my529.org | 800.418.2551 January 2019 standard the Morningstar Analyst RatingTM of Gold for 2018 Resolve to Invest in 2019 This year, you could resolve to get SMART about investing funds for education Since the holidays are over, January is a great time to assess your goals and time horizon Investing for future educational expenses, regardless of how much you contribute, is a resolution you will want to keep The easiest method to make SMART contributions regularly to your my529 account is by scheduling automatic transactions Say you set up a monthly contribution of $X to be transferred from your bank account to your my529 account Voila! Your contribution is Specific, Measurable, Achievable, Relevant, and Time-bound Resolution success unlocked By logging in to Account Access, you can arrange electronic contributions through your bank or credit union You can also submit Form 200 for One-Time or Recurring Electronic Contributions Authorization/Change by mail MY529 MAKES IT EASY FOR YOU WITH AUTOMATED CONTRIBUTIONS By the time you read this, if you’re anything like most people, you have likely set some New Year’s resolutions … and then broken them Someone even marked a day for that January 17 is apparently Ditch New Year’s Resolution Day However, for all the good things we want to do—lose weight, get organized, exercise more, save money—we are often vague about the execution The way to succeed in your resolutions, according to a New York Times article titled “How to Make (and Keep) a New Year’s Resolution,” is to be SMART about them SMART, the January 2018 article explains, stands for Specific, Measurable, Achievable, Relevant, and Time-bound The concept comes from a 1981 management journal but is still used in management circles—and now, resolutions College planning tools available my529 receives Morningstar gold Set it and let your contributions accumulate, allowing for potential growth Even automating small contributions can add up over time The earlier you start, the more time you have to invest As an example, investing $20 a month over 18 years could yield $6,984, while a $50 monthly investment could turn into $17,460 over the same period Investing $100 monthly for 18 years could become $34,920 (All numbers assume a percent annual rate of return, compounded monthly with no initial contribution, and are used for illustrative purposes only.) Other ways to be SMART about my529 contributions include inviting family and friends to contribute toward your beneficiary’s education via the my529 Gift Program If you get a raise this year, think about contributing that percentage to your my529 account You could contribute all or some of your tax refund if you receive one for the 2018 tax year (Utah residents can donate a tax refund, in whole or in part, directly to their my529 account See page for details.) Check the dashboard .3 Preparing your 2018 tax returns Utah students win college scholarships Your Utah tax refund .4 ©2019 my529 |The term my529 is a registered service mark College planning tools coming soon to my529.org Your child’s higher education could be years away or within sight Starting in February 2019, my529 is pleased to offer new college preparation tools through Invite Education to help you explore your options A free College Savings Estimator will be available at my529.org Start by entering a few details—beneficiary’s grade, hometown, current savings, monthly contribution, and type of college or technical school they want to attend To determine your results, highlight a college or average cost and decide on a savings goal Change the variables to look at different scenarios You not need to own a my529 account to use the estimator For a deeper dive, my529 account owners will be able to log in to Account Access and set up a free Invite Education College Planning Center profile The College Planning Center at Invite Education’s website has comprehensive resources that include financial calculators, test prep, a scholarship search engine, a link to the federal student aid application (FAFSA), and college application tools Account owners can use the profile to customize and save information about their beneficiaries to plan for upcoming college costs, entrance