TOMORROW S SCHOLAR. Wisconsin s 529 Plan. ... connecting to the future. Program Description and Participation Agreement.

Size: px
Start display at page:

Download "TOMORROW S SCHOLAR. Wisconsin s 529 Plan. ... connecting to the future. Program Description and Participation Agreement."

Transcription

1 TOMORROW S SCHOLAR Wisconsin s 529 Plan... connecting to the future Program Description and Participation Agreement May 1, 2014 Administrator: The Wisconsin College Savings Program Board

2 Tomorrow s Scholar 529 Plan Administrator: The State of Wisconsin Supplement No. 1 dated October 1, 2014 To the Tomorrow s Scholar 529 Plan Program Description and Participation Agreement dated May 1, 2014 This Supplement amends the Tomorrow s Scholar 529 Plan Program Description and Participation Agreement, dated May 1, 2014, (the Program Description ). You should review this information carefully and keep it with your current copy of the Program Description. Capitalized terms not defined herein have the meanings set forth in the Program Description. Changes to investment options: Effective at the close of business on December 1, 2014,the 1 st paragraph in the box next to Investment options in the section entitled Program summary on page 2 is deleted and replaced with the following: Account owners can choose among 39 Options, including age-based options, static options, and single fund options investing in Voya mutual funds and other mutual funds managed by Baillie Gifford Overseas Ltd. ( Baillie Gifford ), Blackrock Financial Management Inc. ( BlackRock ), CBRE Clarion Securities LLC ( Clarion ), Columbia Management Investment Advisers, LLC ( Columbia ), Delaware Investments Fund Advisors ( Delaware ), Hahn Capital Management, LLC ( HCM ), J.P. Morgan Investment Management Inc. ( JPMorgan ), Lazard Asset Management LLC ( Lazard ), LSV Asset Management ( LSV ), Northern Trust Investments, Inc. ( Northern ), Pacific Investment Management Company LLC ( PIMCO ), Teachers Advisors, Inc. ( TIAA-CREF ), T. Rowe Price Associates Inc. ( T. Rowe Price ), Templeton Investment Counsel, LLC ( Templeton ), Voya Investment Management Co. LLC ( Voya IM ), and Wellington Management Company, LLP ( Wellington ) ). Effective at the close of business on December 1, 2014, the 5 th sentence of the 1 st paragraph of the sub-section entitled Investment options Static allocation Options on page 9 is deleted and replaced with the following: Each Option seeks to obtain its objectives by investing primarily in Voya mutual funds managed by Baillie Gifford, BlackRock, Clarion, Delaware, HCM, JPMorgan, Lazard, LSV, PIMCO, T. Rowe Price, Voya IM, and Wellington that the Board has selected. Changes to Service and Transaction Fees: Effective May 1, 2014, the 4th sentence of the section entitled Fee structure Service and transaction fees on page 23 is deleted and replaced with the following: The annual fee will also be waived, regardless of residency, if the account balance is greater than $25,000 or if there is an AIP or payroll direct deposit of $25 per month in each Option (active for the 12 previous months without interruption) or for accounts established by employees of Voya and its affiliates. Changes to underlying fund details: Effective at the close of business on December 1, 2014, the second paragraph under the sub-section entitled Underlying funds details Voya Multi-Manager Mid Cap Value Fund on page 44 is deleted and replaced with the following: Sub-Adviser: LSV Asset Management; Hahn Capital Management, LLC; and Wellington Management Company, LLP

3 Effective September 30, 2014, the sub-section entitled Underlying funds details Domestic equity underlying funds - Voya Small Company Fund beginning on page 44 is deleted and replaced with the following: Voya Small Company Fund Sub-Adviser: Voya Investment Management Co. LLC Investment Objective: Growth of capital primarily through investment in a diversified portfolio of common stock of companies with smaller market capitalizations. Main Investments: The fund invests at least 80% of its net assets (plus borrowings for investment purposes) in common stocks of small-capitalization companies (defined as those companies included in the S&P SmallCap 600 Index or the Russell 2000 Index) at the time of purchase, or if not included in either index, have market capitalizations that fall within the range of the market capitalizations of companies included in the S&P SmallCap 600 Index or the Russell 2000 Index. The fund may also invest in real estate investment trusts. The fund may invest in derivative instruments including, but not limited to, put and call options. The fund may invest, to a limited extent, in foreign stocks. The fund may invest in other investment companies, including exchange-traded funds, to the extent permitted under the Investment Company Act of 1940, as amended, and the rules, regulations, and exemptive orders thereunder. The fund may lend portfolio securities on a short-term or longterm basis, up to % of its total assets. Main Risks: Company, currency, derivative instruments, foreign investments, investment model, liquidity, market, other investment companies, real estate companies and real estate investment trusts, securities lending, and small-capitalization company. SUP-WI

