Decide How to Save for College

Choose a college savings option that matches your priorities. If you've decided on a 529 plan, learn more about choosing an investment strategy.

Find a plan

What can you do?

As you decide on a plan, consider your investment priorities, account ownership preferences, and timetable for saving. Your options may include 529 college savings, custodial, and brokerage accounts.

If you've decided to go with a 529, the next step is to pick a specific plan. Consider your home state's plan first, although you can invest in any state's plan. Fidelity manages plans for four states: New Hampshire, Arizona, Delaware, and Massachusetts. When comparing 529 plans, you may want to take a closer look at things like:

  • Tax advantages
  • Plan performance
  • Management fees

If you've decided on a different way to save, find out more:

How can you learn more?

College planning tools & calculators

529 college savings plan comparison
Input your home state, then see how your state's options stack up against plans offered by other states.

529 state tax deduction calculator
See if your state offers a tax exemption or benefit for 529 savings.

Detailed plan information

Compare college savings options
See a side-by-side rundown of the different accounts and compare features like tax advantages, account maximums, and impact on financial aid.

529 plan FAQs: about the accounts
Get in-depth information about 529 plan accounts, including how to choose a plan, fees and expenses, and account transfers.

Fidelity-managed 529 Plans
Learn more about Fidelity's four state plans, which charge some of the lowest fees in the industry.

Choose an investment strategy

What can you do?

Take a look at the different investment strategies offered by the firms that manage 529 plans. They typically include age-based, static, and individual fund portfolios.

Fidelity-managed 529 plans also offer a multi-firm, age-based portfolio option that provides an opportunity to diversify your funds across multiple fund companies. In addition, Fidelity-managed 529 plan accounts have no annual fees and low account opening minimums.

How can you learn more?

Fidelity-managed 529 plan account owners have two choices:

Age-Based Strategy, which automatically becomes more conservative as your beneficiary nears college age

Custom Strategy, which lets you create a plan designed to fit your specific investment needs

Review your investment options

Understand the difference between our two strategies, and get details on the available portfolios.

Review short-term, monthly, and annual portfolio performance for each of the Fidelity-managed 529 plans:

Next step

Open and maintain a 529 account
Learn about your account opening options and how you can maintain the account over time.