative Income Portfolio
  • Vanguard Money Market Portfolio


Static

The Idaho 529 savings plan offers the following static multi-fund and standalone portfolios.

Static Multi-fund portfolios
Vanguard funds
Aggressive Growth Portfolio Growth Portfolio Moderate Growth Portfolio Conservative Growth Portfolio Income Portfolio
  • Total Stock Market Index (70%)
  • Total International Stock Index (30%)
  • Total Stock Market Index (52.5%)
  • Total International Index (22.5%)
  • Total Bond Index (25%)


  • Total Stock Market Index (35%)
  • Total International Index (15%)
  • Total Bond Index (50%)
  • Total Stock Market Index (17.5%)
  • Total International Index (7.5%)
  • Total Bond Index (75%)
  • Total Bond Index (50%)
  • Inflation Indexed Bond (25%)
  • Prime Money Fund (25%)
-Single Fund-
  • Money Market
Prime Money Fund (100%)


External links