4 Tomorrow s Scholar 529 Plan Administrator: The State of Wisconsin Supplement No. 2 dated December 2, 2014 To the Tomorrow s Scholar 529 Plan Program Description and Participation Agreement dated May 1, 2014 This Supplement amends the Tomorrow s Scholar 529 Plan Program Description and Participation Agreement, dated May 1, 2014, (the Program Description ) and Supplement No. 1 to the Program Description dated October 1, You should review this information carefully and keep it with your current copy of the Program Description. Capitalized terms not defined herein have the meanings set forth in the Program Description. Effective at the close of business on December 12, 2014, VY PIMCO Bond Portfolio is removed as an underlying investment from all age-based and static allocation options and as a single fund option; and all assets currently allocated to VY PIMCO Bond Portfolio in these options will be allocated to Voya Intermediate Bond Fund. Account owners with investments in VY PIMCO Bond Option will have investments in Voya Intermediate Bond Option at the close of business on December 12, Effective December 12, 2014, all references to VY PIMCO Bond Portfolio and VY PIMCO Bond Option are removed and the following changes are made to the Program Description: Changes to investment options: The 1 st paragraph in the box next to Investment options in the section entitled Program summary on page 2 is deleted and replaced with the following: Account owners can choose among 39 Options, including age-based options, static options, and single fund options investing in Voya mutual funds and other mutual funds managed by Baillie Gifford Overseas Ltd. ( Baillie Gifford ), Blackrock Financial Management Inc. ( BlackRock ), CBRE Clarion Securities LLC ( Clarion ), Columbia Management Investment Advisers, LLC ( Columbia ), Delaware Investments Fund Advisors ( Delaware ), Hahn Capital Management, LLC ( HCM ), J.P. Morgan Investment Management Inc. ( JPMorgan ), Lazard Asset Management LLC ( Lazard ), LSV Asset Management ( LSV ), Northern Trust Investments, Inc. ( Northern ), Teachers Advisors, Inc. ( TIAA-CREF ), T. Rowe Price Associates Inc. ( T. Rowe Price ), Templeton Investment Counsel, LLC ( Templeton ), Voya Investment Management Co. LLC ( Voya IM ), and Wellington Management Company, LLP ( Wellington ). The 5 th sentence of the 1 st paragraph of the sub-section entitled Investment options Static allocation Options on page 9 is deleted and replaced with the following: Each Option seeks to obtain its objectives by investing primarily in Voya mutual funds managed by Baillie Gifford, BlackRock, Clarion, Delaware, HCM, JPMorgan, Lazard, LSV, T. Rowe Price, Voya IM, and Wellington that the Board has selected. The line items for VY PIMCO Bond Portfolio in each of the tables entitled Static Allocation Options beginning on page 10 are deleted and the allocations for Voya Intermediate Bond Fund in the tables are amended as follows: Voya 529 Growth Option Voya 529 Moderate Growth Option Voya Intermediate Bond Fund 22.0% Voya Intermediate Bond Fund 25.0% Voya 529 Moderate Option Voya 529 Moderate Conservative Option Voya Intermediate Bond Fund 30.0% Voya Intermediate Bond Fund 32.0% Voya 529 Conservative Plus Option Voya 529 Conservative Option Voya Intermediate Bond Fund 28.0% Voya Intermediate Bond Fund 27.0% Voya 529 Ultra Conservative Option Voya Intermediate Bond Fund 30.0% 1

5 The following is added to the sub-section entitled Investment options Single Fund Options beginning on page 11: Voya Intermediate Bond Option, through its investments in Voya Intermediate Bond Fund, seeks to maximize total return through income and capital appreciation. Changes to fee structure details: The line item for VY PIMCO Bond in the table entitled Fee structure Estimated annual underlying fund expenses beginning on page 24 is deleted and the following line item is added: Option Estimated Underlying Fund Expenses Voya Intermediate Bond 0.34% The line item for VY PIMCO Bond in the table entitled Fee structure Total estimated annual fees and expenses on page 25 is deleted and the following line item is added: Option No Class Class A Class AR Class C Class C1 Class W Voya Intermediate Bond % N/A N/A 0.52 The line items for VY PIMCO Bond in the table entitled Fee structure Examples of investment costs beginning on page 29 are deleted and the following line items are added: Option Class Number of Years You Own Your Shares 1 Yr 3 Yrs 5 Yrs 10 Yrs A (Sold or Held) $ ,005 1,623 AR (Sold) $ ,263 Voya Intermediate Bond AR (Held) $ ,263 C (Sold) $ ,660 C (Held) $ ,660 W (Sold or Held) $ Changes to underlying fund details: The sub-section entitled Underlying funds details Domestic fixed-income underlying funds - VY PIMCO Bond Portfolio beginning on page 46 is deleted. SUP-WI

