Saturday, June 27, 2020

Essay on Morality

Essay on Morality Being a part of a society every human is trying to follow some moral principles that define what is good and what is bad, what is right and what is wrong. All of these determine our actions made in various life circumstances and shows our moral values as well. This essay will aim to discuss the concept of morality and describe the main issues related to this philosophical question that may be never answered. What is morality? Lots of definitions can be applied to the concept of morality. In short, morality is regarded as an attempt to define who we are from the position of some right and wrong actions we do and thoughts that we think. Throughout thousands of years philosophers have been trying to solve the issue about defining the concept of morality. â€Å"Many man many mind† approach is what can be applied to the problem. Nevertheless, it is possible to try to think over the question and reveal the common sings of morality that can be meaningful for us in a modern society. What is meant by a moral person? Can it be properly interpreted? The concepts with multiform meanings such as morality can be illustrated in the real world on practice and thus possibly defined in some way. Lets assume, you are going back home at midnight and find a purse on the sidewalk with lots of money and some bank cards with a name on it. You can find the person and return the stuff, will you do it? Or will you choose to keep it for yourself and use somebody elses money for your own purposes? Your action in this specific situation defines your morality. Your decision can show whether you act right or wrong. Still, another question arise – is it right to give the purse back to its owner if you are in need yourself? Maybe this is a sign and life supports you when you need it? No one knows the right answer, because it does not actually exist. Each of us defines from our own point of view what is right and what is wrong, and it may has nothing to do with the concept of morality as it is defined by a modern world and other individuals. Are people in a modern society loosing their moral values? Modern society is more likely to lose moral values with the time flow. It happens because of materialism that affects peoples mind and prevails moral values. Technical progress contributes to this as well. People keep on earning money and buying products they need, so they tend to try to buy everything they want. This fact devalues moral characteristics in some way and make people do morally wrong things even subconsciously just because of the materialistic way of thinking. Additionally, public manners influence others actions. Looking at someone doing something in a public place may affect others. Lets take an example with a public smoking. First of all, it is actually forbidden and should be so. Secondly, it has nothing to do with a moral manner when a man is walking with a cigarette in his hands while there are many people around, including children. The bad influence of the Internet on moral values of people is not the exception too. Today it is available all over the world, people have an access to the Internet and spend a lot of time there reading social media, comments to the blogs, political reports, etc. One can easily find a lot of bad things posted there, which harms and abuses other people. Adults may not take care of it, but children should be protected from this in the first place as they see bad words, consider them to be normal and copy the manner of communication. In conclusion People in a modern society tend to loose their moral values, which is influenced by materialism, public thinking and manners, and the Internet as well.

Monday, June 8, 2020

2012 Plan Performance Rankings Q2

Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-year investment performance, three-year investment performance and five-year investment performance. The top-performing 529 plans In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. The lower the "percentile," the better the ranking. For more details on our methodology. Here are our 529 performance rankings as of June 30, 2012. We ranked plans that consumers can enroll in directly (see below), as well as those sold through brokers). One-year performance ranking Rank State Plan Percentile 1 New York New York's 529 College Savings Program -- Direct Plan 23.29 2 Pennsylvania Pennsylvania 529 Investment Plan 24.48 3 Florida Florida College Investment Plan 27.10 4 Michigan Michigan Education Savings Program 28.22 5 Vermont Vermont Higher Education Investment Plan 30.21 6 Illinois Bright Start College Savings Program -- Direct-sold Plan 30.45 7 Georgia Path2College 529 Plan 31.05 8 Minnesota Minnesota College Savings Plan 31.17 9 Iowa College Savings Iowa 31.43 10 Kentucky Kentucky Education Savings Plan Trust 32.90 See the full list of one-year direct-sold rankings. Three-year performance ranking Rank State Plan Percentile 1 Alaska T. Rowe Price College Savings Plan 23.87 2 Alaska University of Alaska