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Start small. Dream big.
COLLEGE SAVINGS
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The SSgA Upromise 529 Plan
Makes college savings easy and affordable
• Convenient, low-fee plan
• Tax-advantaged investing
1
• Flexible choices
• Quick and simple enrollment
• Extra savings with Ugift
®
and Upromise
®
rewards, two services that can help you save even more
1
The availability of tax or other benefits may be contingent on meeting certain requirements.
The SSgA Upromise
529 Plan can help you
be ready when they are
We all want the best possible future for our children. A college education is a big part of that. The SSgA
Upromise 529 Plan was created to help you strategically save for college, step by careful step.
It’s a convenient, commonsense path that features:
• A variety of investment options managed by State Street Global Advisors (SSgA), one of
America’s well-known investment firms
• Significant tax benefits
1
• Ugift
®
and Upromise
®
rewards, two programs that can help your account grow even faster
We look forward to helping you fuel the kind of future the children in your life deserve.
Sincerely,
SSgA Upromise 529 Plan
Unique benefits for Nevada residents.
We want to help all Nevada families save for college.
That’s why the SSgA Upromise 529 and the state
of Nevada are offering special programs with more
ways to save – for Nevada residents only.
• No annual fee
• Silver State Matching Grant Program
• Nevada College Kick Start Program
Visit nevadas529.com to learn more about these
unique benefits.
529 plans help you save money that can be used at most post-secondary schools across the country. Not
just at two- and four-year colleges, but at eligible trade/technical institutes and graduate schools, as well.
While it may seem like a lifetime away right now, college, like so many other things in life, has a way
of sneaking up on you. And, suffice it to say, paying for it will be a whole lot easier if you can plan
ahead. Step by step, dollar by dollar, you can accumulate the funds that can help turn college dreams
into college realities.
A little planning today can make all the difference tomorrow. The SSgA Upromise 529 is a tax-advantaged
investment plan that can help you build an account to help meet the rising cost of college.
529 plans deliver
for college savings
Assumptions: $2,500 initial investment with subsequent monthly investments of $100 for a period of 18 years; annual rate of return
on investment of 5 percent and no withdrawals made during the time period specified; taxpayer is in the 30 percent federal income
tax bracket for all options at the time of contributions and distribution. This hypothetical is for illustrative purposes only. It does not
reflect an actual investment in any particular 529 plan or any taxes or penalties payable upon nonqualified distribution.
0
$10,000
$20,000
$30,000
$40,000
$50,000
Tax-Deferred Amount: $41,058Taxable Amount: $34,720
1
YEAR
6 12 18
Tax advantages can make your dollars
work harder.
Year after year, the unique tax advantages of 529 plans can
help your child go further on the path to a college education.
2
Earnings on nonqualified withdrawals are subject to federal income tax and may be subject to a 10 percent federal penalty tax, as well as state and local
income taxes. Availability of tax and other benefits may be contingent on meeting other requirements.
Advantages of a 529 plan:
• Tax-deferred investment growth &
withdrawals that are free from federal taxes
when used for qualified higher education
expenses
2
• Professional investment management
• Account-owner control over how the assets
are utilized
• Gift- and estate-tax benefits
• The peace of mind of knowing you’re helping
your child prepare for a successful future
• Affordable, low-cost investment options
• Easy access with online enrollment and
account management
Different investors have different needs. That’s why the SSgA Upromise 529 gives you the flexibility
of four investment strategies, which include college date, risk-based, static portfolios, and a savings
option, tailored to meet your goals and preferences.
Flexible investment strategies
to suit your needs
College Date Portfolios
These portfolios help make investing as easy as selecting the year in which the beneficiary is expected
to start college. The portfolio’s investment track is automatically adjusted from aggressive to more
conservative as your beneficiary grows older and his or her expected start date draws closer. This is
designed to provide more stability when your child needs to use the funds.
Years To College
18 15 12 9 6 3 In College
0
20
40
60
80
100
College
2018
Portfolio
College
2021
Portfolio
College
2024
Portfolio
College
2027
Portfolio
College
2030
Portfolio
College
2015
Portfolio
College
Today
Portfolio
Equity Fixed Income
Money Market
Risk-Based Portfolios
These portfolios are ideal for those preferring strategies that address their comfort levels with varied
degrees of investment risk. Aggressive, moderate, or conservative, these options allow you to choose
an investment mix that matches your risk tolerance and savings goals.
