With Scholar s Edge, New Mexico s 529 College Savings Plan, You Can Get an Edge When You Save for College.
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3 With Scholar s Edge, New Mexico s 529 College Savings Plan, You Can Get an Edge When You Save for College. Table of Contents Edge 1 A 529 Plan that s almost as smart as your child Edge 2 Potentially save more and borrow less Edge 3 Potential tax benefits that make saving easier Edge 4 Choose your own investments
4 Edge 1 A 529 Plan that s almost as smart as your child
5 Why should I open a Scholar s Edge 529 College Savings Plan? For the vast majority of families, paying for a child s college education is rarely an all or nothing proposition. Because only a select few students receive full scholarships, most families typically take a three-pronged approach: Savings Financial Aid Student Loans By incorporating a tax-advantaged 529 plan such as Scholar s Edge into your family s overall financial plan, you can take a smart, pragmatic approach toward this important goal. Money you invest in a 529 college savings plan has the opportunity to grow tax-free and may also benefit from compounded growth. In other words, your earnings may generate additional earnings and help your account grow faster. And remember, you don t have to save the entire amount, but the more you are able to save in advance, the less you or your child will have to borrow through student loans later. Any U.S. resident who is at least 18 years old can open an account. Once the account is open, anyone can contribute, including grandparents. The money invested in a 529 college savings plan can be used to pay for qualified higher education expenses. With Scholar s Edge you choose: How much you contribute Your investment approach When and how your savings are used
6 Edge 2 A 529 Plan that potentially allows you to save more and borrow less
7 You have the control As the account owner, the plan is in your name, so you and you alone retain control. If your beneficiary opts out of college, you can change it to another child without penalty. 1 Starting early and saving often gives you an edge toward funding a college education. This chart demonstrates how saving more may lower your total out-of-pocket costs for a 4-year college education. Making smart choices today can have a positive impact on the real cost of college tomorrow. Saving even a modest amount $120K $115,752 $107,678 $100K total estimated cost of a 4-year college education each month in a 529 college savings plan can be an effective strategy to reduce or eliminate your reliance on student loans, which can substantially add to your out-of-pocket costs. Plus, every dollar saved may amount to more than a dollar earned because your investment in a 529 college savings plan has the opportunity to benefit from possible compounded earnings that may also grow tax free over time. Total out-of-pocket cost $90K $60K $30K $5,400 $87,940 $20,520 $60,128 $41,040 How much to contribute? You can create an account with just $25 if you set up a monthly automatic contribution plan, which transfers a set amount per month to your account. 2 Otherwise, the minimum to open an account is $250, or $1,000 should you and your financial advisor opt for Portfolio Allocator. The more you save, the more likely you are to avoid unnecessary debt. 3 $0 Total out-of-pocket cost $0 $25 $95 $190 Monthly amount contributed to a tax-advantaged account Monthly amount contributed to a tax-advantaged account All four scenarios show the out-of-pocket cost based on an estimated $100,000 4-year college education at a public university. These scenarios also assume the receipt of approximately $25,000 in financial aid, which will vary depending upon how much is accumulated in a tax-advantaged account. The loan portion assumed in each column is calculated to include a fixed interest rate of 6.2 to be repaid over 180 months as defined by Sallie Mae (that s like paying off a 15-year mortgage) following graduation with 54 monthly payments of $25 made during college. All savings in the tax-advantaged account depicted in this chart assume monthly compounded growth from the beneficiary s birth until age 18. Source: OppenheimerFunds The hypothetical examples are for illustrative purposes only and do not predict or depict the performance of any specific investment. Actual results may vary. 1. Depending on who the new beneficiary is, there may be gift or generation-skipping tax consequences. Your investment professional can provide more information. See the Plan description and Participation Agreement for more information. Consult your tax advisor about how 529 tax treatment would apply to your situation. 2. Systematic investment plans do not assure a profit nor guarantee against loss in declining markets. Before investing, investors should evaluate their long-term financial ability to participate in such a plan. 3. You can contribute a maximum of $500,000 per beneficiary. All assets, including earnings, under all 529 plan accounts established in any New Mexico-sponsored 529 plan for the benefit of a particular beneficiary must be aggregated when applying this limit. New contributions will not be allowed once this limit is reached. Earnings, however, will continue to accrue.
