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  1. Investment Options

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Investment Options

Whether you want to grow assets for college or preserve what you've already earned, the Advisor-Guided Plan offers investment options to meet your unique goals, timeframe and risk tolerance.

Your professional can help you choose from three distinct approaches to gain access to underlying funds from J.P. Morgan as well as exchange-traded funds from State Street Global Advisors.

1. Age Based Portfolios 2. Asset Allocation Portfolios 3. Individual Portfolios
1. Age Based Portfolios

Age-Based Portfolio

This approach simplifies investing to one easy decision. Your assets start in a globally diversified portfolio appropriate for the account beneficiary’s age and then automatically become more conservative as college gets closer. The goal is to maximize return potential in early years and reduce risks when you need to protect capital and generate income for college expenses.

How does it work?

Select this option and let J.P. Morgan handle the rest.

Select your target age


Age 0-5

Jpmorgan 529 age-based 0-5 portfolio
Tab-1_Age-based-Portfolios_0-5-yrs

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.


Age 6-8

Jpmorgan 529 age-based 6-8 portfolio
Tab-1_Age-based-Portfolios_6-8-yrs

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.


Age 9-10

Jpmorgan 529 age-based 9-10 portfolio
Tab-1_Age-based-Portfolios_9-10-yrs

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.


Age 11-12

Jpmorgan 529 age-based 11-12 portfolio
Tab-1_Age-based-Portfolios_11-12-yrs

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.


Age 13

Jpmorgan 529 age-based 13 portfolio
Tab-1_Age-based-Portfolios_13-yrs

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.


Age 14

Jpmorgan 529 age-based 14 portfolio
Tab-1_Age-based-Portfolios_14-yrs

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.


Age 15-16

Jpmorgan 529 age-based 15-16 portfolio
Tab-1_Age-based-Portfolios_15-16-yrs

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.


Age 17

Jpmorgan 529 age-based 17 portfolio
Tab-1_Age-based-Portfolios_17-yrs

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.


Age 18+

Jpmorgan 529 age-based 18+ portfolio
Tab-1_Age-based-Portfolios_18-plus-yrs

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.


The asset allocation shown in the above chart represents strategic allocations as of August 23, 2019, and may be modified over short to intermediate term.

2. Asset Allocation Portfolios

Asset Allocation Portfolios

Like the age-based portfolio, these portfolios are broadly diversified across markets and portfolio managers. The difference is that the asset mix in an asset allocation portfolio stays the same unless you and your financial professional decide to switch to a different investment pursuing a different objective.

How does it work?

  • Choose your portfolio(s)
  • Switch portfolios as your needs change over time

Select your portfolio


JPMorgan 529 Aggressive Portfolio

Jpmorgan 529 aggressive portfolio
Tab-2_Asset-Allocation-Portfolios_Aggressive

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments, and discuss ways to maximize the Plan's benefits.


JPMorgan 529 Moderate Growth Portfolio

Jpmorgan 529 moderate growth portfolio
Tab-2_Asset-Allocation-Portfolios_Moderate+Growth

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments, and discuss ways to maximize the Plan's benefits.


JPMorgan 529 Moderate Portfolio

Jpmorgan 529 moderate portfolio
Tab-2_Asset-Allocation-Portfolios_Moderate

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments, and discuss ways to maximize the Plan's benefits.


JPMorgan 529 Conservative Growth Portfolio

Jpmorgan 529 conservative growth portfolio
Tab-2_Asset-Allocation-Portfolios_ConsGrowth

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments, and discuss ways to maximize the Plan's benefits.


JPMorgan 529 Conservative Portfolio

Jpmorgan conservative portfolio
Tab-2_Asset-Allocation-Portfolios_Conservative

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments, and discuss ways to maximize the Plan's benefits.


JPMorgan 529 College Portfolio

Jpmorgan 529 college portfolio
Tab-2_Asset-Allocation-Portfolios_College

Consult with your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments, and discuss ways to maximize the Plan's benefits.


3. Individual Portfolios

Individual Portfolios

For maximum customization potential, you and your financial professional can choose individual portfolios, each investing in a single underlying asset class. Select one individual portfolio to round out your existing holdings or combine several to create and control an asset mix customized to your specific needs.

How does it work?

