Path2College 529 Plan

Low Cost

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There are no sales charges, start-up or maintenance fees. The only fees for a Path2College 529 Plan account are the total annual asset-based fees which include the annual asset-based management fee that will be paid to TIAA-CREF Tuition Financing, Inc. (TFI) to cover the cost of investment management and administrative services and the underlying mutual fund expenses. TFI is an affiliate of TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc. (TPIS), the distributors of the Path2College 529 Plan.

This fee is computed at an annual rate of less than one percent (ranging from 0.51 to  0.75%) of the average daily net assets of your account, excluding assets held in the Guaranteed Option. 

The Guaranteed Option provides a guarantee of principal and a minimum rate of interest to the Board of the Georgia Higher Education Savings Plan, 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.) No other fees or charges will be applied to your account. See fee table and sample investment cost. Please note, however, that the State reserves the right to change the current fee and impose new or additional fees, expenses, charges, or penalties in the future.

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Read more about our plan's features:

Investment Options

Investment Performance

Learn why it's so important to start now.

Don't forget you can set up an Automatic Contribution Plan (PDF, 157KB) or use Payroll Deduction (PDF, 45KB) for your contributions (if offered by your employer).

Learn how to transfer funds from another 529 College Savings Plan.

Check out our FAQ and read the Disclosure Booklet and Participation Agreements (PDF, 1189KB).


FAMILY FUN

Teach your children the value of money and saving with these fun activities and tips.

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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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© 2008 TIAA-CREF Tuition Financing Inc.