College Savings Plan 24.88 3 Nevada USAA 529 College Savings Plan 25.11 4 New York New York's 529 College Savings Program -- Direct Plan 30.00 5 Michigan Michigan Education Savings Program 30.25 6 Maryland College Savings Plans of Maryland -- College Investment Plan 30.95 7 Virginia Virginia Education Savings Trust (VEST) 36.78 8 Wisconsin EdVest (Direct-sold) 37.57 9 Maine NextGen College Investing Plan -- Client Direct Series 38.22 10 Minnesota Minnesota College Savings Plan 38.60 See the full list of three-year direct-sold rankings. Five-year performance ranking Rank State Plan Percentile 1 Florida Florida College Investment Plan 18.06 2 Utah Utah Educational Savings Plan (UESP) Trust 25.88 3 Nevada USAA 529 College Savings Plan 29.97 4 Pennsylvania Pennsylvania 529 Investment Plan 30.30 5 New York New York's 529 College Savings Program -- Direct Plan 31.15 6 Michigan Michigan Education Savings Program 31.33 7 Kansas Schwab 529 College Savings Plan 33.02 8 Ohio Ohio CollegeAdvantage 529 Savings Plan 33.79 9 Georgia Path2College 529 Plan 34.80 10 Wisconsin EdVest (Direct-sold) 36.87 See the full list of five-year direct-sold rankings. For broker-sold plan rankings. How to rank 529 plan performance Ranking over 3,000 investment options is no easy task, considering the wide variety of options found in 529 savings plans, and it requires a special methodology. Step one: We select specific portfolios from each 529 plan that can be compared on an apples-to-apples basis to portfolios in other 529 plans, based on their allocation among stocks, bonds and short-term instruments (money market and guaranteed investments). We've set up seven different asset-allocation categories ranging from 100 percent equity to 100 percent short-term. Step two: Within each of the seven categories, we compare historical performance of the selected portfolios and assign each plan a percentile ranking between one (best) and 100 (worst). Separate rankings are developed for one-year, three-year and five-year performances. Step three: We take the average of each 529 plan's percentile rankings in the seven asset-allocation categories to produce a combined or "composite" percentile ranking. We then produce reports showing how the 529 plans rank against each other in their composite percentile rankings. Note: We currently produce these composite rankings for one-year, three-year and five-year performances. For a more in-depth explanation of our methodology, please read our white paper. See the one-year direct-sold, three-year direct-sold and five-year direct-sold rankings. More information Links to our full report on the composite rankings for this quarter are provided below for the direct-sold 529 plans. Only our Premium subscribers have access to composite rankings for advisor-sold 529 plans, to the underlying data supporting the rankings and to separate one-year, three-year and five-year rankings for each of the seven different asset-allocation categories. In addition, subscribers can easily look up the historical performance for every 529 portfolio in every available share class by using our Fee and Performance Lookup Tool. Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-year investment performance, three-year investment performance and five-year investment performance. The top-performing 529 plans In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. The lower the "percentile," the better the ranking. For more details on our methodology. Here are our 529 performance rankings as of June 30, 2012. We ranked plans that consumers can enroll in directly (see below), as well as those sold through brokers). One-year performance ranking Rank State Plan Percentile 1 New York New York's 529 College Savings Program -- Direct Plan 23.29 2 Pennsylvania Pennsylvania 529 Investment Plan 24.48 3 Florida Florida College Investment Plan 27.10 4 Michigan Michigan Education Savings Program 28.22 5 Vermont Vermont Higher Education Investment Plan 30.21 6 Illinois Bright Start College Savings Program -- Direct-sold Plan 30.45 7 Georgia Path2College 529 Plan 31.05 8 Minnesota Minnesota College Savings Plan 31.17 9 Iowa College Savings Iowa 31.43 10 Kentucky Kentucky Education Savings Plan Trust 32.90 See the full list of one-year direct-sold rankings. Three-year performance ranking Rank State Plan Percentile 1 Alaska T. Rowe Price College Savings Plan 23.87 2 Alaska University of Alaska College Savings Plan 24.88 3 Nevada USAA 529 College Savings Plan 25.11 4 New York New York's 529 College Savings Program -- Direct Plan 30.00 5 Michigan Michigan Education Savings Program 30.25 6 Maryland College Savings Plans of Maryland -- College Investment Plan 30.95 7 Virginia Virginia Education Savings Trust (VEST) 36.78 8 Wisconsin EdVest (Direct-sold) 37.57 9 Maine NextGen College Investing Plan -- Client Direct Series 38.22 10 Minnesota Minnesota College Savings Plan 38.60 See the full list of three-year direct-sold rankings. Five-year performance ranking Rank State Plan Percentile 1 Florida Florida College Investment Plan 18.06 