SSgA Conservative Portfolio
55%45%
SSgA Moderate Portfolio
50%
4%
46%
100%
SSgA Aggressive Portfolio
Equity Fixed Income
Money Market
Powered by
SPDR ETFs
The underlying funds for the investment
options offered in the SSgA Upromise
529 are Exchange Traded Funds (ETFs)
and, where applicable, an SSgA money
market mutual fund.
3
ETFs are low-cost
types of funds that allow for more efficient
investment of account owners’ portfolios.
For a more detailed description of ETFs,
please refer to the FAQs section.
3
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.
Savings Portfolio
Note: Under the federal tax rules governing all 529 plans, you may reallocate your current investments once 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.
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.
For more information on SSgA Upromise 529 investment options including risks, refer to the Plan Description and Participation Agreement.
4
The Savings Portfolio invests 100 percent of its assets in the Sallie Mae High-Yield Savings Account (HYSA). The HYSA is held in an omnibus savings
account insured by the FDIC, which is held in trust by the board of trustees of the College Savings Plans of Nevada at Sallie Mae Bank. Contributions to
and earnings on the investments in the Savings Portfolio are insured by the FDIC on a pass-through basis to each account owner up to $250,000, the
maximum amount set by federal law. The amount of FDIC insurance provided to an account owner is based on the total of (a) the value of an account
owner’s investment in the Savings Portfolio; and (b) the value of all other accounts held by the account owner at Sallie Mae Bank, as determined by
Sallie Mae Bank and FDIC Regulations.
For the more conservative investor, the Savings Portfolio seeks to minimize risk and exposure to market
volatility. Federal Deposit Insurance Corporation (FDIC)-insured, 100 percent of assets are invested in
the Sallie Mae High-Yield Savings Account (HYSA).
4
Choose from 15 individual portfolios to create your own personalized investment mix. Each is invested
in a single underlying ETF that gives you options of investment styles and asset classes, from equity
to fixed income. You invest as you see fit, taking advantage of the diversity and precision that SPDR
ETFs offer.
Static Portfolios
• SPDR S&P 500
®
ETF Trust Portfolio
• SPDR S&P MidCap 400
®
ETF Trust Portfolio
• SPDR S&P 600
®
Small Cap ETF Portfolio
• SPDR S&P
®
World ex-US ETF Portfolio
• SPDR S&P International Small Cap ETF
Portfolio
• SPDR S&P Emerging Markets ETF Portfolio
• SPDR S&P Emerging Markets Small Cap ETF
Portfolio
• SPDR Dow Jones REIT ETF Portfolio
• SPDR Dow Jones International Real Estate
ETF Portfolio
• SPDR Barclays Aggregate Bond ETF Portfolio
• SPDR Barclays TIPS ETF Portfolio
• SPDR DB International Government Inflation-
Protected Bond ETF Portfolio
• SPDR Barclays High Yield Bond ETF Portfolio
• SPDR Barclays Short Term Corporate Bond
ETF Portfolio
• SPDR Barclays 1-3 Month T-Bill ETF Portfolio
Job #: 094764.01 Ref #:86460 vB Notes: REVISED SANDY 11/12
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Three easy steps to opening an
SSgA Upromise 529 account
How to enroll
Enrolling online is fast, convenient and secure. In as little as 10 minutes, you can be fully signed up and
saving for college:
1. Log on to ssga.upromise529.com.
2. Click on open a 529 account.
3. Let the easy-to-follow directions guide you through the enrollment process.
What you’ll need to enroll:
• Your Social Security number
• Your permanent address
• Your beneficiary’s Social Security number and date of birth
• Your email address
• Your checking or savings account number and your bank’s routing number (if you want to
contribute electronically with a bank transfer)
If you are working with a financial advisor, 529 QuickView
®
offers a Web-based portal
(529quickview.com), providing your advisor immediate online access to your Ascensus College
Savings-administered 529 accounts.
Job #: 094764.01 Ref #:86460 vB Notes: REVISED SANDY 11/12
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___________________________
FILE BUILT AT 100%
LASER PROOF AT 100%
IMAGE INFO:
Two exciting ways to help
your savings grow faster
Ugift and Upromise rewards both offer additional ways to save.
Ugift
®
Ugift allows family and friends to celebrate a child’s milestones with the gift of college savings (in lieu
of traditional gifts). By logging on to your SSgA Upromise 529 account and clicking on the Ugift logo,
you can invite family and friends to contribute with as little as $15 per gift.
Upromise
®
rewards
Upromise rewards is a service that helps families earn extra money for college by purchasing products
from many of the country’s leading retailers. When you link your Upromise rewards account to your
SSgA Upromise 529 account, your rewards earnings are automatically transferred to your 529 account
on a periodic basis (subject to a $25 minimum).