exams, and scholarship and financial aid deadlines Invite Education is a third-party site The content of that site is for informational purposes only my529 is not responsible for and has no control over the content of the Invite Education website Any information you enter within the Invite Education portal is neither stored by nor protected by my529 my529 receives Morningstar’s highest rating for 8th consecutive year BUILT FOR THE CHALLENGE PO Box 145100, Salt Lake City, UT 84114-5100 Once again, Utah’s my529 ranks among the top 529 educational savings plans in the nation Morningstar Research Services LLC, which provides independent investment research, rated my529 with a Morningstar Analyst Rating™ of Gold for 2018 This is the eighth consecutive year that my529 has earned Morningstar’s premier accolade Morningstar Research Services LLC is a subsidiary of Morningstar Inc her October 30, 2018, report “We reaffirm its Morningstar Analyst Rating™ of Gold.” “Utah’s my529 has a new name, but its core tenets of robust investments, low cost, and exceptional state oversight remain,” wrote Madeline Hume, Morningstar manager research analyst for multi-asset and alternative strategies, in A Morningstar Analyst RatingTM for a 529 college savings plan is not a credit or risk rating Analyst ratings are subjective in nature and should not be used as the sole basis for investment decisions Morningstar does not represent its analyst ratings to be guarantees Please visit Morningstar com for more information about the analyst ratings, as well as other Morningstar ratings and fund rankings Morningstar evaluated 62 plans nationwide in the annual report, with my529 as one of four to earn the Gold rating Morningstar’s Manager Research Group assesses 529 plans based on oversight, underlying investment quality, the asset-allocation approach used by the age-based portfolios, fees, and performance CHECK THE DASHBOARD YOU CAN GET A DETAILED LOOK AT YOUR ACCOUNT ACTIVITY WITH THIS ONLINE TOOL Take a glance at your my529 accounts, and how your investments and funds are performing, all on one page The dashboard, available in Account Access at my529.org, offers a detailed view of investments, with the following information in graph form: • • • • account value transaction summary current value of accounts by underlying fund investment allocation by type View how your investment has performed over time, and a summary of account activity that includes contributions, dividends, withdrawals, transfers/exchanges, administrative fees, and market gain/loss Look at data for an individual account, or aggregate data if you own multiple accounts To access the dashboard, log in to Account Access, and click the “Dashboard” button at the top right Two documents you may need when you prepare your 2018 tax returns It’s tax time, and you may find yourself wondering what documentation you need regarding your my529 account $10,000 for K-12 tuition expenses at a public, private, or religious school for your beneficiary Federal Income Tax Return If you used a withdrawal to pay for nonqualified expenses, the earnings portion is subject to federal income tax as ordinary income An additional 10 percent federal tax penalty on the earnings portion also may apply Utah taxpayers must add back the amount of a nonqualified withdrawal as income on their Utah state income tax form for 2018 The taxpayer’s 1099-Q will list the earnings portion of a nonqualified withdrawal If you withdrew or rolled over money from the accounts you owned in 2018, my529 is required to issue you IRS Form 1099-Q (Payments From Qualified Education Programs) by Jan 31, 2019 If the withdrawal was sent to the account’s beneficiary or to an eligible educational institution, the beneficiary will receive Form 1099-Q The 1099-Q reports the total of all withdrawals you made in 2018 You not need to report the portion that is earnings on your tax return if you used a withdrawal for qualified higher education expenses, such as tuition and fees; required books, supplies, and equipment; computers and internet access; and certain room and board costs You can also withdraw up to Utah Income Tax Return If you are a Utah taxpayer who contributed to, withdrew