2 Utah Utah Educational Savings Plan (UESP) Trust 25.88 3 Nevada USAA 529 College Savings Plan 29.97 4 Pennsylvania Pennsylvania 529 Investment Plan 30.30 5 New York New York's 529 College Savings Program -- Direct Plan 31.15 6 Michigan Michigan Education Savings Program 31.33 7 Kansas Schwab 529 College Savings Plan 33.02 8 Ohio Ohio CollegeAdvantage 529 Savings Plan 33.79 9 Georgia Path2College 529 Plan 34.80 10 Wisconsin EdVest (Direct-sold) 36.87 See the full list of five-year direct-sold rankings. For broker-sold plan rankings. How to rank 529 plan performance Ranking over 3,000 investment options is no easy task, considering the wide variety of options found in 529 savings plans, and it requires a special methodology. Step one: We select specific portfolios from each 529 plan that can be compared on an apples-to-apples basis to portfolios in other 529 plans, based on their allocation among stocks, bonds and short-term instruments (money market and guaranteed investments). We've set up seven different asset-allocation categories ranging from 100 percent equity to 100 percent short-term. Step two: Within each of the seven categories, we compare historical performance of the selected portfolios and assign each plan a percentile ranking between one (best) and 100 (worst). Separate rankings are developed for one-year, three-year and five-year performances. Step three: We take the average of each 529 plan's percentile rankings in the seven asset-allocation categories to produce a combined or "composite" percentile ranking. We then produce reports showing how the 529 plans rank against each other in their composite percentile rankings. Note: We currently produce these composite rankings for one-year, three-year and five-year performances. For a more in-depth explanation of our methodology, please read our white paper. See the one-year direct-sold, three-year direct-sold and five-year direct-sold rankings. More information Links to our full report on the composite rankings for this quarter are provided below for the direct-sold 529 plans. Only our Premium subscribers have access to composite rankings for advisor-sold 529 plans, to the underlying data supporting the rankings and to separate one-year, three-year and five-year rankings for each of the seven different asset-allocation categories. In addition, subscribers can easily look up the historical performance for every 529 portfolio in every available share class by using our Fee and Performance Lookup Tool. 2012 Plan Performance Rankings Q2 Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-year investment performance, three-year investment performance and five-year investment performance. The top-performing 529 plans In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. The lower the "percentile," the better the ranking. For more details on our methodology. Here are our 529 performance rankings as of June 30, 2012. We ranked plans that consumers can enroll in directly (see below), as well as those sold through brokers). One-year performance ranking Rank State Plan Percentile 1 New York New York's 529 College Savings Program -- Direct Plan 23.29 2 Pennsylvania Pennsylvania 529 Investment Plan 24.48 3 Florida Florida College Investment Plan 27.10 4 Michigan Michigan Education Savings Program 28.22 5 Vermont Vermont Higher Education Investment Plan 30.21 6 Illinois Bright Start College Savings Program -- Direct-sold Plan 30.45 7 Georgia Path2College 529 Plan 31.05 8 Minnesota Minnesota College Savings Plan 31.17 9 Iowa College Savings Iowa 31.43 10 Kentucky Kentucky Education Savings Plan Trust 32.90 See the full list of one-year direct-sold rankings. Three-year performance ranking Rank State Plan Percentile 1 Alaska T. Rowe Price College Savings Plan 23.87 2 Alaska University of Alaska College Savings Plan 24.88 3 Nevada USAA 529 College Savings Plan 25.11 4 New York New York's 529 College Savings Program -- Direct Plan 30.00 5 Michigan Michigan Education Savings Program 30.25 6 Maryland College Savings Plans of Maryland -- College Investment Plan 30.95 7 Virginia Virginia Education Savings Trust (VEST) 36.78 8 Wisconsin EdVest (Direct-sold) 37.57 9 Maine NextGen College Investing Plan -- Client Direct Series 38.22 10 Minnesota Minnesota College Savings Plan 38.60 See the full list of three-year direct-sold rankings. Five-year performance ranking Rank State Plan Percentile 1 Florida Florida College Investment Plan 18.06 2 Utah Utah Educational Savings Plan (UESP) Trust 25.88 3 Nevada USAA 529 College Savings Plan 29.97 4 Pennsylvania Pennsylvania 529 Investment Plan 30.30 5 New York New York's 529 College Savings Program -- Direct Plan 31.15 6 Michigan Michigan Education Savings Program 31.33 7 Kansas Schwab 529 College Savings Plan 33.02 8 Ohio Ohio CollegeAdvantage 529 Savings Plan 33.79 9 Georgia Path2College 529 Plan 34.80 10 Wisconsin EdVest (Direct-sold) 36.87 See the full list of five-year direct-sold rankings. For broker-sold plan rankings. How to rank 529 plan performance Ranking over 3,000 investment options