6 Tomorrow s Scholar 529 Plan Administrator: The State of Wisconsin Supplement No. 3 dated February 20, 2015 To the Tomorrow s Scholar 529 Plan Program Description and Participation Agreement dated May 1, 2014 This Supplement amends the Tomorrow s Scholar 529 Plan Program Description and Participation Agreement, dated May 1, 2014, (the Program Description ) and portions of prior supplements. You should review this information carefully and keep it with your current copy of the Program Description. Capitalized terms not defined herein have the meanings set forth in the Program Description. SUMMARY OF CHANGES Effective January 1, 2015, the lifetime exemption for Federal gift, estate and generation-skipping transfer taxes was increased to $5,430,000 for each contributor. Effective January 1, 2015, the limit for tax reduction for Wisconsin taxable income was increased to $3,100 per year. Effective January 1, 2015, the limit for changes in investment selection was increased to two times per calendar year for the same beneficiary. Effective at the close of business on February 20, 2015, VY Goldman Sachs Bond Portfolio is added as an underlying investment to the available fund lineup for the static allocation and age-based Options and additional modifications to the investment allocations are made. Effective at the close of business on February 20, 2015, Voya Global Perspectives Option is added as a single fund Option under the Plan. CHANGES TO PROGRAM DESCRIPTION As a result of the above, the Program Description is revised as follows: Changes to Tax treatment - effective January 1, 2015: The 1 st through 3 rd sentences of the 4 th paragraph in the sub-section Tax Treatment - Federal taxation of contributions and withdrawals Federal gift, estate and generation-skipping transfer tax treatment on page 21 are deleted and replaced with the following: In addition, to the extent not previously used, each contributor has a lifetime exemption that will be applied to gifts in excess of the annual exclusion amounts described above. This lifetime exemption is adjusted for inflation and is currently $5,430,000 for each contributor. A married couple may elect to split gifts and apply their combined exemption of $10,860,000. The 4 th and 5 th sentences of the 5 th paragraph in the sub-section Tax Treatment - Federal taxation of contributions and withdrawals Federal gift, estate and generation-skipping transfer tax treatment beginning on page 21 are deleted and replaced with the following: Each taxpayer has an estate tax exemption that is reduced by lifetime taxable gifts. This estate tax exemption is adjusted for inflation and is currently $5,430,000 for each contributor. The 4 th and 5 th sentences of the 6 th paragraph in the sub-section Tax Treatment - Federal taxation of contributions and withdrawals Federal gift, estate and generation-skipping transfer tax treatment on page 22 are deleted and replaced with the following: 1

7 Each contributor has a generation-skipping transfer tax exemption that may be allocated during life or at death. This generation-skipping transfer tax exemption is adjusted for inflation and is currently $5,430,000 for each contributor. The 2 nd paragraph in the box next to Wisconsin tax benefits in the section entitled Program summary on page 2 is deleted and replaced with the following: Contributors may reduce their Wisconsin taxable income up to a maximum of $3,100 per year. Qualified withdrawals are not subject to Wisconsin income tax. See Wisconsin state tax and information on page 22 for details. The 1 st sentence of the 1 st paragraph in the sub-section Tax Treatment - Wisconsin state tax and information - Contributions on page 22 is deleted and replaced with the following: Contributors may reduce their Wisconsin taxable income with contributions made to an account during the tax year, up to a maximum of $3,100 per beneficiary for each tax year (which may increase annually based on inflation). The 5 th sentence of the 1 st paragraph in the sub-section Tax Treatment - Wisconsin state tax and information - Contributions beginning on page 22 is deleted. The 2 nd paragraph in the sub-section Tax Treatment - Wisconsin state tax and information - Contributions on page 23 is deleted and replaced with the following: A married couple filing a joint return may reduce state taxable income with contributions, up to a maximum of $3,100 per beneficiary each year. A married couple filing separately may each claim a maximum reduction of $1,550. Divorced parents are each allowed to claim a maximum reduction of $1,550, unless the divorce judgment specifies a different division of the $3,100 combined maximum that may be claimed by each former spouse. The 3 rd sentence of the 1 st paragraph in the sub-section Tax Treatment - Wisconsin state tax and information - Withdrawals on page 23 is deleted and replaced with the following: The earnings portion of withdrawals, other than qualified withdrawals, will be included in the taxable income of the distributee and will be subject to Wisconsin income tax. The 4 th sentence of the last paragraph of the sub-section entitled Creditor protection on page 33 is deleted and replaced with the following: Under Wisconsin law, an Account in the Advisor Program is not subject to garnishment, lien, levy, attachment, execution, or other process of law. Changes to investment selection limit effective January 1, 2015: The 1 st paragraph in the box next to Change in investment selection in the section entitled Program summary is deleted and replaced with the following: Once an Option selection has been made, federal tax law allows an account owner to change the investment selection twice per calendar year and at any time a change in the beneficiary of the account is made. The 3rd and 4th sentences of the of the 1 st paragraph in the sub-section entitled Methods of contribution Automated dollar cost averaging ( DCA ) program on page 6 are deleted and replaced with the following: These automatic contributions are not considered reallocations for purposes of the twice per calendar year limitation on investment reallocations generally, if specified at the time the lump sum contribution is made. Stopping or changing the automatic contribution instructions with respect to prior contributions still remaining in the TIAA-CREF Principal Protection Option will constitute a reallocation for purposes of the twice per calendar year limitation (see Investment direction on page 16 for details). 2