8 Edge 3 A 529 Plan with potential tax benefits that make saving easier
9 Another way to save. New Mexico residents can take advantage of state tax deductions when investing in Scholar s Edge. 4 Residents of several other states may also be eligible for a state tax deduction from their own state when investing in Scholar s Edge. 5 Regardless of where your child lives or plans to go to school, you can take advantage of the many benefits of Scholar s Edge. Tax-free gifting. Saving for college with Scholar s Edge may bring a wealth of tax benefits. Investments may grow faster than those in comparable taxable accounts. Withdrawals are free from federal taxes, and from state taxes where applicable, as long as the money is used for qualified higher education expenses. 7 Benefits of tax-free growth Scholar s Edge has gift and estate planning advantages. Parents and grandparents can contribute $14,000 per child in a single year ($28,000 per couple). You can also take advantage of five years worth of tax-free gifts at once. 6 Completed gifts are removed from your estate for tax purposes, so the money goes toward the child s education, not taxes. 6 This hypothetical illustration assumes an initial investment of $10,000 and a annual rate of return. The taxable account assumes a 28% federal and state tax rate. You should consult with your tax advisor to determine if this applies in your state of residence. The illustration does not represent the performance of any specific account or investment and does not reflect any plan fees or sales charges that may apply. If such fees or sales charges were taken into account, returns would have been lower. 4. New Mexico residents who invest in Scholar s Edge can deduct their contributions from their taxable New Mexico income. When it s time to withdraw the funds, New Mexico residents won t owe state taxes as long as the assets are used for qualified higher education expenses. 5. Some states restrict favorable tax treatments to residents who invest in their state s own plan. Before investing through Scholar s Edge, find out if your home state offers any state tax or other benefits that are available only for investments in that state s 529 plan. States that offer tax parity include Arizona, Kansas, Minnesota, Missouri, Montana, and Pennsylvania. Source : August Account owners cannot make another tax-free gift to the same beneficiary for five years from the original contribution. If the account owner dies within five years of the funding date, a prorated portion of the contribution allocable to the remaining years in the five-year period, beginning with the year after the contributor s death, will be included in his or her estate for federal estate purposes. Consult your tax advisor for information about how 529 tax treatment would apply to your situation. 7. If money in a 529 account is used for non-qualified purposes, the earnings portion of the withdrawal will be subject to ordinary federal income tax, plus an additional federal income tax and any applicable state income tax.
10 Edge 4 A 529 Plan that let s you choose your own investments More options means more flexibility. Scholar s Edge is a smart option for parents seeking to grow their child s college fund as it offers a suite of distinct investment approaches. With the Age Based, Custom Choice and Portfolio Allocator approaches, you can tailor your portfolio to suit your risk tolerance and growth requirements. Option 1: Age Based Tracks This approach contains three age based tracks: Aggressive, Growth and Balanced. Each track is designed to allow you to more closely align your college savings goals with your risk tolerance and return expectations. As your child grows older, the money in the account automatically shifts to increasingly conservative portfolios. Aggressive The equity to fixed income and money market fund allocations are modestly higher than industry averages in the early years. 5 % 4 4 Portfolio 100 Portfolio 80 Portfolio 60 Portfolio 40 Portfolio 20 Portfolio 10 Ages 0-5 Ages 6-8 Ages 9-11 Ages Ages Ages 18+ Growth The equity to fixed income and money market fund allocations are modestly lower than the industry averages. 3 % 3 % Portfolio 80 Portfolio 60 Portfolio 40 Portfolio 20 Portfolio 10 Ages 0-5 Ages 6-8 Ages 9-11 Ages Ages Balanced The equity to fixed income and money market fund allocations are meaningfully lower than the industry averages % % 3 % 1 % 5 % 1 % 2 % % 5 % 3 30% % % 1 % 2 % 3 48% 6 30% 5 % % 8% 1 5 % 1 % 48% 5 % 5 % % 8% 1 3 % 8% 1 % 6 1 % % 1 1 % 3 % 8% 1 % % 8% 1 % 6 8 Fixed Income Portfolio Ages % 2 % 2 % Portfolio 60 Portfolio 40 Portfolio 20 Portfolio 10 Ages 0-5 Ages 6-8 Ages 9-11 Ages Fixed Income Low Duration Fixed Portfolio Income Portfolio Ages Ages 18+ Domestic Equity Low Volatility Global & International Equity Real Estate MLP Fixed Income Money Market
