Investment Options - my529 (2024)

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Investment Options - my529 (2)

A diverse menu

my529 offers an array of investment options. Each option uses a different investment strategy. Choose the option that works best for you.

Target Enrollment Date

Target Enrollment Date

The Target Enrollment Date investment option consists of 12 Enrollment Date portfolios. Each two-year portfolio reallocates to a more conservative investment allocation each quarter. Use the slider below to see how allocations change every two years as your beneficiary ages closer to enrollment. You may select a portfolio closest to the year you anticipate the account beneficiary will begin taking withdrawals for qualified education expenses. If your risk tolerance is more aggressive or conservative, you may select a date further from the expected date of school enrollment (aggressive) or nearer to the expected date of school enrollment (conservative) to meet your needs.

Click on the chart below or drag the slider to explore the Target Enrollment Date portfolios.

Investment Options - my529 (3)Investment Options - my529 (4)

Report as of

Asset Allocations

Net Asset Value

Performance Summary

Summary Report as of

Latest MonthLatest Three monthsYear to Date1One YearAverage Annualized Return2Inception date3
Three YearFive YearTen YearSince Inception

The performance data shown above reflect past performance and are not anindication or guarantee of future results. Investment returns andprincipal value will fluctuate with market conditions. Investments, whensold, may be worth more or less than the original cost; in short, yourinvestment could lose value. Current performance may be lower or higherthan the performance data cited.

Investment returns take into account the underlying investmentperformance for each period, including applicable interest anddividends, and are net of fees. Individual account performance will varyrelative to the stated performance depending on the timing of buy andsell transactions within each account.

For the Target Enrollment Date investment option, the performancereflects changes in asset allocations over time relating to the targetyear the account beneficiary will begin withdrawing funds to pay forqualified education expenses.

Most recent month-end total returns may be found athttps://my529.org/performance-returns/.

Notes

  1. Year-to-date calculations are based on a calendar year; January 1 tothe current month-end date.
  2. Average annualized returns for investment options with an inceptiondate in the past 12 months are cumulative and non-annualized.
  3. The inception date is the first date that the investment optionwas offered and/or received a contribution.

Open an Account

12 Target Enrollment Date portfolios

  • Select a portfolio for when the beneficiary begins taking withdrawals.
  • Built from mix of:
    • Vanguard mutual funds.
    • PIMCO Interest Income Fund.
    • FDIC-insured accounts.
  • Based on preset quarterly investment allocation schedule.
  • Portfolios gradually shift to more conservative allocations.
  • Eventually end up in Enrolled portfolio.
  • Two option changes allowed per year.
  • View/download a PDF pie chart of the Target Enrollment Date portfolios.
Investment Options - my529 (5)

Static Options

Static Options

Static investment options remain in the stated allocations for the life of the account. However, you can request an option change and move your invested funds into another option. You can make only two option changes per calendar year. Click on the chart below or drag the slider to compare allocations.

AggressiveRisk LevelConservative

Report as of

Asset Allocations

Net Asset Value

      Performance Summary

      Summary Report as of

      Latest MonthLatest Three monthsYear to Date1One YearAverage Annualized Return2Inception date3
      Three YearFive YearTen YearSince Inception

      The performance data shown above reflect past performance and are not anindication or guarantee of future results. Investment returns andprincipal value will fluctuate with market conditions. Investments, whensold, may be worth more or less than the original cost; in short, yourinvestment could lose value. Current performance may be lower or higherthan the performance data cited.

      Investment returns take into account the underlying investmentperformance for each period, including applicable interest anddividends, and are net of fees. Individual account performance will varyrelative to the stated performance depending on the timing of buy andsell transactions within each account.

      For the Target Enrollment Date investment option, the performancereflects changes in asset allocations over time relating to the targetyear the account beneficiary will begin withdrawing funds to pay forqualified education expenses.

      Most recent month-end total returns may be found athttps://my529.org/performance-returns/.

      Notes

      1. Year-to-date calculations are based on a calendar year; January 1 tothe current month-end date.
      2. Average annualized returns for investment options with an inceptiondate in the past 12 months are cumulative and non-annualized.
      3. The inception date is the first date that the investment optionwas offered and/or received a contribution.