8 The 1 st sentence of the 1 st paragraph in the sub-section entitled Investment performance Investment direction on page 16 is deleted and replaced with the following: An account owner may transfer funds among Options only twice per calendar year and upon a change in the account s designated beneficiary. The 2 nd sentence of the sub-section entitled Program and Option risks Limited investment direction on page 34 is deleted and replaced with the following: Once an Option selection has been made at the time of enrollment or subsequent contribution, federal regulations limit investment changes for existing balances twice per calendar year and at any time with a change in the designated beneficiary of the account. The 2 nd sentence of sub-section 6(b) of the Participation agreement on page 60 is deleted and replaced with the following: The Participant understands that the Option selected for an Account may be changed twice per calendar year and upon a change in the Designated Beneficiary, except as permitted by the Code and any applicable regulations, rules, announcements, notices, or other guidance issued thereunder. Changes to Investment Options - effective at the close of business on February 20, 2015: The 1 st paragraph in the box next to Investment options in the section entitled Program summary on page 2 is deleted and replaced with the following: Account owners can choose among 40 Options, including age-based options, static options, and single fund options investing in Voya mutual funds and other mutual funds managed by Baillie Gifford Overseas Ltd. ( Baillie Gifford ), Blackrock Investment Management, LLC ( BlackRock ), CBRE Clarion Securities LLC ( Clarion ), Columbia Management Investment Advisers, LLC ( Columbia ), Delaware Investments Fund Advisors ( Delaware ), Goldman Sachs Asset Management ( GSAM ), Hahn Capital Management, LLC ( HCM ), J.P. Morgan Investment Management Inc. ( JPMorgan ), Lazard Asset Management LLC ( Lazard ), LSV Asset Management ( LSV ), Northern Trust Investments, Inc. ( Northern ), Teachers Advisors, Inc. ( TIAA-CREF ), T. Rowe Price Associates Inc. ( T. Rowe Price ), Templeton Investment Counsel, LLC ( Templeton ), Voya Investment Management Co. LLC ( Voya IM ), and Wellington Management Company, LLP ( Wellington ). The 1 st sentence of the 1 st paragraph of the section entitled Investment options on page 8 is deleted and replaced with the following: An account owner has 40 Options to choose from, including 9 Static Allocation Options, 9 Age-Based Options, and 22 Single Fund Options. The 5 th sentence of the 1 st paragraph of the sub-section entitled Investment options Static Allocation Options on page 9 is deleted and replaced with the following: Each Option seeks to obtain its objectives by investing primarily in Voya mutual funds managed by Baillie Gifford, BlackRock, Clarion, Delaware, GSAM, HCM, JPMorgan, Lazard, LSV, T. Rowe Price, Voya IM, and Wellington that the Board has selected. The tables in the sub-section entitled Investment options Static Allocation Options beginning on page 10 are deleted and replaced with the following: 3

