Save and pay for education costs while taking advantage of Federal tax benefits with a 529 Education Savings Plan.
What is a 529 plan account
A 529 plan is a tax-advantaged way to invest for future education expenses. Whether you’re a parent, grandparent, parent-to-be or interested in saving for your own education, a 529 plan allows you to maintain control while providing flexibility and potential tax-advantaged growth of your contributions.
Call one of our live U.S.-based investment specialists for guidance without the wait and at no additional cost.
Why inVest in a 529 Education Savings Plan?
Federal tax-free growth and tax-free withdrawals for qualified education expenses1
Save for your loved one’s future while benefiting from the tax-advantaged offerings of a USAA 529 Education Savings Plan.
Underlying portfolios in our 529 plan are managed by our experienced investment teams
Our portfolio managers are dedicated to managing your money. We do the heavy lifting so you don't have to.
Savings can be used in several ways, and the account owner remains in control
Use your 529 plan savings for college, trade school, continuing education and more. Plus, anyone can contribute to the plan, and you can change the beneficiary at any time.
Are you a resident of Nevada?
Learn whether you are eligible to earn $1,500 toward your 529 plan with the USAA 529 Distinguished Valor Matching Grant Program.
Open a USAA 529 Education Savings Plan account quickly & conveniently today
Get started with a $50 initial investment with automatic recurring contributions of at least $50 per month or a $250 initial investment.
What plan options are available for you?
A 529 Education savings Plan is a tax-advantaged way to invest for future education expenses. A 529 plan is a state-sponsored plan that offers investment accounts designed to encourage savings for a designated beneficiary’s future education expenses.
It's never too early—or too late—to save for your child's education. A USAA 529 Education Savings Plan allows you to maintain control while providing flexibility and potential tax-advantaged growth of your contributions.
Age Based (managed for you)
This plan starts off as a more aggressive investment strategy and becomes more conservative as you get closer to the time when you will spend your savings. This is a low maintanance option that can be ideal for younger beneficiaries.
Fixed Allocation (managed by you)
The fixed allocation option allows you to take a more active role in your investment. Select one or more portfolios based on the investment mix you desire. You can update your investment opportunities up to twice a year.
Other advantages from Victory Capital InVest
Ugift2
Invite family and friends to support your loved one’s savings goals through the Ugift program.
Bonus program
Boost your education savings with a valuable bonus when you transfer assets from another provider to your USAA 529 Education Savings Plan account.
Put your investments on autopilot with an AIP
Set up an Automatic Investment Plan (AIP) at a recurring amount of your choice and automatically contribute funds to your 529 plan account. You could reap benefits, like long-term compounding potential and easy maintenance.
Education savings resources
Watch these short videos to learn about 529 plans, their benefits and how they can be used to help you plan for future education expenses.
Interested in transferring your assets from other providers?
Victory Capital InVest makes it easy to consolidate your investments4, and you can enjoy flexibility, diversification and affordability in one place. Plus, you could earn a valuable bonus of up to $1,5005 when you transfer your assets to Victory Capital.
Why Victory Capital InVest?
Service
Every investor, regardless of investment size, is equally important to us and we’re here to guide you every step of the way. Call us today to talk with a live U.S.-based investment specialist and get guidance without the wait.
Expertise
You don't need previous experience to invest for your future. Victory Capital products are managed by our experienced investment professionals who are dedicated to managing your money so you can feel confident about your financial future.
Access
Save time and consolidate your investments on the Victory Capital InVest platform. Choose from Victory Capital mutual funds and ETFs along with individual stocks and investment products from other providers.
