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Portfolio Price and Performance

IDeal has no commissions, loads, or sales charges. The total annual asset based fee is 0.36% ($3.60 per $1,000 invested), and there is a $20 annual account fee if neither the account owner nor the beneficiary is an Idaho resident. The fee for the Savings Portfolio is 0.34%.

Detailed performance and expense ratio information is available by clicking the portfolio names below.

To view quarter-end returns, click here.

Portfolio Price and Performance
Name Unit value as of 09/17/2025 YTD as of
09/17/2025 		Average annual total
returns as of 08/31/2025 		Inception date
Unit value Change APY 1 year 3 year 5 year 10 year Since inception**
Name Target Enrollment 2042/2043 Unit value as of 09/17/2025 $13.96 Change ($) -$0.02 Change (%) -0.14% APY as of 09/17/2025 — YTD returns as of 09/17/2025 17.02% 1 year returns as of 08/31/2025 14.94% 3 year average annual returns as of 08/31/2025 — 5 year average annual returns as of 08/31/2025 — 10 year average annual returns as of 08/31/2025 — Since inception average annual returns as of 08/31/2025** 19.57% Inception date 12/08/2023
Name Target Enrollment 2040/2041 Unit value as of 09/17/2025 $14.85 Change ($) -$0.02 Change (%) -0.13% APY as of 09/17/2025 — YTD returns as of 09/17/2025 16.56% 1 year returns as of 08/31/2025 14.53% 3 year average annual returns as of 08/31/2025 16.29% 5 year average annual returns as of 08/31/2025 — 10 year average annual returns as of 08/31/2025 — Since inception average annual returns as of 08/31/2025** 11.62% Inception date 04/14/2022
Name Target Enrollment 2038/2039 Unit value as of 09/17/2025 $14.48 Change ($) -$0.02 Change (%) -0.14% APY as of 09/17/2025 — YTD returns as of 09/17/2025 15.56% 1 year returns as of 08/31/2025 13.47% 3 year average annual returns as of 08/31/2025 15.31% 5 year average annual returns as of 08/31/2025 — 10 year average annual returns as of 08/31/2025 — Since inception average annual returns as of 08/31/2025** 10.81% Inception date 04/14/2022
Name Target Enrollment 2036/2037 Unit value as of 09/17/2025 $14.03 Change ($) -$0.02 Change (%) -0.14% APY as of 09/17/2025 — YTD returns as of 09/17/2025 14.07% 1 year returns as of 08/31/2025 11.90% 3 year average annual returns as of 08/31/2025 13.91% 5 year average annual returns as of 08/31/2025 — 10 year average annual returns as of 08/31/2025 — Since inception average annual returns as of 08/31/2025** 9.83% Inception date 04/14/2022
Name Target Enrollment 2034/2035 Unit value as of 09/17/2025 $13.50 Change ($) -$0.02 Change (%) -0.15% APY as of 09/17/2025 — YTD returns as of 09/17/2025 12.59% 1 year returns as of 08/31/2025 10.61% 3 year average annual returns as of 08/31/2025 12.29% 5 year average annual returns as of 08/31/2025 — 10 year average annual returns as of 08/31/2025 — Since inception average annual returns as of 08/31/2025** 8.66% Inception date 04/14/2022
Name Target Enrollment 2032/2033 Unit value as of 09/17/2025 $13.07 Change ($) -$0.02 Change (%) -0.15% APY as of 09/17/2025 — YTD returns as of 09/17/2025 11.61% 1 year returns as of 08/31/2025 9.56% 3 year average annual returns as of 08/31/2025 10.89% 5 year average annual returns as of 08/31/2025 — 10 year average annual returns as of 08/31/2025 — Since inception average annual returns as of 08/31/2025** 7.65% Inception date 04/14/2022
Name Target Enrollment 2030/2031 Unit value as of 09/17/2025 $12.65 Change ($) -$0.02 Change (%) -0.16% APY as of 09/17/2025 — YTD returns as of 09/17/2025 9.81% 1 year returns as of 08/31/2025 8.07% 3 year average annual returns as of 08/31/2025 9.58% 5 year average annual returns as of 08/31/2025 — 10 year average annual returns as of 08/31/2025 — Since inception average annual returns as of 08/31/2025** 6.72% Inception date 04/14/2022
Name Target Enrollment 2028/2029 Unit value as of 09/17/2025 $11.98 Change ($) -$0.01 Change (%) -0.08% APY as of 09/17/2025 — YTD returns as of 09/17/2025 7.93% 1 year returns as of 08/31/2025 6.39% 3 year average annual returns as of 08/31/2025 7.44% 5 year average annual returns as of 08/31/2025 — 10 year average annual returns as of 08/31/2025 — Since inception average annual returns as of 08/31/2025** 5.07% Inception date 04/14/2022
Name Target Enrollment 2026/2027 Unit value as of 09/17/2025 $11.66 Change ($) -$0.01 Change (%) -0.09% APY as of 09/17/2025 — YTD returns as of 09/17/2025 6.68% 1 year returns as of 08/31/2025 5.59% 3 year average annual returns as of 08/31/2025 6.08% 5 year average annual returns as of 08/31/2025 — 10 year average annual returns as of 08/31/2025 — Since inception average annual returns as of 08/31/2025** 4.30% Inception date 04/14/2022