5
5
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. Terms and conditions apply to the Upromise service. 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.
Learn more about Upromise rewards or
Ugift at ssga.upromise529.c om.
1
Suggest a 529 gift contribution
to family and friends
A gift contribution has been sent to your 529 college savings plan account.
To:
From:
Message:
Celebrate!
GIVE COLLEGE SAVINGS
$
A gift contribution has been sent to your 529 college savings plan account.
To:
From:
Message:
Celebrate!
GIVE COLLEGE SAVINGS
$
They give the gifts
2
A gift contribution has been sent to your 529 college savings plan account.
To:
From:
Message:
Celebrate!
GIVE COLLEGE SAVINGS
$
Those gifts are invested
3
EXCD
CD
ACD
CW
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SDO
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___________________________
FILE BUILT AT 100%
LASER PROOF AT 100%
IMAGE INFO:
Job #: 094764.01 Ref #:86460 vB Notes: Loaded 11/12
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FAQs
6
If you are not a Nevada taxpayer, consider before investing whether your or the designated beneficiary’s home state offers any state tax or other benefits
that are only available for investments in such state’s qualified tuition program. You should consult with a tax advisor regarding the state consequences of
any investment in a 529 plan.
Who can open an
SSgA Upromise 529 account?
The plan is available to U.S. citizens or resident aliens
of legal age. The beneficiary can be anyone, including
yourself, but must have a Social Security Number or
tax identification number and a valid physical address
within the United States or Puerto Rico. There are no
age, state residency, or income restrictions.
What are qualified
higher education expenses?
Qualified higher education expenses include tuition,
mandatory fees, books, supplies and equipment
required for enrollment or attendance; certain room
and board costs during any academic period that
the beneficiary is enrolled at least part-time; and
certain expenses for a special-needs student.
How much do I need to open
an account?
You can open an account for as little as $15.
How much can I contribute to
my account?
You can contribute until the aggregate account
balances for your designated beneficiary under all
college savings programs sponsored by the state
of Nevada (including accounts established by other
account owners) reach $370,000. At that point, your
account can still accumulate earnings, but you will
not be allowed to make additional contributions.
Who has control over the account
and how the money is used?
As the account owner, you have control over the
account and can determine how and when the
money is used. Of course, in order to qualify for
the most favorable tax treatment, the money must
be used for qualified higher education expenses
consistent with the rules applicable to 529 plans.
What if my state offers a 529 plan?
SSgA Upromise 529 is designed to offer a
combination of benefits to residents of any state.
6
Some states offer favorable tax treatment to their
residents only if they invest in that state’s own
529 plan.
What if my beneficiary does not use
the money for a qualified higher
education expense?
The earnings portion of a withdrawal not used for
a beneficiary’s qualified higher education expenses
is subject to federal and state income taxes and
a 10 percent federal penalty tax. For information
about exceptions to this penalty, please read the
Plan Description and Participation Agreement.
Below are answers to questions that parents and relatives ask most often. For the complete list, please
refer to the Plan Description and Participation Agreement or visit the ssga.upromise529.com FAQ section.
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7
Earnings on nonqualified withdrawals are subject to federal income tax and may be subject to a 10 percent federal penalty tax, as well as state and local
income taxes. The availability of tax or other benefits may be contingent on meeting other requirements.
Where can I use my investment?
Funds in an SSgA Upromise 529 account can be
used for eligible public and private four-year colleges
and universities. They can also be used at eligible
trade and technical schools, graduate schools, and
at qualifying two-year associate degree programs
— anywhere in the U.S. and abroad.
Is the SSgA Upromise 529 really
tax deferred?
Yes. Earnings in the SSgA Upromise 529 grow
federal tax deferred, and qualified withdrawals
are federal income tax free.
7
There are also unique
gift and estate tax advantages so you can help a
child go to college and lessen your tax burden at
the same time. State tax treatment of 529 plans
varies by state, and there may be advantages to
participating in a 529 plan in the state in which you
or the designated beneficiary reside. Consult with
a tax advisor for details.
How are withdrawals from my
account treated for federal
tax purposes?
A withdrawal that is used to pay for a beneficiary’s
qualified higher education expenses at an eligible
educational institution is not subject to federal
income tax. The earnings portion of a withdrawal
that is used for any other purpose is subject to
federal and state income tax. In addition, except
to the extent the withdrawal is attributable to the
death or disability of, or receipt of a scholarship
by, a beneficiary, the earnings portion of any
withdrawal that is not used to pay a beneficiary’s
qualified higher education expenses is subject to
an additional 10 percent federal penalty tax.