from, or transferred money to your my529 account(s) in 2018, my529 will issue Form TC-675H (my529 Tax Statement for Contributions, Withdrawals and Transfers) to you by Jan 31, 2019 Use TC-675H to claim Utah state income tax benefits and/or report nonqualified withdrawals, rollovers, and transfers on your 2018 Utah state income tax return my529 will send a copy of your TC-675H to the Utah State Tax Commission You not need to attach your TC-675H to your Utah state income tax return Keep your TC-675H to substantiate your claim for a tax credit if the Utah State Tax Commission audits you See the Program Description for more information about the TC-675H as it relates to the Uniform Gifts to Minors Act/Uniform Transfers to Minors Act (UGMA/UTMA) custodial accounts and accounts owned by Utah trusts or corporations If you not receive your Form 1099-Q or your TC-675H by January 31, 2019, contact my529 The forms are also available online at my529.org through Account Access Utah students win college scholarships Eight Utah students won $1,000 college scholarships for their artistic visions in my529 and StepUp to Higher Education’s Make Your Mark bookmark contest The contest, which is in its ninth year, runs during September as part of College Savings Month The purpose is to increase awareness within the state of Utah about saving for future education costs while promoting art, reading, and postsecondary education Kindergarten through third-grade winners were Athena S., a second-grader from Granite School District; and Sarah S., a third-grader from Jordan School District Two sixth-grade students won the 4-6 grade category: Brandon D from Weber School District, and Sofia G from Alpine School District 40803 Seventh-grader Hanxiao S from Salt Lake City School District and eighth-grader Beatrice P from Granite School District triumphed TC-40 Pg in2018 the 7-8 grade category Utah Individual Income Tax Return (continued) SSN Last name USTC ORIGINAL FORM High school students Rachel P and Katie W represented grades • / / nine through 12 Rachel is a sophomore in Alpine School District, mm/dd/yy • / / and Katie,mm/dd/yy a junior, is from Davis School District Part - Deceased Taxpayer Information If the taxpayer shown on page is deceased, enter the date of death here: If the spouse shown on page is deceased, enter the date of death here: If you are claiming a refund for a deceased taxpayer and are not the surviving spouse, enter “X”: You must complete and attach form TC-131 to the return Part - Fiscal Year Filer If filing a fiscal year return (a year other than January through December 31), enter the fiscal year end (mm/yy) See incometax.utah.gov/filing/fiscal-year-filing Part - Federal Form 8886 filed If you filed federal form 8886, Reportable Transaction Disclosure Statement, enter “X”: • A panel of five judges reviewed the submissions Gov Gary Herbert and First Lady Jeanette Herbert, University of Utah President Dr • / Ruth Watkins, Utah artist Rad Cuch, and KSL-TV mm/yy meteorologist Kevin Eubank served as the 2018 judges See the winning entries at my529.org • Get form and instructions at irs.gov Part - Voluntary Contributions (write the code and amount of each voluntary contribution) See explanation of each contribution at incometax.utah.gov/contributions and/or the TC-40 instructions Send your Utah tax refund to a my529 account Code 02 Pamela Atkinson Homeless Account Sch Dist Code Amount 03 Kurt Oscarson Children’s Organ Transplant Account 05 School District and Nonprofit School District Foundation - enter school district code See instructions for school district codes, or get codes at incometax.utah.gov/contributions/school-districts 15 Clean Air Fund 16 Governor’s Suicide Prevention Fund • 529 plans are known for their tax benefits Utah taxpayers can take advantage 00 of yet 00 • another tax-related benefit by contributing all or part of their 2018 Utah state income tax refund directly into their my529 accounts .00 • On Utah tax form TC-40, enter the amount of the refund you• want to go to your.00 my529 account(s) .00 Total voluntary contributions (enter the total here and on TC-40, page 2, line 28): Part - Voluntary Subtractions from Refund Enter the amount of