College Date Portfolios

 

College Date Portfolios are designed to make investing as easy as selecting the year in which the beneficiary is expected to start college. With a College Date investment option, the portfolio's investment track is automatically adjusted from more aggressive to more conservative as your beneficiary grows older (and closer to the selected college date year). Each Portfolio is powered by SPDR ETFs and features global diversification, tactical asset allocation, and utilization of passive exchange traded funds.1

 

  • Designed to make investing as easy as selecting the year in which the beneficiary is expected to start college
  • Over 10 asset classes selected for broad diversification
  • Implementation through ETFs for target exposure
  • Quarterly rebalance for smooth transition between asset classes to mitigate risk
  • Aged-based portfolio's glide path de-risks as college matriculation approaches
  • No allocations to global equities and REITs starting at the period 3 years prior to college matriculation
  • Short duration to mitigate interest rate risk 3 years prior to college and during college years to protect against downside risk

 

SSGA College 2033 Portfolio
SSGA College 2030 Portfolio
SSGA College 2027 Portfolio
SSGA College 2024 Portfolio
SSGA College 2021 Portfolio
SSGA College 2018 Portfolio
SSGA College Today Portfolio

 

SSGA_529_CollegeDatePortfolioChart_Web_0916_FINAL.JPG

 

An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or another governmental agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.

Investment returns are not guaranteed, and you could lose money by investing in the SSGA Upromise 529. Investments in bonds are subject to interest rate, credit, and inflation risk.

Asset Allocation is a method of diversification which positions assets among major investment categories. Asset Allocation may be used in an effort to manage risk and enhance returns. It does not, however, guarantee a profit or protect against loss.

Diversification does not ensure a profit or guarantee against loss.

Note: Under the federal tax rules governing all 529 plans, you may reallocate your investment twice per calendar year or when you change the beneficiary on an account to a qualifying member of the family without incurring federal income tax or penalties. You may change how your future contributions are allocated at any time.


1Although they invest in ETFs and/or mutual funds, the SSGA Upromise 529 Plan Portfolios are not ETFs or mutual funds themselves. An account owner will own units of the portfolio, which are municipal securities, not shares of the ETFs or mutual funds.

 

 

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For more information about the SSGA Upromise 529 Plan ("the Plan") download the Plan Description and Participation Agreement or request one by calling 1-800-587-7305. Investment objectives, risks, charges, expenses, and other important information are included in the Plan Description and Participation Agreement; read and consider it carefully before investing.

Please Note: Before investing in any 529 plan, you should consider whether your or the beneficiary's home state offers a 529 plan that provides its taxpayers with favorable state tax and other benefits that are only available through investment in the home state's 529 plan. You also should 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 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.

The Plan is administered by the Board of Trustees of the College Savings Plans of Nevada (the "Board"), chaired by the Nevada State Treasurer. Ascensus Broker Dealer Services, Inc. (“ABD”) serves as the Program Manager. ABD has overall responsibility for the day-to-day operations, including distribution of the Plan and provision of certain marketing services. State Street Global Advisors (“SSGA”) serves as Investment Manager for the Plan except for the Savings Portfolio, which is managed by Sallie Mae Bank, and also provides or arranges for certain marketing services for the Plan. The Plan's Portfolios invest in either (i) Exchange Traded Funds and mutual funds offered or managed by SSGA or its affiliates; or (ii) a Federal Deposit Insurance Corporation (FDIC)-insured omnibus savings account held in trust by the Board at Sallie Mae Bank. Except for the Savings Portfolio, investments in the Plan 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 the Plan, depending on market conditions. Account Owners assume all investment risks as well as responsibility for any federal and state tax consequences.

Upromise is an optional service offered by Upromise, Inc., is separate from the SSGA Upromise 529 Plan, and is not affiliated with the State of Nevada or ABD. Separate terms and conditions apply to the Upromise service and are available on the Upromise website at www.upromise.com. Participating companies, contribution levels, and terms and conditions are subject to change at any time without notice. Transfers from Upromise to an SSGA Upromise 529 Plan account are subject to a $25 minimum.

Standard & Poor's®, S&P® and SPDR® are registered trademarks of Standard & Poor's Financial Services LLC (S&P); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones); and these trademarks have been licensed for use by S&P Dow Jones Indices LLC (SPDJI) and sublicensed for certain purposes by State Street Corporation. State Street Corporation’s financial products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and third party licensors and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability in relation thereto, including for any errors, omissions, or interruptions of any index.


Upromise and the Upromise logo are registered service marks of Upromise, Inc. Ugift is a registered service mark of ABD. State Street Global Advisors and SSGA are registered trademarks of State Street Corporation. All other marks are the exclusive property of their respective owners. Used with permission.