What are the gift and estate tax
benefits?
• Federal Gift Tax. Individuals may invest up to
$14,000 ($28,000 for married couples) per
beneficiary without assuming any gift tax
consequences. Or you can contribute up to
$70,000 per child in a single year ($140,000 for a
married couple filing jointly) for each beneficiary
without incurring federal gift tax, provided you
don’t make any other gifts to that beneficiary for
the next four years. (In the event that the donor
does not survive the five-year period, a prorated
amount will revert to the donor’s taxable estate.)
For more information, consult your tax advisor or
estate-planning attorney.
• Federal Estate Tax. Upon death of the account
owner, money remaining in the account will
not be included in the account owner’s estate
for federal estate tax purposes. For more
information, consult your tax advisor or estate-
planning attorney.
What if my beneficiary doesn’t go
to college?
You can leave your money in the SSgA Upromise
529 in the event that your beneficiary decides to
attend college at a later date. You can also change
the beneficiany to a qualifying family member of
the current beneficiary without penalty or federal
income taxes. Or you can withdraw the money
by making a nonqualified withdrawal. In that case,
the earnings portion would be subject to federal,
as well as applicable state and local income
taxes and a 10 percent additional federal penalty
tax. (Changing beneficiaries to someone other
than a qualifying family member would also be
considered a nonqualified withdrawal.)
FAQs
FAQs
What if my beneficiary receives
a scholarship?
A withdrawal from your account up to the amount
of the scholarship will not be subject to the 10
percent federal tax, although the earnings portion
of the withdrawal will be subject to federal and
state income tax. Alternatively, you can change
the beneficiary of the account.
Can I change the beneficiary?
Yes. The beneficiary may be changed at any
time without tax consequences as long as the
new beneficiary is a member of the family of the
current designated beneficiary as defined under
Section 529 of the Internal Revenue Code. For
the complete listing of who is included in that
group, see the Plan Description and Participation
Agreement.
Can I roll over money from another
529 plan into the SSgA Upromise 529?
You may perform a federal tax-free rollover for
the same beneficiary once every 12 months. You
may also perform a federal tax-free rollover at any
time to a qualifying family member of the current
beneficiary of the other 529 plan.
Can I roll over money from an
UGMA/UTMA account or Coverdell
Education Savings Account?
UGMA/UTMA: You may use money from a
Uniform Gifts/Transfers to Minors Account
(UGMA/UTMA) to open an SSgA Upromise 529
account. The liquidation of assets currently held
in the UGMA/UTMA account would generally
be a taxable event. Note that you need to
designate that the account is a custodial UGMA/
UTMA account on the Account Application
when you open an SSgA Upromise 529 account.
UGMA/UTMA custodial accounts are subject to
additional requirements and restrictions. Please
see the SSgA Upromise 529 Plan Description and
Participation Agreement for more information and
please contact a tax professional to determine
what the implications of such a transfer may be.
Coverdell ESA: You can contribute proceeds from
the sale of assets held in a Coverdell Education
Savings Account to the SSgA Upromise 529.
When you move money from a Coverdell account
to a 529 plan account, you have to complete the
transfer within the same calendar year to avoid a
tax consequence.
Can I change how my account
is invested?
You can change the direction of your future
contributions at any time. Federal law permits
you to move your current assets in your SSgA
Upromise 529 account to a different mix of
investment options once per calendar year — or
whenever you change the account’s beneficiary.
Are investments in the SSgA
Upromise 529 guaranteed?
No. Investment returns will vary depending upon
the performance of the Portfolios you choose.
Except to the extent of the FDIC insurance
available for the Savings Portfolio, depending on
market conditions, you could lose all or a portion
of your money by investing in the SSgA Upromise
529.
8
Account owners assume all investment
risks as well as responsibility for any federal and
state tax consequences.
8
The Savings Portfolio invests 100 percent of its assets in the Sallie Mae High-Yield Savings Account (HYSA). The HYSA is held in an omnibus savings account
insured by the FDIC, which is held in trust by the board of trustees of the College Savings Plans of Nevada at Sallie Mae Bank. Contributions to and earnings
on the investments in the Savings Portfolio are insured by the FDIC on a pass-through basis to each account owner up to $250,000, the maximum amount
set by federal law. The amount of FDIC insurance provided to an account owner is based on the total of (a) the value of an account owner’s investment in the
Savings Portfolio; and (b) the value of all other accounts held by the account owner at Sallie Mae Bank, as determined by Sallie Mae Bank and FDIC Regulations.