your refund you want deposited into your my529 (formerly UESP) account(s): See instructions Also see my529.org, or call 1-800-418-2551 Enter the amount of your refund you want applied to your 2019 taxes: • 00 • 00 00 Total voluntary subtractions (enter the total here and on TC-40, page 2, line 44): May not be greater than the amount on line 43 Part - Direct Deposit to Foreign Account If you choose to direct deposit your refund to an account outside the United States and its territories, enter “X”: • If youTheown more than oneaaccount, the outside tax refund contribution will be distributed Tax Commission cannot transfer refund to an account the United States and its territories By checking this box, your refund will not be direct deposited but will be sent to you by check equally among all individual accounts Married couples who file jointly will have their Part - Property Owner’s Residential Exemption Termination contribution allocated equally among allDeclaration individual accounts If you are a Utah residential property owner and declare you no longer qualify to receive a residential exemption • Enter “X” under UC §59-2-103 for your primary only residence, “X” and enter the county code where Tax authorized refunds will be contributed toenter individual accounts, nottheto institutional or residence is located (see instructions for county codes and additional information) • Enter code UGMA/UTMA accounts Mailadded bonus: The Utah amount State Tax Commission Mailfrom your tax refund Utah State Tax Commission As an you contribute is eligible toward a RETURNS WITH 210 N 1950 W ALL OTHER 210 N 1950 W Ź Ź percent tax toUTthe tax year youRETURNS contribute to the account PAYMENTS to: credit applied Salt Lake City, 84134-0266 to: Salt Lake City, UT 84134-0260 Submit page ONLY if data entered Attach completed schedule to your Utah Income Tax return my529 materials now available in Spanish For more than two decades, my529 has been sharing the importance of saving for higher education Now, that message is available in Spanish In October, my529 published its website, Program Description, enrollment forms, and other resources in Spanish Translated materials are located at my529.org via the “Español” link This effort furthers my529’s commitment to share the importance of preparing for education expenses with a wider audience To learn more or to request Spanish materials, call toll-free at 800.418.2551, or email marketing@my529.org my529.org | 800.418.2551 1/8/2019 my529 - Investment Option Returns Investment Option Performance as of December 31, 2018 Latest Month Latest Three Months Year to Date One Year Age 0-3 -7.64% -13.19% -8.35% Age 4-6 -7.62% -13.18% -8.33% Age 7-9 -6.37% -11.18% Age 10-12 -4.90% Age 13-14 Age 15 Age-Based Investment Options Average Annualized Return Inception Date Three Year Five Year Ten Year Since Inception -8.35% 7.47% 5.68% 12.03% 9.26% 4/1/2003 -8.33% 7.47% 5.68% 12.03% 9.26% 4/1/2003 -7.00% -7.00% 6.41% 5.01% 10.37% 8.52% 4/1/2003 -8.93% -5.64% -5.64% 5.31% 4.26% 8.64% 7.56% 4/1/2003 -3.99% -7.48% -4.38% -4.38% 4.19% 3.43% 6.80% 6.35% 4/1/2003 -3.33% -6.23% -3.82% -3.82% 4.12% 3.38% 6.78% 6.34% 4/1/2003 Age 16 -2.42% -4.71% -2.25% -2.25% 3.00% 2.49% 4.86% 4.92% 4/1/2003 Age 17 -1.61% -3.29% -1.67% -1.67% 2.93% 2.45% 4.84% 4.90% 4/1/2003 Age 18 -0.90% -1.91% -0.52% -0.52% 3.05% 2.52% 4.87% 4.93% 4/1/2003 Age 19+ 0.06% -0.31% 1.19% 1.19% 1.72% 1.33% 1.03% 1.73% 4/1/2003 Aggressive Global Aggressive Domestic Age 0-3 -9.07% -14.09% -5.04% -5.04% 8.95% 7.84% 12.52% 5.24% 9/20/1999 Age 4-6 -9.21% -14.21% -5.19% -5.19% 8.88% 7.80% 12.04% 5.49% 9/20/1999 Age 7-9 -7.57% -11.97% -4.24% -4.24% 7.62% 6.74% 10.69% 5.29% 9/20/1999 Age 10-12 -6.13% -9.79% -3.49% -3.49% 6.23% 5.57% 9.28% 5.02% 9/20/1999 Age 13-14 -4.68% -7.90% -2.30% -2.30% 5.04% 4.44% 7.46% 4.61% 9/20/1999 Age 15 -4.51% -7.17% -3.07% -3.07% 4.47% 4.10% 7.28% 4.52% 9/20/1999 Age 16 -2.92% -5.05% -1.13% -1.13% 3.47% 3.03% 4.89% 4.08% 9/20/1999 Age 17 -1.79% -3.35% -0.15% -0.15% 3.52% 3.05% 4.90% 4.09% 9/20/1999 Age 18 -1.31% -2.28% -0.17% -0.17% 3.23% 2.88% 4.81% 4.04% 9/20/1999 Age 19+ 0.20% -0.17% 2.30% 2.30% 2.07% 1.53% 1.13% 2.18% 9/20/1999 Age 0-3 -5.71% -10.27% -6.47% -6.47% 6.47% 