is no easy task, considering the wide variety of options found in 529 savings plans, and it requires a special methodology. Step one: We select specific portfolios from each 529 plan that can be compared on an apples-to-apples basis to portfolios in other 529 plans, based on their allocation among stocks, bonds and short-term instruments (money market and guaranteed investments). We've set up seven different asset-allocation categories ranging from 100 percent equity to 100 percent short-term. Step two: Within each of the seven categories, we compare historical performance of the selected portfolios and assign each plan a percentile ranking between one (best) and 100 (worst). Separate rankings are developed for one-year, three-year and five-year performances. Step three: We take the average of each 529 plan's percentile rankings in the seven asset-allocation categories to produce a combined or "composite" percentile ranking. We then produce reports showing how the 529 plans rank against each other in their composite percentile rankings. Note: We currently produce these composite rankings for one-year, three-year and five-year performances. For a more in-depth explanation of our methodology, please read our white paper. See the one-year direct-sold, three-year direct-sold and five-year direct-sold rankings. More information Links to our full report on the composite rankings for this quarter are provided below for the direct-sold 529 plans. Only our Premium subscribers have access to composite rankings for advisor-sold 529 plans, to the underlying data supporting the rankings and to separate one-year, three-year and five-year rankings for each of the seven different asset-allocation categories. In addition, subscribers can easily look up the historical performance for every 529 portfolio in every available share class by using our Fee and Performance Lookup Tool. Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-year investment performance, three-year investment performance and five-year investment performance. The top-performing 529 plans In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. The lower the "percentile," the better the ranking. For more details on our methodology. Here are our 529 performance rankings as of June 30, 2012. We ranked plans that consumers can enroll in directly (see below), as well as those sold through brokers). One-year performance ranking Rank State Plan Percentile 1 New York New York's 529 College Savings Program -- Direct Plan 23.29 2 Pennsylvania Pennsylvania 529 Investment Plan 24.48 3 Florida Florida College Investment Plan 27.10 4 Michigan Michigan Education Savings Program 28.22 5 Vermont Vermont Higher Education Investment Plan 30.21 6 Illinois Bright Start College Savings Program -- Direct-sold Plan 30.45 7 Georgia Path2College 529 Plan 31.05 8 Minnesota Minnesota College Savings Plan 31.17 9 Iowa College Savings Iowa 31.43 10 Kentucky Kentucky Education Savings Plan Trust 32.90 See the full list of one-year direct-sold rankings. Three-year performance ranking Rank State Plan Percentile 1 Alaska T. Rowe Price College Savings Plan 23.87 2 Alaska University of Alaska College Savings Plan 24.88 3 Nevada USAA 529 College Savings Plan 25.11 4 New York New York's 529 College Savings Program -- Direct Plan 30.00 5 Michigan Michigan Education Savings Program 30.25 6 Maryland College Savings Plans of Maryland -- College Investment Plan 30.95 7 Virginia Virginia Education Savings Trust (VEST) 36.78 8 Wisconsin EdVest (Direct-sold) 37.57 9 Maine NextGen College Investing Plan -- Client Direct Series 38.22 10 Minnesota Minnesota College Savings Plan 38.60 See the full list of three-year direct-sold rankings. Five-year performance ranking Rank State Plan Percentile 1 Florida Florida College Investment Plan 18.06 2 Utah Utah Educational Savings Plan (UESP) Trust 25.88 3 Nevada USAA 529 College Savings Plan 29.97 4 Pennsylvania Pennsylvania 529 Investment Plan 30.30 5 New York New York's 529 College Savings Program -- Direct Plan 31.15 6 Michigan Michigan Education Savings Program 31.33 7 Kansas Schwab 529 College Savings Plan 33.02 8 Ohio Ohio CollegeAdvantage 529 Savings Plan 33.79 9 Georgia Path2College 529 Plan 34.80 10 Wisconsin EdVest (Direct-sold) 36.87 See the full list of five-year direct-sold rankings. For broker-sold plan rankings. How to rank 529 plan performance Ranking over 3,000 investment options is no easy task, considering the wide variety of options found in 529 savings plans, and it requires a special methodology. Step one: We select specific portfolios from each 529 plan that can be compared on an apples-to-apples basis to portfolios in other 529 plans, based on their allocation among stocks, bonds and short-term instruments (money market and guaranteed investments). We've set up seven different asset-allocation categories ranging from 100 percent equity to 100 percent short-term. Step two: Within each of the seven categories, we compare historical performance of the selected portfolios and assign each plan a percentile