Utah Educational Savings Plan

Investment Info

The Utah Educational Savings Plan (UESP) offers a variety of investment choices, which lets you choose your own investment strategy. For example, you might choose an investment option that takes advantage of the equity funds if you are starting early and have a longer amount of time to save. Or you may prefer to get started with a more conservative choice if you are close to needing the funds for college and want to reduce the risk of losing contributions and earnings. Click the investment information you want to learn more about.

  • Investment Returns

    Access current and historical performance returns for UESP investment options. » Learn More

  • Investment Options

    UESP offers 14 investment options, with each investment option utilizing a distinct investment strategy. » Learn More

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  • Customized Investment Option Calculators

    Use these Allocation Tables to determine the fees for any given Customized investment option. » Learn More

  • Fees & Expenses

    UESP's fee structure has three components: the operating expense ratio of the investments, the UESP Administrative Asset Fee, and the UESP Administrative Maintenance Fee. UESP does not charge an enrollment or application fee. » Learn More

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  • Underlying Investments

    UESP invests in a combination of Vanguard and Dimensional funds, the Public Treasurers’ Investment Fund, and the FDIC-insured accounts held in trust at Sallie Mae Bank and U.S. Bank. » Learn More

  • Definitions

    Understanding the terms associated with investing in UESP will help you choose your investment strategy. » Learn More

 
 

Important Legal Notice

You should read the Program Description and consider all investment objectives, risks, charges, and expenses before investing. The Program Description is available for download on the web or a hard copy can be mailed to you by requesting it online here.

FDIC Insurance. Except for the underlying investment specified below, investments in UESP are not insured by the Federal Deposit Insurance Corporation (FDIC). FDIC insurance, up to applicable limits, is provided for the FDIC-insured accounts held in trust by UESP at Sallie Mae Bank and U.S. Bank National Association (U.S. Bank) (collectively Banks). Contributions to and earnings on the FDIC-insured accounts are allocated between the Banks according to the following percentages: Sallie Mae Bank (90 percent) and U.S. Bank (10 percent). Money in the FDIC-insured accounts is insured by the FDIC on a pass-through basis to each account owner at each Bank up to the maximum amount set by federal law, which is $250,000. The amount of FDIC insurance provided to an account owner is based on the total of (1) the value of an account owner’s investment in the FDIC-insured account at each Bank plus (2) the value of other accounts held (if any) at each Bank, as determined by the Banks and by FDIC regulations.

No Other Insurance and No Guarantees. Investments in UESP are neither insured nor guaranteed by the State of Utah, UESP, the Utah State Board of Regents, the Utah Higher Education Assistance Authority, other state agencies, federal government agencies (except to the extent noted above regarding FDIC insurance), or any employees or directors of any such entities. Units in UESP have not been registered with the United States Securities and Exchange Commission or with any state securities commission.

Account Value. The value of your UESP account may vary depending on market conditions and the performance of the UESP investment option you select. It could be more or less than the amount you contribute; in short, your investment could lose value. However, subject to the application of the rules and regulations of the Banks and the FDIC to each account owner, money in the FDIC-insured accounts will retain its value, whether in the FDIC-Insured investment option or when allocated to portions of another investment option that have the FDIC-insured accounts included as an underlying investment.

Non-Utah Taxpayers and Residents. You should determine whether the state in which you or your beneficiary pay taxes or live offers a 529 plan that provides state tax or other benefits not otherwise available to you by investing in UESP. You should consider such state tax treatment and benefits, if any, before investing in UESP.