Name Target Enrollment 2024/2025 Unit value as of 09/17/2025 $11.52 Change ($) $0.00 Change (%) 0.00% APY as of 09/17/2025 — YTD returns as of 09/17/2025 5.79% 1 year returns as of 08/31/2025 5.16% 3 year average annual returns as of 08/31/2025 5.41% 5 year average annual returns as of 08/31/2025 — 10 year average annual returns as of 08/31/2025 — Since inception average annual returns as of 08/31/2025** 4.01% Inception date 04/14/2022
Name Target Enrollment 2022/2023 Unit value as of 09/17/2025 $11.39 Change ($) -$0.01 Change (%) -0.09% APY as of 09/17/2025 — YTD returns as of 09/17/2025 4.88% 1 year returns as of 08/31/2025 4.63% 3 year average annual returns as of 08/31/2025 4.89% 5 year average annual returns as of 08/31/2025 — 10 year average annual returns as of 08/31/2025 — Since inception average annual returns as of 08/31/2025** 3.71% Inception date 04/14/2022
Name Commencement Portfolio Unit value as of 09/17/2025 $11.43 Change ($) $0.00 Change (%) 0.00% APY as of 09/17/2025 — YTD returns as of 09/17/2025 4.96% 1 year returns as of 08/31/2025 4.70% 3 year average annual returns as of 08/31/2025 4.70% 5 year average annual returns as of 08/31/2025 — 10 year average annual returns as of 08/31/2025 — Since inception average annual returns as of 08/31/2025** 3.82% Inception date 04/14/2022
Name Aggressive Growth Portfolio Unit value as of 09/17/2025 $37.95 Change ($) -$0.06 Change (%) -0.16% APY as of 09/17/2025 — YTD returns as of 09/17/2025 17.86% 1 year returns as of 08/31/2025 15.63% 3 year average annual returns as of 08/31/2025 17.11% 5 year average annual returns as of 08/31/2025 11.82% 10 year average annual returns as of 08/31/2025 11.03% Since inception average annual returns as of 08/31/2025** 7.66% Inception date 12/07/2007
Name Growth Portfolio Unit value as of 09/17/2025 $31.86 Change ($) -$0.04 Change (%) -0.13% APY as of 09/17/2025 — YTD returns as of 09/17/2025 14.73% 1 year returns as of 08/31/2025 12.61% 3 year average annual returns as of 08/31/2025 13.57% 5 year average annual returns as of 08/31/2025 8.72% 10 year average annual returns as of 08/31/2025 8.77% Since inception average annual returns as of 08/31/2025** 6.62% Inception date 12/07/2007
Name Moderate Growth Portfolio Unit value as of 09/17/2025 $26.01 Change ($) -$0.04 Change (%) -0.15% APY as of 09/17/2025 — YTD returns as of 09/17/2025 11.58% 1 year returns as of 08/31/2025 9.52% 3 year average annual returns as of 08/31/2025 10.09% 5 year average annual returns as of 08/31/2025 5.60% 10 year average annual returns as of 08/31/2025 6.43% Since inception average annual returns as of 08/31/2025** 5.43% Inception date 12/07/2007
Name Conservative Growth Portfolio Unit value as of 09/17/2025 $20.40 Change ($) -$0.03 Change (%) -0.15% APY as of 09/17/2025 — YTD returns as of 09/17/2025 8.51% 1 year returns as of 08/31/2025 6.46% 3 year average annual returns as of 08/31/2025 6.56% 5 year average annual returns as of 08/31/2025 2.42% 10 year average annual returns as of 08/31/2025 3.97% Since inception average annual returns as of 08/31/2025** 4.02% Inception date 12/07/2007
Name Income Portfolio Unit value as of 09/17/2025 $14.68 Change ($) -$0.01 Change (%) -0.07% APY as of 09/17/2025 — YTD returns as of 09/17/2025 4.26% 1 year returns as of 08/31/2025 3.70% 3 year average annual returns as of 08/31/2025 3.26% 5 year average annual returns as of 08/31/2025 0.77% 10 year average annual returns as of 08/31/2025 1.78% Since inception average annual returns as of 08/31/2025** 2.15% Inception date 12/07/2007
Name Interest Accumulation Portfolio Unit value as of 09/17/2025 $11.87 Change ($) $0.00 Change (%) 0.00% APY as of 09/17/2025 — YTD returns as of 09/17/2025 2.42% 1 year returns as of 08/31/2025 3.31% 3 year average annual returns as of 08/31/2025 3.08% 5 year average annual returns as of 08/31/2025 2.31% 10 year average annual returns as of 08/31/2025 — Since inception average annual returns as of 08/31/2025** 1.84% Inception date 05/13/2016
Name Savings Portfolio Unit value as of 09/17/2025 $12.14 Change ($) $0.00 Change (%) 0.00% APY as of 09/17/2025 3.56% 1 YTD returns as of 09/17/2025 2.53% 1 year returns as of 08/31/2025 3.68% 3 year average annual returns as of 08/31/2025 3.76% 5 year average annual returns as of 08/31/2025 2.35% 10 year average annual returns as of 08/31/2025 1.72% Since inception average annual returns as of 08/31/2025** 1.41% Inception date 11/30/2011

The performance data shown represents past performance. Past performance - especially short-term past performance - is not a guarantee of future results. Investment returns and principal value will fluctuate, so investors' units, when sold, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data cited. For performance data current to the most recent quarter-end, click here.

You could lose money by investing in a portfolio which includes the Vanguard Short-Term Reserves Account which in turn invests in the Vanguard Federal Money Market Fund. Although the money market fund in which your investment option invests (the "underlying fund") seeks to preserve its value at $1.00 per share, the underlying fund cannot guarantee it will do so. An investment in this investment option is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The underlying fund's sponsor has no legal obligation to provide financial support to the underlying fund, and you should not expect that the sponsor will provide financial support to the underlying fund at any time.

The Savings Portfolio invests all of its assets in the Sallie Mae High-Yield Savings Account, ("HYSA"). The HYSA is held in an omnibus savings account insured by the Federal Deposit Insurance Corporation ("FDIC"), which is held in trust by the Idaho College Savings Trust ("Trust") at Sallie Mae Bank. Contributions to and earnings on the investments in the Savings Portfolio are insured by the FDIC on a pass-through basis to each account owner up to $250,000, the maximum amount set by federal law. The amount of FDIC insurance provided to an account owner is based on the total of (a) the value of an account owner's investment in the Savings Portfolio; and (b) the value of all other accounts held by the account owner at Sallie Mae Bank, as determined by Sallie Mae Bank and FDIC regulations. Except for the Savings Portfolio, investments in IDeal – Idaho College Savings Program are not insured by FDIC.

1 Interest on the High Yield Savings Account (HYSA) will be compounded daily based on the actual number of days in a year (typically, 365/365 and 366/366 in leap years) and will be credited to the HYSA on a monthly basis. The interest rate is expressed as an Annual Percentage Yield ("APY"). The HYSA APY will be reviewed by Sallie Mae Bank on a periodic basis and may be recalculated as needed at any time.

** Since Inception returns for less than one year are not annualized.

For more information about the Idaho College Savings Program ("IDeal"), call 866-433-2533 or click here to obtain a Disclosure Statement. The Disclosure Statement discusses investment objectives, risks, charges, expenses, and other important information. Because investing in IDeal is an important decision for you and your family, you should read and consider the Disclosure Statement carefully before investing. Ascensus Broker Dealer Services, Inc. ("ABD") is Distributor of IDeal.

Please Note: Before you invest, consider whether your or the beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in that state's qualified tuition program. You should also consult your financial, tax, or other advisor to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. You also may wish to contact directly your home state's 529 college savings plan(s), or any other 529 plan, to learn more about those plans' features, benefits, and limitations. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision.

IDeal is administered by the Idaho College Savings Program Board ("Board"). ABD, the program manager, and its affiliates, have overall responsibility for the day-to-day operations, including investment advisory, recordkeeping and administrative services, and marketing. The Vanguard Group, Inc. ("Vanguard") serves as Investment Manager for IDeal. Sallie Mae Bank serves as the Savings Portfolio Manager for IDeal. IDeal's Portfolios invest in either: (i) mutual funds and a separate account offered or managed by Vanguard; or (ii) an FDIC-insured omnibus savings account held in trust by the Board at Sallie Mae Bank. Except for the Savings Portfolio, investments in IDeal are not insured by the FDIC. Units of the Portfolios are municipal securities and the value of units will vary with market conditions.

Investment returns will vary depending upon the performance of the Portfolios you choose. Except to the extent of FDIC insurance available for the Savings Portfolio, you could lose all or a portion of your money by investing in IDeal, depending on market conditions. Account Owners assume all investment risks as well as responsibility for any federal and state tax consequences.

Not FDIC-Insured (except for the Savings Portfolio). No Bank, State or Federal Guarantee. May Lose Value.