9 Static Allocation Options Voya 529 Aggressive Growth Option Voya Multi-Manager International Equity Fund 19.0% Voya Large Cap Growth Portfolio 14.0% Voya Large Cap Value Fund 14.0% Voya U.S. Stock Index Portfolio 13.0% Voya Corporate Leaders 100 Fund 10.0% Voya Multi-Manager Emerging Markets Equity Fund 6.0% Voya MidCap Opportunities Fund 5.0% Voya Intermediate Bond Fund 5.0% Voya Multi-Manager Mid Cap Value Fund 5.0% Voya Global Real Estate Fund 4.0% Voya Small Company Fund 3.0% Voya Emerging Markets Index Portfolio 2.0% Voya 529 Growth Plus Option Voya Multi-Manager International Equity Fund 16.0% Voya Large Cap Growth Portfolio 14.0% Voya Large Cap Value Fund 14.0% Voya U.S. Stock Index Portfolio 11.0% Voya Corporate Leaders 100 Fund 8.0% Voya Intermediate Bond Fund 8.0% Voya Multi-Manager Emerging Markets Equity Fund 5.0% Voya MidCap Opportunities Fund 4.0% Voya Multi-Manager Mid Cap Value Fund 4.0% Voya Global Real Estate Fund 4.0% Voya Small Company Fund 3.0% Voya Emerging Markets Index Portfolio 2.0% Voya Floating Rate Fund 2.0% Voya Global Bond Fund 2.0% VY Goldman Sachs Bond Portfolio 2.0% Voya High Yield Bond Fund 1.0% Voya 529 Growth Option Voya Intermediate Bond Fund 18.0% Voya Multi-Manager International Equity Fund 14.0% Voya Large Cap Growth Portfolio 11.0% Voya Large Cap Value Fund 11.0% Voya Corporate Leaders 100 Fund 8.0% Voya U.S. Stock Index Portfolio 8.0% Voya Multi-Manager Emerging Markets Equity Fund 6.0% Voya MidCap Opportunities Fund 4.0% Voya Multi-Manager Mid Cap Value Fund 4.0% Voya Limited Maturity Bond Portfolio 3.0% VY Goldman Sachs Bond Portfolio 3.0% Voya Floating Rate Fund 2.0% Voya Global Bond Fund 2.0% Voya Global Real Estate Fund 2.0% Voya High Yield Bond Fund 2.0% Voya Small Company Fund 2.0% Voya 529 Moderate Growth Option Voya Intermediate Bond Fund 18.0% Voya Multi-Manager International Equity Fund 12.0% Voya Large Cap Growth Portfolio 11.25% Voya Large Cap Value Fund 11.25% Voya U.S. Stock Index Portfolio 7.5% Voya Corporate Leaders 100 Fund 7.0% VY Goldman Sachs Bond Portfolio 6.0% Voya Multi-Manager Emerging Markets Equity Fund 5.0% Voya MidCap Opportunities Fund 3.5% Voya Multi-Manager Mid Cap Value Fund 3.5% Voya Limited Maturity Bond Portfolio 3.0% 4 Voya Floating Rate Fund 2.0% Voya Global Bond Fund 2.0% Voya Global Real Estate Fund 2.0% Voya High Yield Bond Fund 2.0% Voya Small Company Fund 2.0% VY BlackRock Inflation Protected Bond Portfolio 2.0% Voya 529 Moderate Option Voya Intermediate Bond Fund 20.0% Voya Multi-Manager International Equity Fund 10.0% Voya Large Cap Growth Portfolio 9.25% Voya Large Cap Value Fund 9.25% VY Goldman Sachs Bond Portfolio 9.0% Voya U.S. Stock Index Portfolio 6.5% Voya Corporate Leaders 100 Fund 6.0% Voya Limited Maturity Bond Portfolio 5.0% Voya Multi-Manager Emerging Markets Equity Fund 4.0% VY BlackRock Inflation Protected Bond Portfolio 4.0% Voya Floating Rate Fund 3.0% Voya MidCap Opportunities Fund 3.0% Voya Multi-Manager Mid Cap Value Fund 3.0% Voya Global Bond Fund 2.0% Voya Global Real Estate Fund 2.0% Voya High Yield Bond Fund 2.0% Voya Small Company Fund 2.0% Voya 529 Moderate Conservative Option Voya Intermediate Bond Fund 22.0% VY Goldman Sachs Bond Portfolio 10.0% Voya Limited Maturity Bond Portfolio 9.0% Voya Multi-Manager International Equity Fund 8.0% Voya U.S. Stock Index Portfolio 6.5% Voya Large Cap Growth Portfolio 6.25% Voya Large Cap Value Fund 6.25% Voya Corporate Leaders 100 Fund 5.0% VY BlackRock Inflation Protected Bond Portfolio 5.0% Voya Multi-Manager Emerging Markets Equity Fund 4.0% Voya Floating Rate Fund 3.0% Voya Global Bond Fund 3.0% Voya High Yield Bond Fund 3.0% Voya MidCap Opportunities Fund 2.5% Voya Multi-Manager Mid Cap Value Fund 2.5% Voya Global Real Estate Fund 2.0% Voya Small Company Fund 2.0% Voya 529 Conservative Plus Option Voya Limited Maturity Bond Portfolio 21.0% Voya Intermediate Bond Fund 18.0% VY Goldman Sachs Bond Portfolio 10.0% Voya Multi-Manager International Equity Fund 7.0% Voya Large Cap Growth Portfolio 6.0% Voya Large Cap Value Fund 6.0% Voya U.S. Stock Index Portfolio 6.0% VY BlackRock Inflation Protected Bond Portfolio 5.0% Voya Global Bond Fund 4.0% Voya High Yield Bond Fund 4.0% Voya Corporate Leaders 100 Fund 3.0% Voya Floating Rate Fund 3.0% Voya Global Real Estate Fund 2.0% Voya Multi-Manager Emerging Markets Equity Fund 2.0% Voya MidCap Opportunities Fund 1.5% Voya Multi-Manager Mid Cap Value Fund 1.5%

