Your personal rate of return
my529 provides a new measure for account performance
Now available to my529 account owners—your account’s personal rate of return.
The personal rate of return (also known as a dollar-weighted rate of return) represents an account’s individual performance as calculated by my529. It measures the performance of the account (including dividends, interest and fees), and it considers the impact of the size of contributions and withdrawals over the date range being evaluated. Market fluctuations are also included.
Withdrawals are not treated as a decline in a return, but they will decrease the account’s principal for the return calculation. Account performance is calculated every business day for each account.
The personal rate of return differs from the monthly performance returns published on my529.org in that the monthly performance returns are normalized and do not reflect individual account transactions but are a measure of market activity of the underlying funds that make up my529’s 13 investment options.
Account owners can view their personal rate of return through Account Access. The rate of return is automatically calculated for year-to-date, but account owners can adjust the date range as far back as January 1, 2005, or account opening, whichever is the later date.
The personal rate of return should not be used to make investment decisions. The personal rate of return is provided by my529 as a courtesy for informational purposes only with respect to the unique transaction activity that occurred within an account. You should consider other factors like your time horizon, risk tolerance, investment objectives, personal financial situation and tax implications before making changes to your investment options. Past performance is not a guarantee of future performance.
An FAQ about the Personal Rate of Return is available in Account Access.