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Investment Options

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I want to accelerate my plan savings. Password Show. Forgot your password? LOG IN. Enter your email address to begin the reset password process. Enter your e-mail address to begin the reset password process. Which plan investment options should I choose? Find your plan - Select your state below Did you know that residents are not limited to investing in their own state's plan? Find a Plan. Select your state below. Grandparent FAQs How to pick plan if future college is unknown What happens to plan money if child does not go to college?

Can I withdraw money from a plan for unplanned emergencies? Should I set up a separate plan for each child? Can a grandparent contribute to a parent-owned plan? Because of these things, you may consider different investment options depending on when you plan to use the money that is invested.

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State governments do not guarantee investments in education savings plans. Education savings plan investments in mutual funds and ETFs are not federally guaranteed, but investments in some principal-protected bank products may be insured by the FDIC. As with most investments, investments in education savings plans may not make any money and could lose some or all of the money invested. What fees and expenses will I pay if I invest in a plan? It is important to understand the fees and expenses associated with plans because they lower your returns.

Fees and expenses will vary based on the type of plan education savings plan or prepaid tuition plan , whether it is a broker- or direct-sold plan, the plan itself and the underlying investments.

Multi-Fund Investment Options : Minnesota College Savings Plan

Some of these fees are collected by the state sponsor of the plan and some are collected by the plan manager. The asset management fees will depend on the investment option you select. Investors that purchase an education savings plan from a broker are typically subject to additional fees, such as sales loads or charges at the time of investment or redemption and ongoing distribution fees.

Fee Saving Tips. Many states offer direct-sold education savings plans in which savers can invest without paying additional broker-charged fees. In addition, some education savings plans will waive or reduce the administrative or maintenance fees if you maintain a large account balance, participate in an automatic contribution plan, or are a resident of the state sponsoring the plan.

Some plans also offer fee waivers if the saver accepts electronic-only delivery of documents or enrolls online. How does investing in a plan affect federal and state income taxes?

What’s inside your 529 stock portfolios?

Investing in a plan may offer savers special tax benefits. These benefits vary depending on the state and the plan. In addition, state and federal laws that affect plans could change. You should make sure you understand the tax implications of investing in a plan and consider whether to consult a tax adviser. Many states offer tax benefits for contributions to a plan. These benefits may include deducting contributions from state income tax or matching grants but may have various restrictions or requirements.

In addition, savers may only be eligible for these benefits if you invest in a plan sponsored by your state of residence. If you use account withdrawals for qualified higher education expenses or tuition for elementary or secondary schools, earnings in the account are not subject to federal income tax and, in many cases, state income tax.

One of the benefits of plans is the tax-free earnings that grow over a period of time. Fixed-income, stable value, and FDIC-insured allocations increase as the beneficiary ages.

Total US Stock Market. This option aims to match the investment return of the overall U. This option aims to follow the investment performance of the U. This option aims for growth through a higher allocation to stocks and is intended for investors with a higher tolerance for risk. Higher levels of stock investment can result in increased account balance volatility. This option aims for growth through a higher allocation to stocks while keeping 40 percent invested in fixed income and principal preservation funds in order to help decrease the impact that stock market volatility can have on account balances.

This option aims to provide income through a higher allocation to bonds and capital preservation funds while also seeking some growth from stock investments. This option aims to provide income through a higher allocation to bonds and capital preservation funds while also allowing for some limited growth from stock investments. Fixed Income.

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