Path2College 529 Plan

Frequently Asked Questions - Investment Options and Performance

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What are my investment options?

The Path2College 529 Plan offers a choice of seven investment options. You can invest new contributions in any one or combination of these seven options: Managed Allocation Option, Aggressive Managed Allocation Option, 100% Equity Option, Balanced Fund Option, 100% Fixed Income Option, Money Market Option, and the Guaranteed Option. The Guaranteed Option provides a guarantee of principal and a minimum rate of interest to the Board of the Path2College 529 Plan, offered by the State of Georgia, but not to account owners or beneficiaries. Effective March 10, 2008, transfers from the Guaranteed Option to the Money Market Option will not be permitted. (If this restriction changes, investors will be notified prior to the effective date of any such change.) Refer to the Disclosure Booklet for more details. These choices vary in their investment strategy and degree of risk, allowing you to select an option or options that may best fit your needs and investment philosophy. For a description of these investment options, please refer to the Investment Options section.

The investment approaches described are not recommendations and do not take into consideration personal goals or preferences. After evaluating information you consider important in making an investment choice, the ultimate decision is up to you. It is a good idea to revisit your investment strategy periodically as your goals, personal financial situation, and market conditions change.


Can I select the investments for my account?
You may choose among the seven Path2College 529 Plan investment options, but not the underlying mutual funds or other investment vehicles to which funds in the investment option may be allocated. Under federal law, an account owner may not have direct or indirect control over the investments in a 529 Plan.

Can I see a list of the underlying funds?
Yes, go to the Investment Options page and click on the Underlying TIAA-CREF Funds -Institutional Class link for a list and description of the underlying funds.


Where do I get information on Path2College 529 Plan investment performance?
Performance information for the seven investment options is available online. Go to Path2College 529 Plan Performance.


Can I change my investment selection?
Yes. Each time you make a contribution you may select any one of the seven investment options. Once invested in a particular investment option, contributions and any earnings may be transferred (reallocated) to another investment option once per calendar year or upon a transfer of funds to a Path2College 529 Plan account for a different beneficiary (see the Disclosure Booklet and Participation Agreementss (PDF, 1189KB) for more information). Use the Annual Rebalancing of Funds Among Investment Options Form (PDF, 44KB).

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Have a question you don't see listed? Need clarification?

Call us toll-free at
1-877-424-4377

We're available 8:00 am to 8:00 pm Eastern Time.

Don't forget you can set up an Automatic Contribution Plan (PDF, 50KB) or use Payroll Deduction (PDF, 51KB) for your contributions (if offered by your employer).

PDF files require the free Adobe Acrobat Reader. Get it here.

Access our glossary for the meanings of terms used throughout this site.

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The Path2College 529 Plan is offered by the State of Georgia. TIAA-CREF Tuition Financing, Inc. (TFI) serves as Program Manager. TFI's affiliates, Teachers Personal Investors Services, Inc. (TPIS) and TIAA-CREF Individual & Institutional Services, LLC, member FINRA, distribute the Path2College 529 Plan.

The tax information contained on the Path2College 529 Plan Web site is not intended to be used, and cannot be used by any taxpayer, for the purpose of avoiding tax penalties that may be imposed on the taxpayer. It was written to support the promotion of the products and services addressed in the Web site. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor.

The investment approaches described are not recommendations and do not take into consideration personal goals or preferences. After evaluating information you consider important in making an investment choice, the ultimate decision is up to you. It is a good idea to revisit your investment strategy periodically as your goals, personal financial situation, and market conditions change.

Consider the investment objectives, risks, charges and expenses before investing in the Path2College 529 Plan. Please call toll-free 1-877-424-4377 for a Disclosure Booklet containing this information. Read it carefully.

Before investing in a 529 plan, you should consider whether the state you or your designated beneficiary reside in or have taxable income in has a 529 plan that offers favorable state income tax or other benefits that are only available if you invest in that state's 529 plan.

The State of Georgia, its agencies, TIAA-CREF Tuition Financing, Inc., Teachers Insurance and Annuity Association of America and its affiliates do not insure any account or guarantee its principal or investment return except for TIAA-CREF Life Insurance Company's guarantee to the Board of the Georgia Higher Education Savings Plan under the funding agreement for the Guaranteed Option. Account value will fluctuate based upon a number of factors, including general market conditions.

The Path2College 529 Web site is for informational purposes only, and does not constitute an offer to sell or solicitation of an offer to buy any security that may be referenced on the site. Such offer or solicitation can be made only through the Disclosure Booklet

The Path2College 529 Web site contains links to other Web sites. Neither the Board of the Georgia Higher Education Savings Plan nor TIAA-CREF Tuition Financing, Inc. and its affiliates are responsible for the content of those other Web sites. The accuracy of information on those sites cannot be confirmed.

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