[{"groupName":"529 Plan name change","faqList":[{"faqnumber":1,"question":"What is changing?","answer":"\u003cp\u003eIn early Q2 2025, the USAA\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;529 Education Savings Plan will be renamed\u003ci\u003e\u0026nbsp;\u003c/i\u003eVictory Capital 529 Education Savings Plan. There will be no changes to the administrator, investment manager, investment options or underlying portfolios as a result of this rebrand, and there is no action required on the part of investors.\u003c/p\u003e\n"},{"faqnumber":2,"question":"Is there any action needed on the part of investors?","answer":"\u003cp\u003eNo. There is no action needed on the part of investors.\u003c/p\u003e\n"},{"faqnumber":3,"question":"Why did Victory Capital decide to rebrand the 529 Plan?","answer":"\u003cp\u003eVictory Capital licensed the brand from USAA in 2019 to facilitate a smooth transition and reduce investor confusion following Victory Capital’s acquisition of USAA Asset Management Company. Today, nearly six years later, investors know the Victory Capital brand through regular interaction with our contact center, use of our website and mobile app, and other recurring service and communication touchpoints. So, bringing the 529 Plan branding in line with Victory Capital’s broader product offerings is a natural and planned evolution.\u003c/p\u003e\n"},{"faqnumber":4,"question":"Will there be any changes to the 529 Plan\u0027s underlying investment portfolios, investment options, investment team managing the Plan or their respective investment processes?","answer":"\u003cp\u003eNo. There will be no changes to the 529 Plan’s underlying investment portfolios, investment options, investment team managing the Plan or their respective investment processes due to the change in the branding strategy.\u003c/p\u003e\n"},{"faqnumber":5,"question":"Will any Victory Capital products continue to use the USAA brand?","answer":"\u003cp\u003eNo. The name change of the 529 Plan marks the completion of the branding strategy to bring our products that formerly leveraged the USAA brand in line with the Victory Capital brand.\u003c/p\u003e\n"},{"faqnumber":6,"question":"Will the 529 Plan Program Management Fee decrease?","answer":"\u003cp\u003eEffective January 1, 2025, the Program Management Fee for your 529 Plan was lowered from 0.10% to 0.08% of the average daily Net Asset Value of Plan assets. Additionally, effective January 1, 2026, the Program Management Fee will be lowered to 0.07% of the average daily Net Asset Value of your Plan assets. The Program Management Fee covers State and Administrative Fees. As explained in the\u0026nbsp;\u003ca href\u003d\"https://www.vcm.com/assets/fund-docs/529/529_Plan_Description.pdf\" title\u003d\"Plan Description\" target\u003d\"_blank\"\u003ePlan Description\u003c/a\u003e, each Plan account also indirectly bears the expenses, such as investment advisory fees, of the mutual funds underlying each Portfolio.\u003c/p\u003e\n"}]}]
1Earnings on nonqualified withdrawals may be subject to federal income tax and a 10% federal penalty tax, as well as state and local income taxes. The availability of tax or other benefits may be contingent on meeting other requirements. State tax treatment of withdrawals used for i) expenses for tuition in connection with enrollment or attendance at an elementary or secondary public, private, or religious school, ii) expenses related to apprenticeship programs, or iii) student loan repayments is determined by the state(s) where the taxpayer files state income tax. Federal and state tax laws are subject to change, please consult with a tax advisor.
2A $15 minimum is required for Ugift® contributions.
3Upromise member must Verify the account Email Address and link an eligible 529 College Savings Plan to receive the $30.29 Bonus cash back rewards. Bonus is awarded as $5.29 for email verification and $25.00 for 529 account linking. Upromise member's cash back rewards account balance must meet the minimum transfer amount to be eligible for transferring cash back rewards into a linked 529 account. Bonus available for new Upromise members only.
Upromise is an optional program offered by Upromise, LLC, is separate from the USAA 529 Education Savings Plan, and is not affiliated with the State of Nevada. Terms and conditions apply to the Upromise program. Participating companies, contribution levels, and terms and conditions are subject to change at any time without notice. Transfers from Upromise to a USAA 529 Education Savings Plan account are subject to a $50 minimum.
Upromise and the Upromise logo are registered service marks of Upromise, LLC.
4529 plan asset transfers will require you to liquidate your current 529 plan investments prior to transferring the assets to Victory Capital. This liquidation may have tax consequences. Please consult your tax advisor for guidance on your specific situation.
There are limits on how often you can transfer 529 plan assets. Contact your current plan administrator for more details.
5The asset transfer bonus program is based on the dollar value of total eligible assets transferred from another provider to a Marketplace account and/or 529 Education Savings Plan account. Bonuses are awarded for eligible transfers of $10,000 to $1 million. Other restrictions apply.
All investing involves risk, including potential loss of principal.
Carefully consider the investment objectives, risks, charges and expenses of the USAA 529 Education Savings Plan (Plan) before investing. Visit www.vcm.com/prospectus for a Plan Description and Participation Agreement containing this and other important information about the Plan from Victory Capital Services, Inc. (VCS), Underwriter and Distributor. Read it carefully before investing. VCS and its affiliates are not affiliated with USAA. USAA and the USAA 529 Education Savings Plan logo are trademarks of United Services Automobile Association and are being used under license.
The Plan is sponsored by the state of Nevada, acting through the Trustees of the College Savings Plans of Nevada. Interests in the Plan are municipal fund securities issued by the Nevada College Savings Trust Fund. Anyone may invest in the Plan and use proceeds to attend school in any state. Before investing, consider whether any 529 plan offered by your home state or your beneficiary's home state offers state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that may not be available through the Plan. If you withdraw money from the Plan for something other than qualified education expenses, you will owe federal income tax and may face a 10% federal tax penalty on earnings as well as state and local taxes. Consult a tax advisor.
State tax treatment of withdrawals used for i) expenses for tuition in connection with enrollment or attendance at an elementary or secondary public, private or religious school, ii) expenses related to apprenticeship programs, or iii) student loan repayments is determined by the state(s) where the taxpayer files state income tax.
There is a $10 annual fee that may be waived once you invest at least $50 per month through automatic investments or reach an account balance of $1,000. Additionally, there is a fee up to 0.12% paid to the State of Nevada Board for sponsoring the plan.
Automatic investment plans don't assure a profit or protect against loss in declining markets.
Victory Funds and VictoryShares ETFs are distributed, and brokerage services provided, by Victory Capital Services, Inc.
Not FDIC Insured • May Lose Value • No Bank Guarantee
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