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Stable Value Plus Plan Details
Here’s why the CollegeInvest Stable Value Plus 529 College Savings Plan is one of the best available.
| Online Account Summary | You can manage your college savings account online using the LOGIN features of the website. You can also access and download available account maintenance forms. |
| Low Fees | Enrollment is free! Your only cost is an annual management fee not to exceed 0.99%1. |
| Low Minimum Investment | You can start with as little as $25 and contribute whenever you want. |
| Multiple Contribution Methods | You can contribute by automatic investment, by check, or rolling assets from other college savings programs. |
| Guarantee on Investment | Investments and the minimum rate of return of 2% in the Stable Value Plus 529 plan are guaranteed by MetLife Insurance Company. That means that no matter how the market performs, you are always guaranteed a minimum net rate of return of 2%, prior to any fees or charges. |
| High Account Maximum | You can contribute on behalf of a beneficiary until the total balance of all CollegeInvest 529 plan accounts held for the same beneficiary reaches the aggregate maximum balance, currently $280,000. This includes all accounts held for the same beneficiary in any of the CollegeInvest 529 College Savings Plans. |
| Additional Tax Benefits | Colorado residents who make contributions to any CollegeInvest 529 plan, are eligible for dollar-for-dollar deductions to their Colorado income taxes.2 Earnings grow tax-free to the account owner if all withdrawals are used to pay for eligible higher education expenses. |
| Current Rate of Return | Effective September 1, 2011 the current 2011 rate of return is 2.84% per year net of all fees.3 As of January 1, 2012 this rate will become 3.04%. |
1 CollegeInvest may charge an administrative fee at an annual rate of up to 0.99% of the average daily net assets in each Account. Commencing September 1, 2011, CollegeInvest is electing to waive 0.28% of its 0.99% administrative fee. While such waiver continues in effect, CollegeInvest will receive an administrative fee at an annual rate of 0.71% of the average daily net assets in each Account. CollegeInvest will periodically re-evaluate such 0.71% administrative fee level, and, at any time, may determine to either lower such fee level or increase it to an amount that is no greater than 0.99%. CollegeInvest will notify Account Owners of any decision to change the 0.71% administrative fee level.
2 Contributions to the Plan(s) are deductible from Colorado State income tax in the tax year of the contribution , up to your Colorado taxable income for that year. Such deductions are subject to recapture in subsequent years in which non-qualified withdrawals are made.
3 Effective September 1, 2011, the current 2011 rate of return is 2.84% per year net of all fees. The rate of return is reset each year by MetLife and will not go below a minimum of 2%. The minimum rate of return of 2% is prior to any fees or charges payable to CollegeInvest, including an annual administrative fee not to exceed 0.99%
Important Considerations
Official Statement
Please read the applicable Plan Disclosure Statements carefully before investing. They explain certain risks, fees, limitations, restrictions and qualifications regarding the Plans’ benefits and potential tax advantages. Plan Disclosure Statements can be found at www.collegeinvest.org. Investments in CollegeInvest Plans are not guaranteed by the state of Colorado or any other governmental entity, and may lose value, including principal amount invested. Administered and issued by CollegeInvest.
Home State
If you or your designated beneficiary are a resident of a state other than Colorado, before investing you should check with your home state to see if it offers a 529 program. That program may offer state tax or other benefits to residents of that state that may not be available to investors in programs of other states.
Capacity of Dealer and Other Parties
CollegeInvest is the issuer of plan securities and is the trustee of the plans in accordance with Colorado law. CollegeInvest also oversees the Manager
's activities and provides certain administrative services, such a marketing, audit, and financial statements, in connection with the plans.
MetLife Insurance Company
MetLife Insurance Company serves as the Investment Manager
for the CollegeInvest Stable Value Plus College Savings Plan.
CollegeInvest and the CollegeInvest logo are registered trademarks.
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