ranking between one (best) and 100 (worst). Separate rankings are developed for one-year, three-year and five-year performances. Step three: We take the average of each 529 plan's percentile rankings in the seven asset-allocation categories to produce a combined or "composite" percentile ranking. We then produce reports showing how the 529 plans rank against each other in their composite percentile rankings. Note: We currently produce these composite rankings for one-year, three-year and five-year performances. For a more in-depth explanation of our methodology, please read our white paper. See the one-year direct-sold, three-year direct-sold and five-year direct-sold rankings. More information Links to our full report on the composite rankings for this quarter are provided below for the direct-sold 529 plans. Only our Premium subscribers have access to composite rankings for advisor-sold 529 plans, to the underlying data supporting the rankings and to separate one-year, three-year and five-year rankings for each of the seven different asset-allocation categories. In addition, subscribers can easily look up the historical performance for every 529 portfolio in every available share class by using our Fee and Performance Lookup Tool. 2012 Plan Performance Rankings Q2 Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-year investment performance, three-year investment performance and five-year investment performance. The top-performing 529 plans In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. The lower the "percentile," the better the ranking. For more details on our methodology. Here are our 529 performance rankings as of June 30, 2012. We ranked plans that consumers can enroll in directly (see below), as well as those sold through brokers). One-year performance ranking Rank State Plan Percentile 1 New York New York's 529 College Savings Program -- Direct Plan 23.29 2 Pennsylvania Pennsylvania 529 Investment Plan 24.48 3 Florida Florida College Investment Plan 27.10 4 Michigan Michigan Education Savings Program 28.22 5 Vermont Vermont Higher Education Investment Plan 30.21 6 Illinois Bright Start College Savings Program -- Direct-sold Plan 30.45 7 Georgia Path2College 529 Plan 31.05 8 Minnesota Minnesota College Savings Plan 31.17 9 Iowa College Savings Iowa 31.43 10 Kentucky Kentucky Education Savings Plan Trust 32.90 See the full list of one-year direct-sold rankings. Three-year performance ranking Rank State Plan Percentile 1 Alaska T. Rowe Price College Savings Plan 23.87 2 Alaska University of Alaska College Savings Plan 24.88 3 Nevada USAA 529 College Savings Plan 25.11 4 New York New York's 529 College Savings Program -- Direct Plan 30.00 5 Michigan Michigan Education Savings Program 30.25 6 Maryland College Savings Plans of Maryland -- College Investment Plan 30.95 7 Virginia Virginia Education Savings Trust (VEST) 36.78 8 Wisconsin EdVest (Direct-sold) 37.57 9 Maine NextGen College Investing Plan -- Client Direct Series 38.22 10 Minnesota Minnesota College Savings Plan 38.60 See the full list of three-year direct-sold rankings. Five-year performance ranking Rank State Plan Percentile 1 Florida Florida College Investment Plan 18.06 2 Utah Utah Educational Savings Plan (UESP) Trust 25.88 3 Nevada USAA 529 College Savings Plan 29.97 4 Pennsylvania Pennsylvania 529 Investment Plan 30.30 5 New York New York's 529 College Savings Program -- Direct Plan 31.15 6 Michigan Michigan Education Savings Program 31.33 7 Kansas Schwab 529 College Savings Plan 33.02 8 Ohio Ohio CollegeAdvantage 529 Savings Plan 33.79 9 Georgia Path2College 529 Plan 34.80 10 Wisconsin EdVest (Direct-sold) 36.87 See the full list of five-year direct-sold rankings. For broker-sold plan rankings. How to rank 529 plan performance Ranking over 3,000 investment options is no easy task, considering the wide variety of options found in 529 savings plans, and it requires a special methodology. Step one: We select specific portfolios from each 529 plan that can be compared on an apples-to-apples basis to portfolios in other 529 plans, based on their allocation among stocks, bonds and short-term instruments (money market and guaranteed investments). We've set up seven different asset-allocation categories ranging from 100 percent equity to 100 percent short-term. Step two: Within each of the seven categories, we compare historical performance of the selected portfolios and assign each plan a percentile ranking between one (best) and 100 (worst). Separate rankings are developed for one-year, three-year and five-year performances. Step three: We take the average of each 529 plan's percentile rankings in the seven asset-allocation categories to produce a combined or "composite" percentile ranking. We then produce reports showing how the 529 plans rank against each other in their composite percentile rankings. Note: We currently produce these composite rankings for one-year, three-year and five-year performances. For a more in-depth explanation of our methodology, please read our white paper. See the one-year direct-sold, three-year direct-sold and five-year direct-sold rankings. More information Links to our full report on the composite rankings for this quarter are provided below for the direct-sold 529 plans. Only our Premium subscribers have access to composite rankings for advisor-sold 529 plans, to the underlying data supporting the rankings and to separate one-year, three-year and five-year rankings for each of the seven different asset-allocation categories. In addition, subscribers can easily look up the historical performance for every 529 portfolio in every available share class by using our Fee and Performance Lookup Tool. Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-year investment performance, three-year investment performance and five-year investment performance. The top-performing 529 plans In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. The lower the "percentile," the better the ranking. For more details on our methodology. Here are our 529 performance rankings as of June 30, 2012. We ranked plans that consumers can enroll in directly (see below), as well as those sold through brokers). One-year performance ranking Rank State Plan Percentile 1 New York New York's 529 College Savings Program -- Direct Plan 23.29 2 Pennsylvania Pennsylvania 529 Investment Plan 24.48 3 Florida Florida College Investment Plan 27.10 4 Michigan Michigan Education Savings Program 28.22 5 Vermont Vermont Higher Education Investment Plan 30.21 6 Illinois Bright Start College Savings Program -- Direct-sold Plan 30.45 7 Georgia Path2College 529 Plan 31.05 8 Minnesota Minnesota College Savings Plan 31.17 9 Iowa College Savings Iowa 31.43 10 Kentucky Kentucky Education Savings Plan Trust 32.90 See the full list of one-year direct-sold rankings. Three-year performance ranking Rank State Plan Percentile 1 Alaska T. Rowe Price College Savings Plan 23.87 2 Alaska University of Alaska College Savings Plan 24.88 3 Nevada USAA 529 College Savings Plan 25.11 4 New York New York's 529 College Savings Program -- Direct Plan 30.00 5 Michigan Michigan Education Savings Program 30.25 6 Maryland College Savings Plans of Maryland -- College Investment Plan 30.95 7 Virginia Virginia Education Savings Trust (VEST) 36.78 8 Wisconsin EdVest (Direct-sold) 37.57 9 Maine NextGen College Investing Plan -- Client Direct Series 38.22 10 Minnesota Minnesota College Savings Plan 38.60 See the full list of three-year direct-sold rankings. Five-year performance ranking Rank State Plan Percentile 1 Florida Florida College Investment Plan 18.06 2 Utah Utah Educational Savings Plan (UESP) Trust 25.88 3 Nevada USAA 529 College Savings Plan 29.97 4 Pennsylvania Pennsylvania 529 Investment Plan 30.30 5 New York New York's 529 College Savings Program -- Direct Plan 31.15 6 Michigan Michigan Education Savings Program 31.33 7 Kansas Schwab 529 College Savings Plan 33.02 8 Ohio Ohio CollegeAdvantage 529 Savings Plan 33.79 9 Georgia Path2College 529 Plan 34.80 10 Wisconsin EdVest (Direct-sold) 36.87 See the full list of five-year direct-sold rankings. For broker-sold plan rankings. How to rank 529 plan performance Ranking over 3,000 investment options is no easy task, considering the wide variety of options found in 529 savings plans, and it requires a special methodology. Step one: We select specific portfolios from each 529 plan that can be compared on an apples-to-apples basis to portfolios in other 529 plans, based on their allocation among stocks, bonds and short-term instruments (money market and guaranteed investments). We've set up seven different asset-allocation categories ranging from 100 percent equity to 100 percent short-term. Step two: Within each of the seven categories, we compare historical performance of the selected portfolios and assign each plan a percentile ranking between one (best) and 100 (worst). Separate rankings are developed for one-year, three-year and five-year performances. Step three: We take the average of each 529 plan's percentile rankings in the seven asset-allocation categories to produce a combined or "composite" percentile ranking. We then produce reports showing how the 529 plans rank against each other in their composite percentile rankings. Note: We currently produce these composite rankings for one-year, three-year and five-year performances. For a more in-depth explanation of our methodology, please read our white paper. See the one-year direct-sold, three-year direct-sold and five-year direct-sold rankings. More information Links to our full report on the composite rankings for this quarter are provided below for the direct-sold 529 plans. Only our Premium subscribers have access to composite rankings for advisor-sold 529 plans, to the underlying data supporting the rankings and to separate one-year, three-year and five-year rankings for each of the seven different asset-allocation categories. In addition, subscribers can easily look up the historical performance for every 529 portfolio in every available share class by using our Fee and Performance Lookup Tool.