Utah Educational Savings Plan

Customized Investment Option Calculators

Customized investment options must be established through Account Access. You may go directly there or follow the steps below to create and apply an allocation to your account:

  1. Click either the Customized Age-Based Allocation and Fee Calculator or the Customized Static Allocation and Fee Calculator headings, then fill out the Allocation Table.
  2. Print the completed Allocation Table by clicking the Print Page button at the bottom of the page.
  3. Log in to Account Access.
  4. Use the printed table for reference while creating your customized investment allocation.

To determine fees associated with all other investment options, view the UESP Asset Fee Structure Table.

Click Here to View the Customized Age-Based Allocation and Fee Calculator
Use this Allocation Table to determine the fees for any given Customized Age-Based investment. For each underlying fund you include in your custom allocation, enter a whole percentage in the appropriate row. The impact of the allocation on the fees is shown below in the Fee Calculator Table.

Allocation Table

Underlying Funds Age
0-3
Age
4-6
Age
7-9
Age
10-12
Age
13-15
Age
16-18
Age
19+ or
College
Enrolled
Global Allocations
DFA Global Equity Portfolio Learn more about DGEIX
DFA Global Allocation 60/40 Portfolio Learn more about DGSIX
DFA Global Allocation 25/75 Portfolio Learn more about DGTSX
DFA Five-Year Global Fixed Income Portfolio Learn more about DFGBX
Subtotal for Global Equity 0% 0% 0% 0% 0% 0% 0%
Domestic Equity
Vanguard Institutional Total Stock Market Index Fund Learn more about VITPX
Vanguard Institutional Index Fund Learn more about VIIIX
Vanguard Value Index Fund Learn more about VIVIX
DFA U.S. Large Cap Value Portfolio Learn more about DFLVX
Vanguard Growth Index Fund Learn more about VIGIX
Vanguard Mid-Cap Index Fund Learn more about VMCPX
Vanguard Small-Cap Index FundLearn more about VSCPX
Vanguard Small-Cap Value Index Fund* Learn more about VSIIX
DFA U.S. Small Cap Value Portfolio* Learn more about DFSVX
Vanguard Small-Cap Growth Index Fund* Learn more about VSGIX
DFA Real Estate Securities Portfolio* Learn more about DFREX
Subtotal for Domestic Equity 0% 0% 0% 0% 0% 0% 0%
International Equity
Vanguard Total International Stock Index Fund Learn more about VTPSX
Vanguard Developed Markets Index Fund Learn more about VDIPX
DFA International Value Portfolio* Learn more about DFIVX
Vanguard International Growth Fund* Learn more about VWILX
Vanguard Emerging Markets Stock Index Fund*Learn more about VEMRX
Subtotal for International Equity 0% 0% 0% 0% 0% 0% 0%
Domestic Fixed Income
Vanguard Total Bond Market Index Fund Learn more about VBMPX
Vanguard Short-Term Investment-Grade Fund Learn more about VFSIX
Vanguard Short-Term Bond Index Fund Learn more about VBIPX
Vanguard Short-Term Inflation-Protected Securities Index Fund Learn more about VTSPX
DFA One-Year Fixed Income Portfolio Learn more about DFIHX
Subtotal for Domestic Fixed Income 0% 0% 0% 0% 0% 0% 0%
International Fixed Income
Vanguard Total International Bond Market Fund Learn more about VTIFX
Subtotal for International Fixed Income 0% 0% 0% 0% 0% 0% 0%
Cash Equivalent
FDIC-Insured Accounts Learn more about our FDIC-insured savings account
Subtotal for Cash Equivalent 0% 0% 0% 0% 0% 0% 0%
Total Allocation (must equal 100%) 0% 0% 0% 0% 0% 0% 0%

*An investment allocation to this fund may not exceed 25 percent in the 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 investment.

Fee Calculator Table

Beneficiary Age Allocation Summary Total
Allocation
Est.
Underlying
Fund
Expense
Ratio
UESP
Admin
Asset Fee
Est. Total
Annual
Asset-Based
Fee
Age 0-3   0% 0.000% 0.20% 0.200%
Age 4-6   0% 0.000% 0.20% 0.200%
Age 7-9   0% 0.000% 0.20% 0.200%
Age 10-12   0% 0.000% 0.20% 0.200%
Age 13-15   0% 0.000% 0.20% 0.200%
Age 16-18   0% 0.000% 0.20% 0.200%
Age 19+ or
College Enrolled
  0% 0.000% 0.20% 0.200%

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

The total operating expense ratio for the DFA Global Equity Portfolio, DFA Global Allocation 60/40 Portfolio, DFA Global Allocation 25/75 Portfolio, and the DFA Real Estate Securities Portfolio reflect a Fee Waiver Agreement in effect through February 28, 2017. The total operating expense ratio may increase if the Fee Waiver Agreement is not extended beyond February 28, 2017.


