Utah Educational Savings Plan

Low Fees

UESP's fee structure has three parts. Click the fee name to learn more:

Vanguard and Dimensional charge an operating expense ratio for each underlying mutual fund. There is no expense ratio for the Public Treasurers’ Investment Fund and the FDIC-insured accounts. UESP’s Administrative Asset Fee and Administrative Maintenance Fee cover UESP’s operating expenses and are calculated based on an account's balance on the last business day of each month that both UESP and the New York Stock Exchange are open.

For age-based and static investment options, the total annual asset-based fees range from 0.160 to 0.224 percent. This includes the underlying fund operating expense ratios, if any, and the 0.140 to 0.180 percent Administrative Asset Fee. Utah residents invested in the Public Treasurers’ Investment Fund are not charged the Administrative Asset Fee.

For customized investment options, the total annual asset-based fees vary between 0.200 to 0.603 percent depending on the underlying investments the account owner/agent selects. This includes the underlying fund operating expense ratios, if any, and the 0.200 percent Administrative Asset Fee.

To determine the total fees on each account, click the following:

Compare the approximate cost of investing in UESP over different periods of time using the UESP Approximate Cost of a $10,000 Investment Table.

Underlying Fund Operating Expense Ratios

Vanguard and Dimensional charge an operating expense ratio for each underlying mutual fund. Vanguard and Dimensional expense ratios do not appear on UESP quarterly account statements because the fees are deducted from the applicable underlying fund by Vanguard or Dimensional (and because an account owner does not own shares in the Vanguard or Dimensional mutual funds). The performance and market values of a UESP account are net of any fund expense ratios.

The following operating expense ratios apply to the Vanguard and Dimensional funds included as underlying investments in UESP.

To view the Fund Fact Sheet or Prospectus click the information icon next to the fund.

  Ticker Symbol Operating Expense Ratio Prospectus Date Fund Fact Sheet Prospectus
Vanguard Funds
VG Institutional Total Stock Market Index Fund VITPX 0.020% March 28, 2013 VITPX Fact Sheet VITPX Prospectus
VG Institutional Index Fund VIIIX 0.020% March 28, 2013 VIIIX Fact Sheet VIIIX Prospectus
VG Value Index Fund1 VIVIX 0.080% August 12, 2013 VIVIX Fact Sheet VIVIX Prospectus
VG Growth Index Fund1 VIGIX 0.080% August 12, 2013 VIGIX Fact Sheet VIGIX Prospectus
VG Mid-Cap Index Fund VMCPX 0.060% August 12, 2013 VMCPX Fact Sheet VMCPX Prospectus
VG Small-Cap Index Fund VSCPX 0.060% August 12, 2013 VSCPX Fact Sheet VSCPX Prospectus
VG Small-Cap Value Index Fund1, 2 VSIIX 0.080% August 12, 2013 VSIIX Fact Sheet VSIIX Prospectus
VG Small-Cap Growth Index Fund1, 2 VSGIX 0.080% August 12, 2013 VSGIX Fact Sheet VSGIX Prospectus
VG Total International Stock Index Fund VTPSX 0.100% February 27, 2014 VTPSX Fact Sheet VTPSX Prospectus
VG Developed Markets Index Fund VDIPX 0.060% April 7, 2014 VDIPX Fact Sheet VDIPX Prospectus
VG International Value Fund2, 3 VTRIX 0.430% February 26, 2014 VTRIX Fact Sheet VTRIX Prospectus
VG International Growth Fund1, 2 VWILX 0.350% December 23, 2013 VWILX Fact Sheet VWILX Prospectus
VG Emerging Markets Stock Index Fund2 VEMRX 0.100% February 27, 2014 VEMRX Fact Sheet VEMRX Prospectus
VG Total Bond Market Index Fund VBMPX 0.050% August 20, 2013 VBMPX Fact Sheet VBMPX Prospectus
VG Short-Term Investment-Grade Fund VFSIX 0.070% May 30, 2013 VFSIX Fact Sheet VFSIX Prospectus
VG Short-Term Bond Index Fund VBIPX 0.050% August 20, 2013 VBIPX Fact Sheet VBIPX Prospectus
VG Short-Term Inflation-Protected Securities Index Fund1 VTAPX 0.100% January 28, 2014 VTAPX Fact Sheet VTAPX Prospectus
VG Total International Bond Index Fund1 VTABX 0.200% February 27, 2014 VTABX Fact Sheet VTABX Prospectus
Dimensional Funds
Global Equity Portfolio1, 4 DGEIX 0.310% February 28, 2014 DGEIX Fact Sheet DGEIX Prospectus
U.S. Large Cap Value Portfolio1 DFLVX 0.270% February 28, 2014 DFLVX Fact Sheet DFLVX Prospectus
U.S. Small Cap Value Portfolio1, 2 DFSVX 0.520% February 28, 2014 DFSVX Fact Sheet DFSVX Prospectus
DFA Real Estate Securities Portfolio1, 2, 4 DFREX 0.180% February 28, 2014 DFREX Fact Sheet DFREX Prospectus
DFA International Value Portfolio1, 2 DFIVX 0.430% February 28, 2014 DFIVX Fact Sheet DFIVX Prospectus
DFA One-Year Fixed Income Portfolio1 DFIHX 0.170% February 28, 2014 DFIHX Fact Sheet DFIHX Prospectus
  1. The fund is available in the Customized Age-Based and Customized Static investment options only.
  2. An investment allocation to this fund may not exceed 25 percent in an account. For the Customized Age-Based investment option, this cap applies to the allocation for each age bracket. Therefore, the total operating expense ratio will reflect the weighted allocation to the underlying investments.
  3. The fund was available in the Customized Static investment option only and was closed to new investments beginning on July 25, 2011. However, upon making an investment option change, the 25 percent allocation cap in an account will apply.
  4. The total operating expense ratio reflects a fee waiver pursuant to a Fee Waiver Agreement in effect through February 28, 2015.