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October 16, 2006


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I can't see how the Iowa plan is better than the New York Direct plan (which I have). Both offer Vanguard funds. It looks like Iowa offers more fund options but sometimes more options isn't always better. New York's plan has slightly lower Managment Fees (0.55% vs. 0.62%) which is important to me. I don't live in New York anymore but have not found a good reason to move my plan to my current state (Minnesota) or any other state because I feel the New York plan is great. I also like their website for those who do everything online. The New York plan also allows you to link your UPromise savings ... I don't think all plans offer this.


Tim --

Looking at, they have the NY and Iowa plans rated the same (4 1/2 stars) for in-state savers and Iowa a bit better (4 stars to 3 1/2 stars) for out-of-state savers. You'll need to dig a bit deeper to find out why -- I'm sure they cover it, I just couldn't find it tonight.

I opened a Upromise account to take advantage of my upromise account balance. They also offer Vanguard investment funds which have some of the lowest costs in the biz. I really like what they have to offer.

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