Kentucky Education Savings Plan Trust

Low Cost

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With KESPT, there are no sales charges, start-up or maintenance fees. A total annual asset-based management fee will be paid to TIAA-CREF Tuition Financing, Inc. (TFI) to cover the cost of investment management and administrative services. TFI is an affiliate of TIAA-CREF Individual & Institutional Services, LLC. This fee is computed at an annual rate of less than one percent depending on the investment option (ranging from 0.58% to 0.91%) 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 Kentucky Education Savings Plan Trust, but not to account owners or beneficiaries. No other fees or charges will be applied to your account. See fee table and sample investment cost. Please note, however, that the Trustee 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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WE'RE HERE TO HELP

Read more about KESPT'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).

Check out our FAQ and read the KESPT's Disclosure Booklet and Participation Agreements (PDF, 435KB).

Learn how to transfer funds from another 529 College Savings Plan

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The tax information contained on the Kentucky Education Savings Plan Trust (the 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 Plan is administered by the Kentucky Higher Education Assistance Authority. TIAA-CREF Tuition Financing, Inc. (TFI) serves as Program Manager.

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 Plan. Please call toll-free 1-877-KY TRUST (1-877-598-7878) 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 Commonwealth of Kentucky, 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 Kentucky 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 Plan 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 Plan Web site contains links to other Web sites. Neither the Plan Trust nor TFI 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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© 2010 TIAA-CREF Tuition Financing Inc.