5.04% 9.68% 8.38% 4/1/2003 Age 4-6 -5.83% -10.39% -6.57% -6.57% 6.43% 5.01% 9.25% 8.17% 4/1/2003 Age 7-9 -4.48% -8.21% -4.95% -4.95% 5.42% 4.33% 8.14% 7.49% 4/1/2003 Age 10-12 -3.31% -6.17% -3.47% -3.47% 4.24% 3.45% 6.93% 6.69% 4/1/2003 Age 13-14 -2.27% -4.55% -2.20% -2.20% 3.04% 2.52% 5.48% 5.66% 4/1/2003 Age 15 -1.96% -3.61% -1.64% -1.64% 2.95% 2.46% 5.45% 5.64% 4/1/2003 Age 16 -0.91% -1.90% -0.85% -0.85% 2.11% 1.72% 4.26% 4.73% 4/1/2003 Age 17 0.23% -0.12% 1.20% 1.20% 2.53% 1.97% 4.39% 4.81% 4/1/2003 Age 18 0.54% 0.86% 1.48% 1.48% 2.34% 1.86% 4.33% 4.77% 4/1/2003 Age 19+ 0.58% 0.95% 1.83% 1.83% 1.51% 1.17% 0.94% 1.67% 4/1/2003 Moderate Conservative Age 0-3 -3.88% -7.27% -4.23% -4.23% 5.56% 4.41% 7.97% 7.24% 4/1/2003 Age 4-6 -3.60% -7.01% -3.93% -3.93% 5.65% 4.46% 7.50% 6.89% 4/1/2003 Age 7-9 -2.82% -5.34% -2.97% -2.97% 4.29% 3.48% 6.16% 5.94% 4/1/2003 Age 10-12 -1.70% -3.29% -1.64% -1.64% 2.96% 2.46% 4.63% 4.79% 4/1/2003 Age 13-14 -0.93% -1.88% -0.24% -0.24% 1.61% 1.31% 2.98% 3.51% 4/1/2003 Age 15 -0.28% -0.58% 0.10% 0.10% 1.45% 1.22% 2.93% 3.48% 4/1/2003 Age 16 1.78% 2.35% 2.72% 2.72% 2.05% 1.57% 2.41% 2.87% 4/1/2003 Age 17 0.58% 0.98% 1.70% 1.70% 1.70% 1.37% 2.30% 2.80% 4/1/2003 Age 18 0.05% 0.39% 2.21% 2.21% 1.87% 1.47% 2.35% 2.83% 4/1/2003 Age 19+ 0.38% 0.82% 2.31% 2.31% 1.56% 1.16% 0.91% 1.65% 4/1/2003 Age 0-3 N/A N/A N/A N/A N/A N/A N/A N/A 9/20/1999 Age 4-6 N/A N/A N/A N/A N/A N/A N/A N/A 9/20/1999 Age 7-9 -8.70% -13.52% -4.95% -4.95% 8.52% 7.51% 12.35% 4.91% 9/20/1999 Age 10-12 -7.13% -11.31% -4.07% -4.07% 7.57% 6.72% 11.17% 4.59% 9/20/1999 Age 13-14 -5.68% -9.15% -2.95% -2.95% 6.55% 5.80% 9.70% 4.34% 9/20/1999 Age 15 -5.91% -9.38% -3.20% -3.20% 6.45% 5.74% 9.68% 4.33% 9/20/1999 Age 16 -5.24% -7.91% -3.00% -3.00% 5.10% 4.63% 8.11% 4.00% 9/20/1999 Age 17 -4.72% -7.44% -2.48% -2.48% 5.30% 4.75% 8.17% 4.03% 9/20/1999 Age 18 -2.78% -5.54% -0.49% -0.49% 5.98% 5.15% 8.38% 4.14% 9/20/1999 Age 19+ -2.76% -4.63% -0.71% -0.71% 4.38% 3.83% 6.66% 3.71% 9/20/1999 Option (Closed to new investments) ImportantLegal Legal Notice Important Notice which you or your beneficiary pays taxes or lives may offer a 529 Important Information Regarding Investments in my529 Investing is an important decision Read the Program Description in its entirety for more information and consider all investment objectives, risks, charges, and expenses before investing Call plan that provides state tax or other benefits, such as financial aid, Investing is an important decision Read the Program Description its The performance returns shown in the table above are based on 800.418.2551 for a copy of the Program Description or visitinmy529.org scholarship funds, and protection from creditors, not otherwise entirety for more information and consider all investment objectives, a $10,000 beginning account balance, assuming the money was Investments in my529 are not insured or guaranteed by my529, the Utah State Board of Regents, the Utah Higher Education Assistance Authority or any other state or federal agency Your available to you by investing in my529 You should consider such risks, charges, and expenses before investing Call 800.418.2551 for invested on the first day and held until the last day of each period investment could lose value However, Federal Deposit Insurance Corporation (FDIC) insurance is provided for the FDIC-insured accounts Please read the Program Description to learn about the benefits, if any, before investing in my529 my529 does not provide aFDIC-insured copy of the Program Description or visit my529.org Investments shown These returns only reflect the performance returns of a accounts legal, financial, investment, or tax advice, and the information in my529 are not insured or guaranteed by my529, the Utah State hypothetical $10,000 investment for a particular investment option The state in which you or your beneficiary pays taxes or lives may offer a 529 plan that provides state tax or other benefits, such as financial aid, scholarship funds, and protection from creditors, not provided in this document does notinvesting contain legal, financial, Board of Regents, the Utah Higher EducationinAssistance Authority or consider over the stated period of time reflected in the