10 Voya 529 Conservative Option Voya Limited Maturity Bond Portfolio 30.0% Voya Intermediate Bond Fund 17.0% VY Goldman Sachs Bond Portfolio 10.0% Voya U.S. Stock Index Portfolio 6.0% Voya Global Bond Fund 5.0% Voya Large Cap Growth Portfolio 5.0% Voya Large Cap Value Fund 5.0% VY BlackRock Inflation Protected Bond Portfolio 5.0% Voya High Yield Bond Fund 4.0% Voya Floating Rate Fund 4.0% Voya Multi-Manager International Equity Fund 4.0% Voya Corporate Leaders 100 Fund 3.0% Voya MidCap Opportunities Fund 1.0% Voya Multi-Manager Mid Cap Value Fund 1.0% Voya 529 Ultra Conservative Option Voya Limited Maturity Bond Portfolio 38.0% Voya Intermediate Bond Fund 18.0% VY Goldman Sachs Bond Portfolio 12.0% Voya U.S. Stock Index Portfolio 8.0% Voya Global Bond Fund 7.0% VY BlackRock Inflation Protected Bond Portfolio 7.0% Voya High Yield Bond Fund 4.0% Voya Floating Rate Fund 4.0% Voya Corporate Leaders 100 Fund 2.0% The following is added to the sub-section entitled Investment options Single Fund Options beginning on page 11: Voya Global Perspectives Option, through its investments in Voya Global Perspectives Portfolio, seeks total return. Changes to Fee structure - effective at the close of business on February 20, 2015: The table in the sub-section entitled Fee structure Estimated annual underlying fund expenses beginning on page 24 is deleted and replaced with the following: Investment Option Estimated Underlying Fund Expenses BlackRock Global Allocation Option 0.88% Columbia Dividend Opportunity Option 0.76% Columbia Limited Duration Option 0.62% Northern Small Cap Value Option 1.01% TIAA-CREF Balanced Option 0.09% TIAA-CREF Bond Index Option 0.12% TIAA-CREF Equity Index Option 0.07% TIAA-CREF International Equity Index Option 0.07% TIAA-CREF Principal Protection Option 0.00% TIAA-CREF Small Cap Blend Option 0.16% Voya 529 Aggressive Growth Option and Voya 529 Age 0-4 Option 0.74% Voya 529 Growth Plus Option and Voya 529 Age 5-8 Option 0.71% Voya 529 Growth Option and Voya 529 Age 9-10 Option 0.68% Voya 529 Moderate Growth Option and Voya 529 Age Option 0.64% Voya 529 Moderate Option and Voya 529 Age Option 0.62% Voya 529 Moderate Conservative Option and Voya 529 Age 15 Option 0.59% Voya 529 Conservative Plus Option and Voya 529 Age 16 Option 0.55% Voya 529 Conservative Option and Voya 529 Age 17 Option 0.48% Voya 529 Ultra Conservative Option and Voya 529 Age 18+ Option 0.41% Voya Corporate Leaders 100 Option 0.49% Voya Global Perspectives Option 0.83% Voya GNMA Income Option 0.66% Voya High Yield Bond Option 0.69% Voya Intermediate Bond Option 0.34% Voya Large Cap Growth Option 0.60% Voya Large Cap Value Option 0.81% Voya Mid Cap Opportunities Option 0.96% Voya Multi-Manager International Equity Option 0.98% Voya Small Cap Opportunities Option 1.16% VY Clarion Global Real Estate Option 0.97% VY Templeton Foreign Equity Option 0.92% The table in the sub-section entitled Fee structure Total estimated annual fees and expenses on page 25 is deleted and replaced with the following: 5

