Morningstar 529 College-Savings Plans Research Report 2012
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1 Morningstar 529 College-Savings Plans Research Report 2012 David Falkof, Fund Analyst Dial , with Access code: <#> 529 Industry Continues to Mature Assets have grown from $200 million in 1998 to $162 billion today Direct-sold plans are gaining market share relative to advisor-sold plans 529 College-Savings Plan Assets 529 Plan Distribution Total Net Assets September 2011 Mil $ Total Net Assets September 2012 Mil $ Total Market Share September 2012 Advisor-sold 66,617 78, Direct-sold 66,600 83, Total 133, , Data as of 9/30/11 Source: Morningstar, Inc. 2
2 Morningstar 529 Research, 2012 Ratings and research on plans Data on 4, investment options Morningstar categories Morningstar Ratings Annual white paper on industry trends coming Spring Morningstar Analyst Rating: The Rating Spectrum 4
3 The Five Pillars The Five Pillars People Comprehensive evaluation of the underlying managers' talent, tenure, and resources.
4 The Five Pillars Process What strategies are included in the plan, and how and why were they designed? The Five Pillars Parent What priorities prevail at the program manager and offering state? Stewardship or salesmanship?
5 The Five Pillars Performance Why did the plan s investment options behave a certain way in different markets? The Five Pillars Price Are the plan s options a good value proposition compared to similar options sold through similar channels?
6 Morningstar Analyst Ratings for 529 Plans Analyze direct-sold plans separately from advisor-sold plans Pillars are not equally weighted State benefits can offset weaknesses Plans from states with portable benefits or no local benefits compete nationally Team of 529 analysts review all ratings 11 Distribution of Morningstar Analyst Ratings for 529 Plans Data as of 10/15/2012
7 Morningstar Analyst Ratings, 2012 Morningstar Analyst Ratings for 529 College-Savings Plans--Gold State Sales Channel Maryland College Investment Plan MD Direct T. Rowe Price College Savings Plan AK Direct The Vanguard 529 College Savings Plan NV Direct Utah Educational Savings Plan UT Direct 13 Morningstar Analyst Ratings, 2012 Morningstar Analyst Ratings for 529 College-Savings Plans--Silver State Sales Channel CollegeAdvantage 529 Savings Plan OH Direct CollegeAmerica VA Advisor ishares 529 Plan AR Advisor Michigan Education Savings Plan MI Direct 14
8 Morningstar Analyst Ratings, 2012 Morningstar Analyst Ratings for 529 College-Savings Plans--Negative State Sales Channel CollegeBoundfund (Advisor Sold) RI Advisor CollegeBoundfund (Direct Sold) RI Direct Minnesota College Savings Plan MN Direct Schwab 529 College Savings Plan KS Direct 15 Trends: More Plans Embrace ETFs 2 all-etf plans: ishares 529 Plan and SSgA Upromise 529 Plan 16 plans include ETFs ETFs used to cut plan costs or to execute tactical asset allocation 16
9 Trends: A Deep Dive on Age-Based Fees Morningstar took a closer look at expense ratios for age-based options aimed at 10-year-olds Sorted expenses into 6 groups Direct-sold Passive Direct-sold Active Direct-sold Blend Advisor-sold Passive Advisor-sold Active Advisor-sold Blend Goal was to see whether age-based options were good value propositions based on their strategies 17 Trends: Price Varies Widely Among Plans with Similar Age- Based Options 529 Plan Expenses by Investment Strategy and Distribution Minimum Expense Ratio Median Expense Ratio Maximum Expense Ratio Direct-sold Passive Direct-sold Active Direct-sold Blend Advisor-sold Passive Advisor-sold Active Advisor-sold Blend
10 Trends: Passive Doesn t Always Mean Cheap Most Expensive Direct-Sold Passive Age-Based 529 Options for 10-Year-Old Beneficiaries Plan Name (State) State Track Name Total Expense Ratio College SAVE ND Aggressive 0.85 College SAVE ND Conservative 0.85 College SAVE ND Moderate 0.85 GIFT College Investing Plan AR Age-Based Aggressive 0.75 GIFT College Investing Plan AR Age-Based Conservative 0.75 GIFT College Investing Plan AR Age-Based Moderate 0.75 HI529 Hawaii s College Savings Program HI Age-Based 0.75 Ideal Idaho College Savings Program ID Aggressive Trends: Passive Doesn t Always Mean Cheap Cheapest Direct-Sold Passive Age-Based 529 Options for 10-Year-Old Beneficiaries Plan Name (State) State Track Name Total Expense Ratio New York s 529 Program (Direct) NY Aggressive 0.17 New York s 529 Program (Direct) NY Conservative 0.17 New York s 529 Program (Direct) NY Moderate 0.17 Bright Start College Savings (Direct) IL Age-Based Index 0.23 CollegeAdvantage 529 Savings Plan OH Age-Based Aggressive 0.23 Utah Educational Savings Plan UT Age-Based Growth 0.24 CollegeAdvantage 529 Savings Plan OH Age-Based Moderate 0.24 The Vanguard 529 College Savings Plan NV Moderate
11 Trends: Active Can Be Inexpensive Cheapest Advisor-Sold Active Age-Based 529 Options for 10-Year-Old Beneficiaries Plan Name (State) State Track Name Total Expense Ratio CollegeBoundfund (Advisor) RI Age-Based Aggressive 0.45 CollegeBoundfund (Advisor) RI Age-Based Moderate 0.45 Bright Start Coll Savings (Advisor) IL Age-Based 0.96 CollegeBoundfund (Advisor) RI Age-Based Conservative 1.03 Scholars Choice College Savings Program CO Age-Based 1.03 LearningQuest 529 Program (Advisor) KS Conservative 1.05 CollegeBoundfund (Advisor) RI Age-Based Moderate 1.05 Putnam 529 for America NV Conservative Trends: Active Can Be Inexpensive Cheapest Direct-Sold Active Age-Based 529 Options for 10-Year-Old Beneficiaries Plan Name (State) State Track Name Total Expense Ratio CollegeBoundfund (Direct) RI Age-Based Aggressive 0.20 CollegeBoundfund (Direct) RI Age-Based Moderate 0.20 CollegeAccess 529 SD Age-Based 0.56 ScholarShare College Savings Plan CA Active Age-Based 0.60 Kentucky Education Savings Plan Trust KY Age-Based 0.65 SMART529 Select College Savings Plan WV Age-Based 0.72 Florida College Investment Plan FL Age-Based
12 Trends: 529 Disclosure Falls Short Morningstar audited 529 plans public disclosure in July and August 2012 to determine which provided sufficient detail for college savers to make well-informed decisions None of the plans met all of Morningstar s criteria Plan with best disclosure was EdVest College Savings Plan, then run by Wells Fargo Most plans lacked detail on options underlying holdings Details on management, benchmarks, asset allocation were weak 23 24
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