table, not for individual otherwise available to you by investing my529 You should such benefits, if any, before in my529 investment, or tax advice and cannot be construed as such or relied any other state or federal agency Your investment could lose value accounts Individual account performance will vary based on the my529 does not provide legal, financial, investment, or tax advice, and the information provided in this document does not contain legal, financial, investment, or tax advice and cannot be construed upontax for or those purposes should consult own or legal However, Federal Insurance (FDIC) insurance timing theyour initial and subsequent investments, withdrawals (if as such or reliedDeposit upon for those Corporation purposes You should consult your own legal advisorYou to determine theyour effect of tax federal and state tax lawsofon particular situation advisor to determine the effect of federal and state tax laws on your is provided for the FDIC-insured accounts Please read the Program any), and the account balances The returns shown above (a) take particular situation Description to learn about the FDIC-insured accounts The state in into account the underlying investment performance for each period; https://my529.org/performance-returns/ 1/2 1/8/2019 my529 - Investment Option Returns Latest Month Latest Three Months Year to Date One Year Equity - 100% Domestic -9.06% -13.58% -4.58% Equity - 30% International -8.14% -13.91% -8.03% Equity - 10 % International -9.23% -14.73% 70% Equity/30% Fixed Income -5.62% 20% Equity/80% Fixed Income Fixed Income Public Treasurers' Investment Fund: Utah Resident Static Investment Options Average Annualized Return Inception Date Three Year Five Year Ten Year Since Inception -4.58% 9.05% 8.30% 12.85% 5.16% 9/20/1999 -8.03% 7.25% 5.70% 10.99% 8.72% 10/3/2008 -7.47% -7.47% 7.75% 6.50% 12.52% 9.57% 4/1/2003 -9.45% -4.17% -4.17% 6.49% 5.43% N/A 7.25% 6/21/2013 -0.79% -1.92% -0.42% -0.42% 3.07% 2.54% N/A 3.06% 6/21/2013 1.70% 1.63% 0.61% 0.61% 1.90% 2.05% 3.16% 3.58% 9/9/2002 0.23% 0.67% 2.40% 2.40% 1.59% 1.17% 0.94% 2.71% 11/3/1996 Public Treasurers' Investment Fund: Non-Utah Resident 0.22% 0.63% 2.25% 2.25% 1.43% 1.01% 0.73% 2.59% 11/3/1996 FDIC-Insured 0.24% 0.70% 2.42% 2.42% 1.60% 1.18% N/A 0.93% 2/11/2009 Latest Month Latest Three Months Year to Date One Year VG Institutional Total Stock Market Index Fund -9.30% -14.30% -5.32% VG Institutional Index Fund -9.04% -13.56% -4.60% VG Value Index Fund -9.34% -10.97% VG Growth Index Fund -8.63% VG Mid-Cap Index Fund -9.89% VG Small-Cap Index Fund Customized Investment Options Average Annualized Return Inception Date Three Year Five Year Ten Year Since Inception -5.32% 8.81% 7.74% N/A 12.03% -4.60% 9.03% 8.27% N/A 12.07% 2/1/2010 -5.61% -5.61% 8.78% 7.55% N/A 9.55% 6/21/2013 -16.36% -3.52% -3.52% 9.23% 8.79% N/A 11.65% 6/21/2013 -15.50% -9.40% -9.40% 6.19% 6.02% N/A 11.61% 2/1/2010 -11.11% -18.35% -9.48% -9.48% 7.44% 5.07% N/A 11.63% 2/1/2010 VG Small-Cap Value Index Fund -11.46% -17.55% -12.39% -12.39% 6.78% 5.03% N/A 8.13% 6/21/2013 Vanguard Funds 2/1/2010 VG Small-Cap Growth Index Fund -10.70% -19.34% -5.87% -5.87% 8.18% 5.04% N/A 8.30% 6/21/2013 Vanguard FTSE Social Index -8.85% -13.16% -3.64% -3.64% N/A N/A N/A 3.95% 7/14/2017 VG Total Int'l Stock Index Fund -4.85% -11.71% -14.55% -14.55% 4.38% 0.78% N/A 1.85% 5/6/2011 VG Developed Markets Index Fund VG International Value Fund -5.33% -13.11% -14.61% -14.61% 3.31% 0.68% N/A 4.57% 2/1/2010 -5.66% -12.05% -14.68% -14.68% 4.34% -0.25% N/A 3.74% 2/1/2010 VG International Growth Fund -6.90% -14.79% -12.73% -12.73% 8.21% 3.47% N/A 7.04% 2/1/2010 VG Emerging Markets Stock Index Fund -2.97% -6.33% -14.70% -14.70% 7.68% 1.18% N/A 2.91% 6/21/2013 VG Total Bond Market Index Fund 1.79% 1.57% -0.19% -0.19% 1.85% 2.27% N/A 2.80% 2/1/2010 Vanguard High-Yield Corporate -2.15% -4.40% -3.39% -3.39% N/A N/A N/A -1.24% 7/14/2017 VG Short-Term Investment-Grade Fund 0.72% 0.62% 0.79% 0.79% 1.80% 1.61% N/A 1.75% 8/1/2011 VG Short-Term Bond Index Fund 1.06% 1.41% 1.19% 1.19% 1.17% 1.08% N/A 1.14% 6/21/2013 VG Short-Term Inflation-Protected Securities Index Fund 0.15% -0.29% 0.40% 0.40% 1.20% N/A N/A 0.28% 2/3/2014 VG Total International Bond Index Fund 1.14% 1.80% 2.70% 2.70% 3.15% N/A N/A 3.49% 2/3/2014 DFA Global Equity Portfolio -8.88% -15.11% -11.65% -11.65% 6.68% 4.24% N/A 7.11% 6/21/2013 DFA Global Allocation 60/40 Portfolio -4.98% -8.88% -6.59% -6.59% 5.02% N/A N/A 3.55% 2/2/2015 DFA Global Allocation 25/75 Portfolio -1.65% -3.21% -2.04% -2.04% 2.98% N/A N/A 2.06% 2/2/2015 Dimensional Funds DFA Five-Year Global Fixed Income Portfolio 0.58% 1.19% 1.47% 1.47% 1.61% N/A N/A 1.15% 4/16/2015 DFA U.S Large Cap Value Portfolio -11.02% -14.76% -11.82% -11.82% 7.50% 5.62% N/A 8.64% 6/21/2013 DFA U.S Small Cap Value Portfolio -12.80% -20.31% -15.29% -15.29% 5.08% 1.97% N/A 5.58% 6/21/2013 DFA US Sustainability Core Portfolio -10.03% -16.16% -6.91% -6.91% N/A N/A N/A 1.80% 7/14/2017 DFA Real Estate Securities Portfolio -7.54% -5.19% -3.18% -3.18% 3.38% 8.29% N/A 7.40% 6/21/2013 DFA International Value Portfolio -6.11% -14.67% -17.65% -17.65% 3.89% -0.54% N/A 3.05% 6/21/2013 DFA One-Year Fixed Income Portfolio Public Treasurers' Investment Fund7 0.36% 0.73% 1.66% 1.66% 1.01% 0.64% N/A 0.59% 6/21/2013 0.22% 0.64% 2.21% 2.21% 1.39% 0.97% N/A 0.72% 2/1/2010 FDIC-Insured Accounts 0.23% 0.68% 2.37% 2.37% 1.56% 1.15% N/A 0.94% 2/1/2010 PIMCO Interest Income Fund 0.25% 0.76% N/A N/A N/A N/A N/A 1.11% 8/17/2018 The information above shows the returns for the following underlying investments and are net of the my529 Administrative Asset Fee Returns on an account invested in the Customized Age-Based or Customized Static investment options will depend upon the underlying investment allocation chosen by the account owner/agent In addition, individual account performance will vary based on the timing of the investments in the investment option, any cash flow in or out of the my529 account during the investment period, and on the balances in the my529 accounts Important Information (b) show applicable interest andRegarding dividends; and Investments (c) are net of the in my529 age bracket that existed before July 14, 2017 For more information Contact my529 The performance shown the table are based on a $10,000 balance, assuming the money Administrative Assetreturns Fee charged by in my529 duringabove such periods about thebeginning investmentaccount allocations for these age brackets and theirwas invested on the first day and held until the last day of each period shown These returns only reflect the performance returns of a hypothetical $10,000 investment for a particular investment option over the stated period800.418.2551 of time reflected in the table, not for individual Phone Beginning on January 1, 2010, and ending on September 30, 2014, corresponding age-based investment options, see the Program accounts Individual account performance will vary based on the timing of the initial and subsequent investments, withdrawals (if any), and the account balances the Administrative Maintenance up toaccount $15 annually was not investment Description Past performance not(b) guarantee future results The returns shown above (a) Fee takeofinto the underlying performance for each does period; show applicable interest and dividends; and (c) are net of the Administrative Asset Fee Fax 800.214.2956 charged bythe my529 during such periods.Mail Beginning and ending on September 30, 2014, the Administrative Maintenance Fee of up to $15 annually was not reflected on the returns reflected on returns The Administrative Deliveryon FeeJanuary was 1, 2010, Notes The Administrative Mail Delivery Fee was included in the performance calculations until September 2014 The fee no longer applies to my529 accounts included in the performance calculations until September 2014 The Email info@my529.org Year-to-date are based on a calendar year; January to the For age-based and static investment options, performance returns shown abovecalculations assume that (a) prior to January 1, 2007, thecurrent investment options did not rebalance; (b) beginning January 1, 2007, fee longerDecember applies to my529 accounts For age-based and static month-end andnoending 31, 2012, investment options rebalanced on January ofdate each year to match the target allocations for each investment option in effect at the time; and (c) beginning January 1, Website my529.org investment options,returns performance returnsonshown above assume that value of2 Average 2013, investment are based the aggregate market the investment reflect thewith actual investment rebalancing that takes place on the birthday of each beneficiary For Annualized options, Returns forwhich investment options an inception date in the these and1,the reasons stated above, returns in an individual account will not those shown in the tables (a) priorreasons to January 2007, the investment optionsthe didactual not rebalance; past 12 months are cumulative andmatch non-annualized Hours Monday through Friday, The age brackets in the age-based investment options were changed3 The on inception July 14,date 2017 number of agewas brackets is theOn firstthat date date, that (a)the the investment option offered was increased and the investment allocation for each age bracket (b) 1, 2007, andoption endingperformance December 31,shown 2012, in the table reflects wasbeginning changed.January The investment the historical performance returns for the corresponding age bracket thatto existed before 7 a.m p.m MTJuly 14, 2017 For more and/or received a contribution, or (b) the underlying fund was offered as part of investment options rebalanced January of each year to match information, see the ProgramonDescription either the Customized Age-Based or Customized Static investment options Past performance does not guarantee future results Mailing Address PO Box 145100 the target allocations for each investment option in effect at the time; The age brackets in the age-based investment options shown in the table were Notes and (c) beginning January 1, 2013, investment returns are based on Salt Lake City, UT 84114-5100 changed on July 14, 2017 Investment option performance before this date Year-to-date calculations areinvestment based onoptions, a calendar to the current month-end date the aggregate market value of the whichyear; reflectJanuary reflects the returns for the corresponding age bracket that existed prior to Average Annualized Returnsthat for takes investment with an date in the past 12 months are cumulative and non-annualized my529’s historical and monthly returns are available the actual investment rebalancing place onoptions the birthday of inception Julyoffered 14, 2017.and/or received a contribution, or (b) the underlying fund was offered as part of either the Customized Age-Based The inception date is the first date that (a) the investment option was online at my529.org eachorbeneficiary ForStatic these reasons and the reasons stated above, the Option was closed to new investments as of August 24, 2011, and performance Customized investment options The age brackets in the account age-based investment options changed 14, 2017 Investment actual returns in an individual will not match those shownshown in in thewilltable displaywere as “NA” when thereonareJuly no accounts remaining in an age option band performance before this date reflects the returns for the age bracket existed prior to July 14, were 2017 Closed to new investments beginning on July 25, 2011 the corresponding tables The age brackets in the that age-based investment options Option was closed to new investments as of August 24, 2011, and performance will display “NA” there are accounts Public Treasurers’ Investment Fund isasa pool of when money managed by no the Utah state remaining in an age band changed on July 14, 2017 On that date, the number of age brackets Closed to new investments beginning on July 25, 2011 treasurer in short-term investments Closed to new investments as an underlying was increased and the investment allocation bracketmanaged by the Utah state treasurer in short-term investments Closed to new investments as an underlying investment in the Public Treasurers’ Investment Fund isfor a each pool age of money in the Age-Based and Customized Static investment and Customized beginning on Customized July 25, 2011 wasCustomized changed TheAge-Based investment option performanceStatic showninvestment in the table optionsinvestment options beginning on July 25, 2011 reflects the historical performance returns for the corresponding https://my529.org/performance-returns/ 2/26