Build Your Education Savings Plan

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Individual

Select one of 14 individual portfolios that allow you to customize and manage your own education savings program. The balance of stocks and bonds will remain fixed until you make a change or adjust as your child reaches enrollment age.

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Target Enrollment

Take the guesswork out of investing with a portfolio based on when your child will enroll. With more frequent rebalancing in two-year increments, you can reduce the risk and uncertainty that comes with larger adjustments and help keep your family's savings goals on track.

How the IP Plan Works

Your family has the freedom to save for education in a way that meets your goals and budget. You control your PA 529 IP account, selecting investment options from Vanguard, one of America's largest financial service companies. The options range from conservative to balanced to aggressive including target date portfolios that reallocate assets as the student gets closer to their enrollment date.

Your return is based on the performance of the underlying funds, which include stocks, bonds and other investments, depending on the options you choose. Due to market conditions, your return could be higher or lower than the rate of tuition inflation.

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Enroll today with no minimum deposit.

Any legal U.S. resident age 18 and older can open a PA 529 IP account.

PA 529 Investment Plan Rated Silver by Morningstar™

Receiving its second consecutive Silver Rating , the PA 529 IP is among an elite group of only 14 plans nationwide that have received Silver or Gold by Morningstar™.

Morningstar rates 529 plans based on four key pillars: Process, People, Parents and Price. According to Morningstar’s 2021 analysis, the PA 529 IP’s Silver Rating was based on its well-designed and affordable investment lineup, as well as commendable program oversight. Morningstar specifically pointed to the IP’s implementation of target enrollment date portfolio in April 2021 as well as its attractive expense ratio.

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Features & Benefits

  • Low fees. The PA 529 IP is affordable with low fees that vary by investment option.
  • Contribute with ease. Payroll deductions and automatic investing plans make saving even easier. Manage your account securely online anytime or call the PA 529 IP (800-440-4000) to speak to a savings specialist.
  • Use your funds at most schools. Pay for postsecondary expenses at many colleges, universities, and community colleges, as well as graduate, career, and technical schools in the U.S. and abroad. You can also pay tuition up to $10,000 annually at K-12 public, private or religious schools. Visit fafsa.ed.gov to see eligible postsecondary schools or visit apprenticeship.gov.
  • Pay for more than just tuition. Qualified postsecondary expenses include tuition, room and board, required books, supplies, equipment and fees, special needs services, and even principal and interest on a qualified education loan for a PA 529 beneficiary or sibling.
  • Anyone can contribute. Parents, grandparents, aunts, uncles and family friends can all help cover the cost of your child's education.

Contact Us

BY U.S. MAIL:

PA 529 College and Career Savings Program
Investment Plan
Processing Center
P.O. Box 55378
Boston, MA 02205-5378

BY REGISTERED, CERTIFIED OR OVERNIGHT MAIL:

PA 529 College and Career Savings Program
Investment Plan
Processing Center
95 Wells Avenue, Suite 155
Newton, MA 02459

CALL US:

800-440-4000

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Download the READYSAVE™ 529 App

Access your PA 529 account anywhere. View your balance, see transaction history, monitor investment allocations or make one-time contributions.

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Frequently Asked Questions about the PA 529 IP

Your returns are never guaranteed and your account value will fluctuate with market performance. As with any investment in securities, you can lose money by investing in the PA 529 IP. Keep in mind that the holding period for college investors is short (generally 5 to 20 years), and you should consider investing more conservatively as the time approaches for you to begin making withdrawals. Before you select an investment option, carefully consider your investment time horizon and risk tolerance.
Vanguard is the investment manager for the PA 529 IP and is one of the world's largest investment management firms. The company is committed to providing a low-cost, wide-ranging choice of investments, including index portfolios, to help PA 529 IP account owners accumulate the assets they need to send their children to school.
You can change the direction of your future contributions at any time.
You can change previous contributions from one investment option to another twice per calendar year or at any time you change the beneficiary (Note: the investment option change must take place at the same time as the beneficiary change).
See All PA 529 FAQs