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Schwab 529 Savings Plan


Start a college fund for your children or a family member with a Schwab 529 College Savings Plan. You can open and contribute to almost any 529 plan, no matter what state you live in and regardless of your age or income.

Schwab 529 clients can make contributions, change investment portfolio selections (twice per calendar year as authorized by the IRS), take withdrawals, and change beneficiaries—as well as perform other account maintenance. Forms are available at by selecting the "Topics" Tab and then the "College and Custodial Accounts" option.

What are the fees and commissions?

  • $0 account open or maintenance fees. Other account fees, fund expenses, and brokerage commissions may apply.1
  • Minimum required to open an account: $25.

What are the benefits of a Schwab 529 College Savings Plan account?

With this account, you'll get:

  • Tax advantages
  • Higher contribution limits than an education savings account
  • 24/7 service and support

Ready to get started?

Or download a


Need help? Call

How do I log in to my 529 account?

Investment Choices

Learn more about portfolio options, plan performance, or underlying funds.

The Schwab 529 Plan gives you a choice of investment options, each designed to provide the appropriate balance of risk and growth to help meet your target investment goals. There is also a money market fund portfolio that is designed to offer the stability of capital for a shorter-term time horizon. You can change your portfolio selection twice per calendar year as authorized by the IRS.

Start by selecting a static portfolio or an age-based option.

  • Static portfolios. Multiple portfolios based on your selected investing style. Your assets will remain within the selected portfolio until you choose a different one.
  • Age-based tracks. Selection of investment tracks based on risk tolerance. Your investment is automatically moved through one or more of the portfolios, with the investing style becoming more conservative as the beneficiary nears college age.
Within these portfolios, you have the option of choosing the type of fund – actively managed or index – that best accommodates your investment objectives.
  • Actively managed funds. Broad exposure to up to 14 professionally managed mutual funds that offer different investments and risks, each with the potential to exceed market expectations.
  • Index funds. By investing across six index mutual funds, these diversified portfolios provide a cost-effective opportunity to track the performance of major market indices.
Decide which options will work best for you:

Read more about these portfolios and how they work in the Schwab 529 College Savings Plan Brochure.
The Schwab 529 College Savings Plan offers several portfolios that use a variety of highly rated, professionally managed investments from the following fund companies:

  • American Beacon Funds
  • American Century Investments®
  • Baird Funds
  • JP Morgan Funds 
  • Laudus Funds™
  • Schwab Funds®
  • Metropolitan West Asset Management
  • Vanguard Funds

Take the next step.

Get started with a Schwab 529 College Savings Plan today:

Need help? Call 888-903-3863.

Before investing, carefully consider the plan’s investment objectives, risks, charges, and expenses. This information and more about the plan can be found in the Schwab 529 College Savings Plan Guide and Participation Agreement, available from Charles Schwab & Co., Inc., and should be read carefully before investing. If you are not a Kansas taxpayer, consider before investing whether your or the beneficiary's home state offers a 529 plan that provides its taxpayers with state tax and other benefits not available through this plan. As with any investment, it is possible to lose money by investing in this plan.

An investment in a money market fund is neither insured nor guaranteed by the FDIC or any other government agency. Although the fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the fund. Please note that bank deposits are FDIC-insured up to $250,000, while non-bank independent products have no such guarantees.