11 Investment Option No Class A Class AR Class C Class C1 Class W Class BlackRock Global Allocation Option % n/a 1.31% 2.06% 2.06% n/a 1.06% Columbia Dividend Opportunity Option % n/a 1.19% 1.94% 1.94% n/a 0.94% Columbia Limited Duration Option % n/a 1.05% 1.80% 1.80% n/a 0.80% Northern Small Cap Value Option % n/a 1.44% 2.19% 2.19% n/a 1.19% TIAA-CREF Balanced Option % n/a 0.52% 1.27% n/a 0.77% 0.27% TIAA-CREF Bond Index Option % n/a 0.55% 1.30% n/a 0.80% 0.30% TIAA-CREF Equity Index Option % n/a 0.50% 1.25% n/a 0.75% 0.25% TIAA-CREF International Equity Index Option % n/a 0.50% 1.25% n/a 0.75% 0.25% TIAA-CREF Principal Protection Option % 0.23% n/a n/a n/a n/a n/a TIAA-CREF Small Cap Blend Option % n/a 0.59% 1.34% n/a 0.84% 0.34% Voya 529 Aggressive Growth Option and Voya 529 Age 0-4 Option % n/a 1.17% 1.92% 1.92% n/a 0.92% Voya 529 Growth Plus Option and Voya 529 Age 5-8 Option % n/a 1.14% 1.89% 1.89% n/a 0.89% Voya 529 Growth Option and Voya 529 Age 9-10 Option % n/a 1.11% 1.86% 1.86% n/a 0.86% Voya 529 Moderate Growth Option and Voya 529 Age % n/a 1.07% 1.82% 1.82% n/a 0.82% Option Voya 529 Moderate Option and Voya 529 Age Option % n/a 1.05% 1.80% 1.80% n/a 0.80% Voya 529 Moderate Conservative Option and Voya 529 Age 15 % n/a 1.02% 1.77% 1.77% n/a 0.77% Option Voya 529 Conservative Plus Option and Voya 529 Age 16 Option % n/a 0.98% 1.73% 1.73% n/a 0.73% Voya 529 Conservative Option and Voya 529 Age 17 Option % n/a 0.91% 1.66% 1.66% n/a 0.66% Voya 529 Ultra Conservative Option and Voya 529 Age 18+ Option % n/a 0.84% 1.59% 1.59% n/a 0.59% Voya Corporate Leaders 100 Option % n/a 0.92% 1.67% 1.67% n/a 0.67% Voya Global Perspectives Option % n/a 1.26% 2.01% 2.01% n/a 1.01% Voya GNMA Income Option % n/a 1.09% 1.84% 1.84% n/a 0.84% Voya High Yield Bond Option % n/a 1.12% 1.87% 1.87% n/a 0.87% Voya Intermediate Bond Option % n/a 0.77% 1.52% 1.52% n/a 0.52% Voya Large Cap Growth Option % n/a 1.03% 1.78% 1.78% n/a 0.78% Voya Large Cap Value Option % n/a 1.24% 1.99% 1.99% n/a 0.99% Voya Mid Cap Opportunities Option % n/a 1.39% 2.14% 2.14% n/a 1.14% Voya Multi-Manager International Equity Option % n/a 1.41% 2.16% 2.16% n/a 1.16% Voya Small Cap Opportunities Option % n/a 1.59% 2.34% 2.34% n/a 1.34% VY Clarion Global Real Estate Option % n/a 1.40% 2.15% 2.15% n/a 1.15% VY Templeton Foreign Equity Option % n/a 1.35% 2.10% 2.10% n/a 1.10% The table in the sub-section entitled Fee structure Examples of investment costs beginning on page 29 is deleted and replaced with the following: Investment Option Class Number of Years You Own Your Shares 1 Yr 3 Yrs 5 Yrs 10 Yrs A (Sold or Held) $ ,280 2,211 AR (Sold) $ ,876 BlackRock Global Allocation Option AR (Held) $ ,876 C (Sold) $ ,227 2,250 C (Held) $ ,227 2,250 W (Sold or Held) $ ,529 A (Sold or Held) $ ,219 2,083 AR (Sold) $ ,743 Columbia Dividend Opportunity Option AR (Held) $ ,743 C (Sold) $ ,166 2,121 C (Held) $ ,166 2,121 W (Sold or Held) $ ,391 A (Sold or Held) $ ,148 1,932 AR (Sold) $ ,585 Columbia Limited Duration Fund Option AR (Held) $ ,585 C (Sold) $ ,094 1,970 C (Held) $ ,094 1,970 W (Sold or Held) $ ,229 A (Sold or Held) $ ,345 2,347 Northern Small Cap Value Option AR (Sold) $ ,018 AR (Held) $ ,018 6