Click Here to View the Customized Static Allocation and Fee Calculator
Use this Allocation Table to estimate the fees associated with accounts in the Customized Static investment option. For each underlying fund you include in your custom allocation, enter a whole percentage in the appropriate row. The impact of the allocation on the fees is shown below in the Fee Calculator Table.

Allocation Table

Underlying Funds Percent
Allocated to
Each Fund
Underlying
Fund
Expense
Ratios
Estimated
Expense Ratio
By Fund
Global Allocations
DFA Global Equity Portfolio Learn more about DGEIX x   =  
DFA Global Allocation 60/40 Portfolio Learn more about DGSIX x   =  
DFA Global Allocation 25/75 Portfolio Learn more about DGTSX x   =  
DFA Five-Year Global Fixed Income Portfolio Learn more about DFGBX x   =  
Subtotal for Global Equity 0%    
Domestic Equity
Vanguard Institutional Total Stock Market Index Fund Learn more about VITPX x   =  
Vanguard Institutional Index Fund Learn more about VIIIX x   =  
Vanguard Value Index Fund Learn more about VIVIX x   =  
DFA U.S. Large Cap Value Portfolio Learn more about DFLVX x   =  
Vanguard Growth Index Fund Learn more about VIGIX x   =  
Vanguard Mid-Cap Index Fund Learn more about VMCPX x   =  
Vanguard Small-Cap Index Fund Learn more about VSCPX x   =  
Vanguard Small-Cap Value Index Fund* Learn more about VSIIX x   =  
DFA U.S. Small Cap Value Portfolio* Learn more about DFSVX x   =  
Vanguard Small-Cap Growth Index Fund* Learn more about VSGIX x   =  
DFA Real Estate Securities Portfolio* Learn more about DFREX x   =  
Subtotal for Domestic Equity 0%    
International Equity
Vanguard Total International Stock Index Fund Learn more about VTPSX x   =  
Vanguard Developed Markets Index Fund Learn more about VDIPX x   =  
DFA International Value Portfolio* Learn more about DFIVX x   =  
Vanguard International Growth Fund* Learn more about VWILX x   =  
Vanguard Emerging Markets Stock Index Fund* Learn more about VEMRX x   =  
Subtotal for International Equity 0%    
Domestic Fixed Income
Vanguard Total Bond Market Index Fund Learn more about VBMPX x   =  
Vanguard Short-Term Investment-Grade Fund Learn more about VFSIX x   =  
Vanguard Short-Term Bond Index Fund Learn more about VBIPX x   =  
Vanguard Short-Term Inflation-Protected Securities Index Fund Learn more about VTSPX x   =  
DFA One-Year Fixed Income Portfolio Learn more about DFIHX x   =  
Subtotal for Domestic Fixed Income 0%    
International Fixed Income
Vanguard Total International Bond Index Fund Learn more about VTIFX x   =  
Subtotal for International Fixed Income 0%    
Cash Equivalent
FDIC-Insured Accounts Learn more about our FDIC-insured savings account x 0.000% =  
Subtotal for Cash Equivalent 0%    
Total Allocation (must equal 100%) 0%  

* An investment allocation to this fund may not exceed 25 percent in the account. Therefore, the total operating expense ratio will reflect the weighted allocation to the underlying investment.

Fee Calculator Table

Allocation Summary Total
Allocation
Est.
Underlying
Fund
Expense
Ratio
UESP
Admin
Asset Fee
Est. Total
Annual
Asset-Based
Fee
  0% 0.000% 0.20% 0.200%

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

The total operating expense ratio for the DFA Global Equity Portfolio, DFA Global Allocation 60/40 Portfolio, DFA Global Allocation 25/75 Portfolio, and the DFA Real Estate Securities Portfolio reflect a Fee Waiver Agreement in effect through February 28, 2017. The total operating expense ratio may increase if the Fee Waiver Agreement is not extended beyond February 28, 2017.


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Annual Administrative Mail Delivery Fee

The UESP Administrative Mail Delivery Fee is an annual fee of $2 per $1,000 of an account balance and is capped at $12. It is charged monthly on an account’s balance. The Administrative Mail Delivery Fee does not apply to Utah residents. It also does not apply to non-Utah residents who elect to view their quarterly account statements, Program Description, Program Description Supplements, newsletters, and all other UESP communications online rather than receiving them in the U.S. mail.