No enrollment fee; 0.10%–0.64% expense ratios· #1
Open Account →my529 (Utah Higher Education Assistance Authority)
Utah My529
The most flexible, lowest-cost 529 plan in America
Utah My529 has held the top spot in Morningstar's 529 rankings for years due to its best-in-class combination of ultra-low fees, exceptional investment flexibility, and nationwide accessibility. Even non-Utah residents should strongly consider opening an account here.
✓ Pros
- Consistently ranked #1 by Morningstar for low fees and flexibility
- Unique customizable investment options — mix Vanguard, Dimensional, and PIMCO funds
- Open to all US residents regardless of state of residence
✕ Cons
- Utah residents get best state tax benefit; non-residents get no UT state deduction
- Custom portfolio building may feel complex for casual investors
Scores
Overall
9.5
Safety
9.5
Value
9.7
Ease
9.2
Quality
9.5
Specifications
annual Fees0.10%–0.64%
minimum Contribution$1
open To All Statestrue
morningstar RatingGold
tax DeductionUtah residents only