11 Option 2: Custom Choice This approach allows you and your financial advisor to design an investment strategy that is more tailored to your needs and your risk tolerance. You can mix and match any combination of available portfolios with any of the Individual Fund Portfolios listed on the next page of this brochure % 1 8% % % 1 8% Portfolio 100 Portfolio 100 Portfolio Portfolio 80 Portfolio Invests all assets in equities. Invests in a combination of equity and fixed income to Invests 1 in a combination of equity 1 1. and fixed income to Portfolio 100 seek capital appreciation and income. Portfolio 80. seek capital appreciation Portfolio and income Portfolio 100 Portfolio 100 Portfolio 80. Portfolio Portfolio Portfolio % % %.. 8% 4. 8% % 1 8% % 1. 8% Portfolio Portfolio 20 Portfolio Portfolio 40 Portfolio 40 Portfolio 20Portfolio 20 Portfolio 10 Invests in a combination of equity, fixed income Invests in a combination of equity, fixed income and money Invests in a combination of equity, fixed income and money and money market Portfolio investments 40to seek capital 1 Portfolio 40 market investments Portfolio to 20 seek capital appreciation Portfolio 1 and 20 income. Portfolio market 10 investments to seek income and principal protection. Portfolio 10 appreciation and income Fixed Income Portfolio Low Duration 9 Capital 9 Preservation Fixed Income Portfolio 2 2 Fixed Income 2 Portfolio Low Duration Portfolio Capital Preservation Fixed Income Portfolio Portfolio Fixed Fixed Income Portfolio Fixed Income Portfolio Low Low Duration Duration Fixed Income Low Portfolio DurationCapital Preservation Capital Capital Preservation Portfolio Invests in a combination of fixed income and Invests Fixed in Income a combination Portfolio of primarily Fixed short Income term fixed Portfolio Portfolio Invests in a combination of Portfolio 5-year investment contracts that money market investments to seek income and income and money market investments to seek income each pay a rate of return, in combination with money market principal protection. with an emphasis on principal protection. investments to seek a competitive rate of interest, which varies over time, along with stability of principal. DOMESTIC EQUITY Oppenheimer Value Fund Dreyfus Research Growth Fund Oppenheimer Main Street Fund Oppenheimer Main Street Mid Cap Fund Oppenheimer Main Street Small Cap Fund LOW VOLATILITY Oppenheimer Capital Income Fund GLOBAL & INTERNATIONAL EQUITY Oppenheimer Developing Markets Fund Oppenheimer International Growth Fund Oppenheimer Global Fund Oppenheimer Global Value Fund REAL ESTATE Oppenheimer Real Estate Fund MLP Oppenheimer SteelPath Select 40 FIXED INCOME American Century Diversified Bond Fund Oppenheimer Total Return Bond Fund Oppenheimer International Bond Fund Oppenheimer Limited-Term Bond Fund Oppenheimer Limited-Term Government Fund Oppenheimer Senior Floating Rate Fund MainStay High Yield Corporate Bond Fund American Century Short Duration Inflation Protected Fund New York Life Insurance Company Funding Agreement MONEY MARKET 9 Oppenheimer Institutional Government Money Market Portfolio 8. Once you invest in a portfolio, your money will remain in that portfolio until you instruct the plan to move it to another portfolio or approach. None of these portfolios is designed to provide any particular total return over any period or investment time horizon. You should work with your financial advisor to determine which portfolios are appropriate to your situation.
12 Individual Fund Portfolios You can choose from any of the Individual Fund Portfolio options listed below along with any of the Age Based and Custom Choice Portfolios and customize your investment allocation even further. 8 Choose from any of the Individual Fund Portfolio options below. DOMESTIC EQUITY Monetta Young Investor Portfolio Dreyfus Research Growth Portfolio Oppenheimer Discovery Portfolio Oppenheimer Dividend Opportunity Portfolio Oppenheimer Value Portfolio Oppenheimer Main Street Portfolio Oppenheimer Main Street Mid Cap Portfolio Oppenheimer Main Street Small Cap Portfolio GLOBAL AND INTERNATIONAL EQUITY Oppenheimer International Small-Mid Company Portfolio Oppenheimer Global Opportunities Portfolio Oppenheimer International Diversified Portfolio Oppenheimer International Growth Portfolio Oppenheimer Developing Markets Portfolio Oppenheimer Global Portfolio Oppenheimer Global Value Portfolio DOMESTIC FIXED INCOME Oppenheimer Limited Term Government Portfolio Oppenheimer Senior Floating Rate Portfolio American Century Diversified Bond Portfolio MainStay High Yield Corporate Bond Portfolio Oppenheimer Limited Term Bond Portfolio GLOBAL FIXED INCOME Oppenheimer Global Strategic Income Portfolio Oppenheimer International Bond Portfolio ALTERNATIVES Oppenheimer Gold and Special Minerals Portfolio Oppenheimer Real Estate Portfolio MULTI ASSET Oppenheimer Capital Income Portfolio MONEY MARKET 9 Oppenheimer Institutional Government Money Market Portfolio 9 8. Once you invest in a portfolio, your money will remain in that portfolio until you instruct the plan to move it to another portfolio or approach. None of these portfolios is designed to provide any particular total return over any period or investment time horizon. You should work with your financial advisor to determine which portfolios are appropriate to your situation. There is always the potential to lose money when you invest in securities. Each underlying investment has its own risks. For example, the prices of small-cap stocks are generally more volatile than large company stocks. There are special risks inherent to international investing, including currency, political, social and economic risks. Investments in growth stocks may be more volatile than other securities. With value investing, if the marketplace does not recognize that a security is undervalued, the expected price increase may not occur. Fixed income investing entails credit and interest rate risks. When interest rates rise, bond prices generally fall, and the underlying investment s or account s value can fall. Diversification does not guarantee a profit or protect against loss. Derivative instruments, investments whose values depend on the performance of an underlying security or asset, interest rate, index or currency, entail potentially higher volatility and risk of loss compared to traditional stock or bond investments. 9. Prior to 9/28/16, the Portfolio s name was Oppenheimer Institutional Money Market Portfolio. You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.