  • Choose your portfolio(s)
  • Decide how much to allocate to each
  • Adjust your portfolio mix as appropriate
ASSET CLASS INDIVIDUAL PORTFOLIOS
U.S. Equity

 JPMorgan 529 Equity Income Portfolio

 JPMorgan 529 Growth Advantage Portfolio

 JPMorgan 529 Large Cap Growth Portfolio

 JPMorgan 529 U.S. Sustainable Leaders Portfolio

 State Street Global Advisors 529 Portfolio S&P 1500 Composite Stock Market ETF Portfolio

 JPMorgan 529 Mid Cap Value Portfolio

 JPMorgan 529 Small Cap Equity Portfolio

 JPMorgan 529 BetaBuilders U.S. Small Cap Equity ETF Portfolio

International
Equity

 JPMorgan 529 International Equity Portfolio

 State Street Global Advisors 529 MSCI ACWI ex-US ETF Portfolio

 State Street Global Advisors 529 Portfolio Developed World ex-US ETF Portfolio

Alternative

 JPMorgan 529 Realty Income ETF Portfolio

Fixed Income

 JPMorgan 529 Core Bond Portfolio

 JPMorgan 529 Core Plus Bond Portfolio

 JPMorgan 529 Short Duration Bond Portfolio

 JPMorgan 529 Inflation Managed Bond ETF Portfolio

 State Street Global Advisors 529 Portfolio Aggregate Bond ETF Portfolio

Cash Equivalents

 JPMorgan 529 Stable Asset Income Portfolio

 

Consult your financial professional

Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.

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FAQs
Q. Can I change how my contributions are invested?

A. Federal law allows you to reallocate existing plan assets twice every calendar year or when changing beneficiaries. You can change how future contributions are invested at any time.

Need more information? Find answers to all your college savings questions here > 

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Privacy | New York State Privacy | Security | Disclosure Booklet | Contact Us

INVESTMENTS ARE NOT FDIC INSURED, MAY LOSE VALUE AND ARE NOT BANK GUARANTEED.

 

For more information about New York’s 529 Advisor-Guided College Savings Program, you may contact your financial advisor or obtain an Advisor-Guided Plan Disclosure Booklet and Tuition Savings Agreement at www.ny529advisor.com or by calling 1-800-774-2108. This document includes investment objectives, risks, charges, expenses, and other information. You should read and consider it carefully before investing.

Before you invest, consider whether your or the beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in that state’s qualified tuition program.

The Comptroller of the State of New York and the New York State Higher Education Services Corporation are the Program Administrators and are responsible for implementing and administering New York’s 529 Advisor-Guided College Savings Program (the “Advisor-Guided Plan”). Ascensus Broker Dealer Services, LLC (“ABD”) serves as Program Manager for the Advisor-Guided Plan. ABD and its affiliates have overall responsibility for the day-to-day operations of the Advisor-Guided Plan, including recordkeeping and administrative services. J.P. Morgan Investment Management Inc. serves as the Investment Manager. JPMorgan Distribution Services, Inc. markets and distributes the Advisor-Guided Plan. JPMorgan Distribution Services, Inc. is a member of FINRA.

No guarantee: None of the State of New York, its agencies, the Federal Deposit Insurance Corporation, J.P. Morgan Investment Management Inc., Ascensus Broker Dealer Services, LLC, JPMorgan Distribution Services, Inc., nor any of their applicable affiliates insures accounts or guarantees the principal deposited therein or any investment returns on any account or investment portfolio.

New York’s 529 College Savings Program currently includes two separate 529 plans. The Advisor-Guided Plan is sold exclusively through financial advisory firms who have entered into Advisor-Guided Plan selling agreements with JPMorgan Distribution Services, Inc. You may also participate in the Direct Plan, which is sold directly by the Program and offers lower fees. However, the investment options available under the Advisor-Guided Plan are not available under the Direct Plan. The fees and expenses of the Advisor-Guided Plan include compensation to the financial advisory firm. Be sure to understand the options available before making an investment decision.

The Program Administrators, the Program Manager and JPMorgan Distribution Services, Inc., and their respective affiliates do not provide legal or tax advice. This information is provided for general educational purposes only. This is not to be considered legal or tax advice. Investors should consult with their legal or tax advisors for personalized assistance, including information regarding any specific state law requirements.

Ugift is a registered service mark of Ascensus Broker Dealer Services, LLC.

If you need additional support in viewing the information on our website, please call our Investor Service Center at 1-800-774-2108 for assistance.

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