Kentucky Education Savings Plan Trust

Do More With Your KESPT Account

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You took the first step to prepare for your child's college education when you opened your KESPT Account. Don't stop there. Consider making an additional contribution today. Greater contributions now may mean you can actually invest less over the long term to meet your savings goal. This may not be the case if you have negative performance. See how this works.

If you haven't already, consider setting up an Automatic Contribution Plan (PDF, 157KB) or Payroll Deduction Plan (PDF, 45KB), if your employer allows. These two options make it easy for you to contribute on a regular basis.

And did you know that you can set-up an account for an additional beneficiary and change address or e-mail address online?

Log-in to my account.

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WE'RE HERE TO HELP

Are your savings keeping up?
Use our calculator to see how much more you need to contribute to meet your savings goal.

If you would like to receive KESPT updates, please provide us with your contact information.

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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.