13 Option 3: Portfolio Allocator This approach allows you and your financial advisor to craft your own asset allocation by choosing any of the 26 Individual Fund Portfolios listed on page 9 of this brochure that include options from OppenheimerFunds, MainStay, Monetta, Dreyfus Investments and American Century. With so many attractive options, you ll have no trouble tailoring your account specifically to suit your investment preferences. In addition to a wide selection of investment options, Portfolio Allocator automatically rebalances the account on a quarterly basis to conform to your original asset allocations. This is important because even though the underlying funds will fluctuate in value, your account won t stray from your chosen allocations, as determined by you and your advisor, for very long, if at all, unless you make changes to them. Portfolio Allocator Choose any of the 26 individual fund portfolios available. Portfolio allocator rebalances every quarter
14 Choose to pay less for college, and start saving today. Contact your financial advisor to see how Scholar s Edge may fit into your overall financial plan Visit ScholarsEdge529.com for more information OppenheimerFunds OppenheimerFunds offers investment portfolios in every major asset class through a variety of vehicles including retirement and college saving plans. Our staff of over 2,000 employees includes more than 170 investment professionals, who are committed to serving the needs of the individual and institutional investors and financial advisors who entrust us as the stewards of their capital. The Right Way to Invest We are dedicated to serving the needs of our investors. While markets may change, we believe The Right Way to Invest for our clients remains constant. It is rooted in four simple, but Look to the Long Term We focus on delivering long-term results through active management and seeing opportunities where others may not. Invest with Proven Teams Our portfolio managers are some of the industry s most tenured and successful, guiding portfolios through multiple market cycles. Take Intelligent Risks We recognize that investment rewards are rarely achieved without using risk in an intelligent way. Our deep understanding of risk dynamics helps us as we seek to manage portfolios in line with clients expectations. important principles. Make Global Connections We understand the interconnect edness of worldwide markets and have a proven history of finding rewarding opportunities from across the globe for investors.
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16 This material is provided for general and educational purposes only and is not intended to provide legal, tax or investment advice, or for use to avoid penalties that may be imposed under U.S. federal tax laws. Contact your attorney or tax advisor regarding your specific legal, investment or tax situation. Scholar s Edge is operated as a qualified tuition program offered by The Education Trust Board of New Mexico and is available to all U.S. residents. OFI Private Investments Inc., a subsidiary of OppenheimerFunds, Inc., is the program manager for Scholar s Edge, and OppenheimerFunds Distributor, Inc. is the distributor of Scholar s Edge. Some states offer favorable tax treatment to their residents only if they invest in the state s own plan. Investors should consider before investing whether their or their designated beneficiary s home state offers any state tax or other benefits that are only available for investments in such state s qualified tuition program, such as financial aid, scholarship funds, and protection from creditors. Any state-based benefit offered with respect to a particular 529 College Savings Plan should be one of the many appropriately weighted factors considered in making an investment decision. You should consult with your tax or other advisor to learn more about how state-based benefits (including any limitations) would apply to their specific circumstances. In addition, some states may offer an income tax deduction to any qualified tuition programs. These securities are neither FDIC insured nor guaranteed and may lose value. Before investing in a plan, investors should carefully consider the investment objectives, risks, charges and expenses associated with municipal fund securities. The Plan Description and Participation Agreement contain this and other information about Scholar s Edge and may be obtained by asking your financial advisor, visiting ScholarsEdge529.com or calling SAVE ( ). Investors should read these documents carefully before investing. Account owners do not invest in, and do not have ownership or other rights relating to, the underlying investments. The underlying investments of Scholar s Edge are not deposits or obligations of any bank, are not guaranteed by any bank, are not insured by the FDIC or any other agency, and involve investment risks, including the possible loss of the principal amount invested. Scholar s Edge is distributed by OppenheimerFunds Distributor, Inc., Member FINRA, SIPC. 225 Liberty Street, New York, NY Scholar s Edge and the Scholar s Edge logo are registered trademarks of The Education Trust Board of New Mexico used under license. SE November 17, 2017
With Scholar s Edge, New Mexico s 529 College Savings Plan, You Can Get an Edge When You Save for College.
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