What expenses are involved in the
SSgA Upromise 529?
The SSgA Upromise 529 has been designed
to provide cost-efficient value to investors.
Portfolios carry a total asset-based fee. There
is no enrollment fee; there is an annual account
maintenance fee of $20, which is deducted
beginning 12 months after you open an account.
9
Please review your current Plan Description and
Participation Agreement for the current fees.
What are ETFs?
An ETF is an investment vehicle that combines key
features of traditional mutual funds and individual
stocks. ETFs are open-ended funds which,
like index mutual funds, represent portfolios of
securities that track specific indexes. A distinct
difference is that ETFs trade like stocks and can be
bought and sold on an exchange and can employ
the same trading strategies used with stocks.Like
index mutual funds, ETFs allow investors to track
hundreds of domestic and international indexes,
as well as specific sectors or industries (e.g.,
utilities, technology, or health care).
How are ETFs used in the SSgA
Upromise 529 plan?
The SSgA Upromise 529 Plan features portfolios
that invest in SPDR ETFs designed around the
following key benefits that make sense in a
college savings plan: 1) index-like diversification
for managing risk; 2) transparency; and 3) lower
fees to help increase after-expense returns.
9
The fee is waived if the account owner or beneficiary has a Nevada permanent address or mailing address on file; or if the account owner is invested in the
Savings Portfolio at the time the annual account maintenance fee is assessed.
FAQs
enroll.1013
Sponsored by two leaders in college savings and investing:
Ascensus Broker Dealer Services, Inc.
Ascensus Broker Dealer Services, Inc., is a leading provider
and administrator of 529 plans, focused on helping all American
families invest for college. As a manager of 529 plan services
to state partners, the company administers individual accounts
for college savers and provides customized recordkeeping and
administration platforms. Ascensus Broker Dealer Services
is a registered broker-dealer, is a member of FINRA, and is
registered with the MSRB.
State Street Global Advisors
State Street Global Advisors (SSgA) is a global leader in
asset management. Sophisticated investors worldwide rely
on SSgA for their disciplined, precise investment process
and powerful global investment platform that provide
access to every major asset class, capitalization range
and style. As the asset management business of State
Street Corporation, one of the world’s leading providers of
financial services to institutional investors, SSgA has the
financial strength, global expertise and advanced research
capabilities to deliver client-focused solutions. SSgA also
attained ETF leadership, with SPDR
®
ETFs, including first-
to-market launches with gold, international real estate and
fixed income and sector ETFs.
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; read and consider it carefully before investing.
Ascensus Broker Dealer Services, Inc. (“ABD”) is distributor
of the Plan.
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 SSgA Upromise 529 Plan is administered by the board
of trustees of the College Savings Plans of Nevada (the
“Board”), chaired by the Nevada state treasurer. 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.
“SPDR” is a registered trademark of Standard & Poor’s Financial
Services LLC (“S&P”) and has been licensed for use by State
Street Corporation. No financial product offered by State Street
Corporation or its affiliates is sponsored, endorsed, sold or
promoted by S&P or its affiliates, and S&P and its affiliates make
no representation, warranty or condition regarding the advisability
of buying, selling or holding units/shares in such products.
SSgA Upromise Plan
PO Box 55578
Boston, MA 02205-5578
www.ssga.upromise529.com
1-800-587-7305
Upromise and Ugift are registered service marks of Upromise, Inc. 529 QuickView is a registered service mark of Ascensus Broker Dealer Services, Inc.
State Street Global Advisors and SSgA are registered trademarks of State Street Corporation. All other marks are the exclusive property of their
respective owners.
CSNVU-BRC-00203 1214
Job #: 094764.01 Ref #:86460 vB Notes: REVISED SANDY 11/12
Loaded 11/12
Revised Natalie 12/10
Client: UProm Desc: UP_Enrlmnt_Update_Ascensus_Disclmr
Size: 11.0" x 8.5" Color: 4C
Fonts: Univers LT std
Pub: Date: 11.10.14 Version:
AE: Yvette W Traf: LP AD: GD: Pierre PrintProd:
EXCD
CD
ACD
CW
AD/DZ
SM
GA
ART PRDCR
AE/AAE
SDO
PPM
Spell Check
Proofreader
Traffic Manager
OK TO PRODUCE
___________________________
FILE BUILT AT 100%
LASER PROOF AT 100%
IMAGE INFO: