Features and benefits of NEST 529.

As far away as it may seem right now, your child will be ready for college in no time. Investing in higher education can make all the difference in the life your child or grandchild will lead. Invest with one of the most customer-focused 529 Plans – the NEST Direct Plan.

1 You're in control 24-hours a day
You can open an account in under 10 minutes and invest in and manage your account easily online. Using the secure website you can contribute, see balances, manage your account and make a qualified withdrawal. You can even make saving easy with automatic contributions from your bank account or paycheck. Learn more

2 Worthwhile tax advantages
Earnings on your investment grow tax-deferred while invested, and are tax-free if used for qualified higher education expenses1 at both a federal and state level. Contributions qualify for the federal gift tax exclusion up to $14,000. Learn more

3 State tax benefits
You may also be eligible for state tax or other benefits.* Learn more

4 Use anywhere
Use your funds at virtually any accredited post-secondary public or private school in the United States and some abroad, including two-year or four-year technical, graduate or professional schools.2

5 Top rated
NEST 529 Direct is consistently recognized by national experts and praised by mom and dad.3

6 You can afford to save
There's no minimum deposit or ongoing contribution requirements, and no application fee or annual account fee. And there are no income or residency requirements. Save as little or as much as you can…the sooner you start, the better!

 

7 Anyone can invest for anyone
You can invest for your child, grandchild, niece or nephew, friend, spouse and even for yourself as long as the beneficiary is expected to use funds for higher education.

8 Investment choices to match your savings strategy
Our investment experts have created a low-expense, multi-manager plan just for college savers, made up of respected investment managers from well-known fund families such as Vanguard, State Street, T. Rowe Price and iShares. Your savings portfolio can be as simple or as customized as you like. Age-Based Options simplify the investment process or you can create your own custom portfolio. Learn more

9 Great ways to grow your savings
Our scholarships, contests and drawings give you great opportunities to increase your savings with a deposit from NEST. And, you can always provide an easy way for your family and friends to give a gift contribution to your account. Learn more

10 Flexible
You can change beneficiaries at any time and unused funds can be reallocated to other members of the family as long as the new beneficiary is a member of the family of the former beneficiary.4

*Investors should consider before investing whether their or their beneficiary's home state offers any state tax or other benefits that are only available for investments in such state's qualified tuition program and should consult their tax advisor, attorney and/or other advisor regarding their specific legal, investment or tax situation.

1 Qualified higher education expenses include tuition, fees, textbooks, supplies and equipment required for enrollment or attendance and certain room and board expenses at an eligible educational institution. If you do not use the assets in your account for qualified expenses, the earnings portion of the withdrawal could be subject to federal, state and local taxes. If you do not use the assets in your account for qualified expenses, the earnings portion of the withdrawal is subject to federal income tax and an additional 10% federal tax and may be subject to state and local taxes.

2 An eligible school includes accredited post-secondary educational institutions or vocational schools. See www.fafsa.ed.gov.

3 5 Caps (highest rating) at savingforcollege.com

4 A "member of the family" includes a son, daughter, stepson or stepdaughter (natural, adopted or foster), or a descendant of any such person; a brother, sister, stepbrother, or stepsister; the father or mother, or an ancestor of either; a stepfather or stepmother; a son or daughter of a brother or sister (or half-brother and half-sister); a brother or sister of the mother; a son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law, or sister-in-law; the spouse of the beneficiary or the spouse of any individual described above; or a first cousin of the beneficiary.