Thanks for the comments and observations. The TD Waterhouse College Savings Plan was launched in early January of this year (2002). The College Savings Plan of Nebraska was launched in January 2001.
Separate portfolios were established this year for the TD Waterhouse Plan with a different fee structure. In the first 6-12 months of operation, the portfolios may experience slightly different returns based on the size of the portfolios. With new portfolios that have a smaller asset base the cash flows each day can have an impact. That has been the case to-date.
Once the TD Waterhouse portfolios have been operational for a year the performance should track the same as the Nebraska portfolios, with the only difference being the fee differential.
The portfolios utilize the same investment funds, same asset allocations, and same rebalancing methods.