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Accounts & Products
 

Schwab 529 Savings Plan

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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 schwab.com/forms 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
888-903-3863.

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. You can select from a range of portfolios based on your investment objectives, risk tolerance, and time horizon. Your investment will remain within the selected portfolio until you change it.
  • Age-based tracks. This approach allows you to pick a risk track that automatically adjusts itself over the life of your investment. When you select an age-based track, your investment gradually becomes more conservative as the beneficiary approaches college.
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.
Schwab 529 Plan portfolio composition – Each of the 529 Plan portfolios includes fund families primarily within Schwab’s Mutual Fund OneSource service, as well as Schwab Affiliate Funds. The Schwab 529 Plan employs multiple fund families to diversify across securities, industry sectors, and investment styles.

Underlying Holdings of the Schwab 529 Plan Portfolios

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 state benefits such as financial aid, scholarship funds, and protection from creditors that are only available in such state’s qualified tuition program.  Tax and financial aid treatment of 529 plans is subject to change.  As with any investment, it is possible to lose money by investing in this plan.
 
An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the money market fund in which your investment option invests (the “underlying fund”) seeks to preserve its value at $1.00 per share, the underlying fund cannot guarantee it will do so. The underlying fund’s sponsor has no legal obligation to provide financial support to the underlying fund, and you should not expect that the sponsor will provide financial support to the underlying fund at any time.