Massachusetts 529 plan

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The Massachusetts 529 plan 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
Massachusetts 529 Plan
Program match on contributions: none
State tax deduction or credit for contributions: none
State tax recapture provisions: none
Age-based investment options: Choose between two age-based options, one invests in actively-managed mutual funds and the other invests in index mutual funds. Contributions are placed into the portfolio corresponding to the beneficiary’s age. The portfolios automatically shift to a more conservative investment allocation over time.
Static investment options: Select among six multi-fund portfolios, including 3 indexed based portfolios, and five individual-fund indexed portfolios.
Expenses: 0.25% - 1.37% (Index portfolios 0.25% - 0.35%)
Policy Regarding Ownership Changes: Account ownership may not be transferred prior to the owner's death or incapacity.

Investment options

Age-based

The Massachusetts 529 savings plan offers the following age-based index portfolios.

Age-based Funds
Fidelity funds
Portfolio 2030
88/12
Portfolio 2027
85/15
Portfolio 2024
75/25
Portfolio 2021
62/38
Portfolio 2018
45/51
Portfolio 2015
35/65
Portfolio 2012
20/80
  • Spartan Total Market Index Fund (59.50%)
  • Commodity Strategy Fund (3.00%)
  • Spartan International Index Fund (25.50%)
  • Spartan U.S. Bond Index Fund (12.00%)


  • Spartan Total Market Index Fund (57.20%)
  • Commodity Strategy Fund (3.00%)
  • Spartan International Index Fund (24.51%)
  • Spartan U.S. Bond Index Fund (15.29%)
  • Spartan Total Market Index Fund (50.51%)
  • Commodity Strategy Fund (3.00%)
  • Spartan International Index Fund (21.64%)
  • Spartan U.S. Bond Index Fund (24.85%)
  • Spartan Total Market Index Fund (41.47%)
  • Commodity Strategy Fund (3.00%)
  • Spartan International Index Fund (17.78%)
  • Spartan U.S. Bond Index Fund (33.01%)
  • Institutional Money Market (4.74%)
  • Spartan Total Market Index Fund (31.89%)
  • Commodity Strategy Fund (3.00%)
  • Spartan International Index Fund (13.67%)
  • Spartan U.S. Bond Index Fund (39.01%)
  • Institutional Money Market (12.43%)
  • Spartan Total Market Index Fund (21.99%)
  • Commodity Strategy Fund (3.00%)
  • Spartan International Index Fund (9.42%)
  • Spartan U.S. Bond Index Fund (41.12%)
  • Institutional Money Market (24.47%)
  • Spartan Total Market Index Fund (12.60%)
  • Commodity Strategy Fund (2.00%)
  • Spartan International Index Fund (5.40%)
  • Spartan U.S. Bond Index Fund (40.00%)
  • Institutional Money Market (40.00%)


Static

The Massachusetts 529 savings plan offers the following indexed multi-fund and standalone index portfolios.


Fidelity Index Portfolios
Aggressive Growth
(ER 0.30%)
Moderate Growth
(ER 0.34%)
Conservative
(ER 0.38%)
Fidelity Stand-alone Funds
  • Spartan Total Stock Market Index Fund (67.9%)
  • Commodity Strategy Fund (3%)
  • International Index Fund (29.1%)
  • Spartan Total Stock Market Index Fund (49%)
  • Commodity Strategy Fund (3%)
  • Spartan International Index Fund (21%)
  • Spartan U.S. Bond Index Fund (27%)


  • U.S. Bond Index Fund (45%)
  • Money Market Fund (55%)
  • Spartan Total Stock Market Index (ER 0.25%)
  • Spartan 500 Index Fund (ER 0.25%)
  • Spartan International Index Fund (ER 0.35%)
  • Spartan Intermediate Treasury Index Fund (ER 0.35%)


External links