      Open an Account

      Customized AGE-BASEd

      Customized Age-based

      The Customized Age-Based investment option allows you to determine and create your own investment allocation using any combination of the available my529 single-fund portfolios for each of 10 age brackets.

      You determine and customize the investment allocation for each of 10 age brackets: 0-3, 4-6, 7-9, 10-12, 13-14, 15, 16, 17, 18, 19+. Money in the account will be rebalanced annually on your beneficiary’s birthday to bring the underlying investments back to the target allocation that you chose when you created this option.

      Money invested in the Customized Age-Based option automatically reallocates to the new investment allocation that you have chosen when your beneficiary ages to the next bracket.

      Consult your financial advisor before investing. If you do not fully understand the decisions you are making by selecting either customized investment option, you should consider whether this option is an appropriate choice.

      Open an Account

      CUSTOMIZED Static

      Customized Static

      The Customized Static investment option allows you to determine and create your own investment allocation using any combination of the available underlying funds.

      This option will not change as your beneficiary ages, unless you request an investment option change. Money in the account will be rebalanced annually on your beneficiary’s birthday to bring the underlying investments back to the target allocation that you chose when you created this option.

      Consult your financial advisor before investing. If you do not fully understand the decisions you are making by selecting either customized investment option, you should consider whether this option is an appropriate choice.

      Open an Account

      About underlying investments

      Depending on which investment option you select for your account, my529 pools your investment in a combination of Vanguard Group and Dimensional Fund Advisors mutual funds, the PIMCO Interest Income Fund, or the FDIC-insured accounts held in trust at Sallie Mae Bank and U.S. Bank. Collectively, these funds and accounts are referred to as underlying investments. Learn more about our underlying investments.

      The my529 account owner owns units of the investment option issued by the my529 Trust. The my529 account owner does not own shares of any underlying investment.

      Allocation tables for my529 investment options

      For a side-by-side comparison of our options, please review the underlying fund allocations for all of my529’s Enrollment Date portfolios and Static investment options. You can also view the funds available for the Customized options.

      Investment Allocation Tables (PDF)

      Investment Options - my529 (6)
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      • Phone: 800.418.2551
      • Fax: 800.214.2956
      • Email: info@my529.org

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      Important Legal Notice

      Investing is an important decision. The investments in your account may vary with market conditions and could lose value. Carefully read the Program Description in its entirety for more information and consider all investment objectives, risks, charges and expenses before investing. For a copy of the Program Description, call 800.418.2551 or visit my529.org.

      Account Value. Investments in my529 are not insured or guaranteed by my529, the Utah Board of Higher Education, the Utah Education Savings Board of Trustees, any other state or federal agency, or any third party. However, Federal Deposit Insurance Corporation (FDIC) insurance is provided for the FDIC-Insured investment option. In addition, my529 offers investment options that are partially insured for the portion of the respective investment option that that includes FDIC-insured accounts as an underlying investments. Units in my529 have not been registered with the United States Securities and Exchange Commission or with any state securities commission.

      FDIC insurance is subject to limits set by federal law. Click here for more information about FDIC Insurance.

      Non-Utah Taxpayers and Residents. The state in which you or your beneficiary pay taxes or live may offer a 529 plan that provides state tax or other benefits, such as financial aid, scholarship funds, and protection from creditors, not otherwise available to you by investing in my529. You should consider such benefits, if any, before investing in my529.

      Consult an advisor. my529 does not provide legal, financial, investment, or tax advice, and the information provided on this website does not contain advice and cannot be construed as such or relied upon for those purposes. You should consult your own tax or legal advisor to determine the effect of federal and state tax laws on your particular situation.

      Morningstar rating. A Morningstar Analyst Rating for a 529 college savings plan is not a credit or risk rating. Analyst ratings are subjective in nature and should not be used as the sole basis for investment decisions. Morningstar does not represent its analyst ratings to be guarantees. Please visit Morningstar.com for more information about the analyst ratings, as well as other Morningstar ratings and fund rankings.

      my529 does not pay commissions, loads or sales charges to financial advisors nor does it endorse financial advisors.

      Information on this website is believed to be accurate when posted and is qualified in its entirety by the Program Description.

      Investment Options - my529 (7)

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      Investment Options - my529 (2024)

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