12 Investment Option Class Number of Years You Own Your Shares 1 Yr 3 Yrs 5 Yrs 10 Yrs C (Sold) $ ,292 2,387 C (Held) $ ,292 2,387 W (Sold or Held) $ ,677 A (Sold or Held) $ ,339 AR (Sold) $ TIAA-CREF Balanced Option AR (Held) $ C1 (Sold) $ ,193 C1 (Held) $ ,193 W (Sold or Held) $ A (Sold or Held) $ ,374 AR (Sold) $ ,003 TIAA-CREF Bond Index Option AR (Held) $ ,003 C1 (Sold) $ ,229 C1 (Held) $ ,229 W (Sold or Held) $ A (Sold or Held) $ ,316 AR (Sold) $ TIAA-CREF Equity Index Option AR (Held) $ C1 (Sold) $ ,170 C1 (Held) $ ,170 W (Sold or Held) $ A (Sold or Held) $ ,316 AR (Sold) $ TIAA-CREF International Equity Index Option AR (Held) $ C1 (Sold) $ ,170 C1 (Held) $ ,170 W (Sold or Held) $ TIAA-CREF Principal Protection Option n/a $ A (Sold or Held) $ ,419 AR (Sold) $ ,051 TIAA-CREF Small Cap Blend Index Option AR (Held) $ ,051 C1 (Sold) $ ,275 C1 (Held) $ ,275 W (Sold or Held) $ Voya 529 Aggressive Growth Option and Voya 529 Age 0-4 Option Voya 529 Growth Plus Option and Voya 529 Age 5-8 Option Voya 529 Growth Option and Voya 529 Age 9-10 Option Voya 529 Moderate Growth Option and Voya 529 Age Option A (Sold or Held) $ ,209 2,062 AR (Sold) $ ,720 AR (Held) $ ,720 C (Sold) $ ,155 2,100 C (Held) $ ,155 2,100 W (Sold or Held) $ ,368 A (Sold or Held) $ ,194 2,029 AR (Sold) $ ,687 AR (Held) $ ,687 C (Sold) $ ,140 2,067 C (Held) $ ,140 2,067 W (Sold or Held) $ ,334 A (Sold or Held) $ ,179 1,997 AR (Sold) $ ,653 AR (Held) $ ,653 C (Sold) $ ,125 2,035 C (Held) $ ,125 2,035 W (Sold or Held) $ ,299 A (Sold or Held) $ ,159 1,954 AR (Sold) $ ,608 AR (Held) $ ,608 C (Sold) $ ,104 1,992 C (Held) $ ,104 1,992 W (Sold or Held) $ ,252 Voya 529 Moderate Option and A (Sold or Held) $ ,148 1,932 7

13 Investment Option Class Number of Years You Own Your Shares 1 Yr 3 Yrs 5 Yrs 10 Yrs Voya 529 Age Option AR (Sold) $ ,585 AR (Held) $ ,585 C (Sold) $ ,094 1,970 C (Held) $ ,094 1,970 W (Sold or Held) $ ,229 Voya 529 Moderate Conservative Option and Voya 529 Age 15 Option Voya 529 Conservative Plus Option and Voya 529 Age 16 Option Voya 529 Conservative Option and Voya 529 Age 17 Option Voya 529 Ultra Conservative Option and Voya 529 Age 18+ Option Voya Corporate Leaders 100 Option Voya Global Perspectives Option Voya GNMA Income Option Voya High Yield Bond Option Voya Intermediate Bond Option A (Sold or Held) $ ,133 1,899 AR (Sold) $ ,551 AR (Held) $ ,551 C (Sold) $ ,079 1,937 C (Held) $ ,079 1,937 W (Sold or Held) $ ,193 A (Sold or Held) $ ,113 1,856 AR (Sold) $ ,505 AR (Held) $ ,505 C (Sold) $ ,058 1,893 C (Held) $ ,058 1,893 W (Sold or Held) $ ,146 A (Sold or Held) $ ,077 1,779 AR (Sold) $ ,425 AR (Held) $ ,425 C (Sold) $ ,022 1,816 C (Held) $ ,022 1,816 W (Sold or Held) $ ,063 A (Sold or Held) $ ,041 1,701 AR (Sold) $ ,344 AR (Held) $ ,344 C (Sold) $ ,738 C (Held) $ ,738 W (Sold or Held) $ A (Sold or Held) $ ,082 1,790 AR (Sold) $ ,437 AR (Held) $ ,437 C (Sold) $ ,027 1,827 C (Held) $ ,027 1,827 W (Sold or Held) $ ,075 A (Sold or Held) $ ,255 2,158 AR (Sold) $ ,821 AR (Held) $ ,821 C (Sold) $ ,201 2,196 C (Held) $ ,201 2,196 A (Sold or Held) $ ,169 1,975 AR (Sold) $ ,630 AR (Held) $ ,630 C (Sold) $ ,115 2,013 C (Held) $ ,115 2,013 W (Sold or Held) $ ,275 A (Sold or Held) $ ,184 2,008 AR (Sold) $ ,664 AR (Held) $ ,664 C (Sold) $ ,130 2,046 C (Held) $ ,130 2,046 W (Sold or Held) $ ,310 A (Sold or Held) $ ,005 1,623 AR (Sold) $ ,263 AR (Held) $ ,263 C (Sold) $ ,660 C (Held) $ ,660 W (Sold or Held) $ Voya Large Cap Growth Option A (Sold or Held) $ ,138 1,910 8

14 Investment Option Class Number of Years You Own Your Shares 1 Yr 3 Yrs 5 Yrs 10 Yrs AR (Sold) $ ,562 AR (Held) $ ,562 C (Sold) $ ,084 1,948 C (Held) $ ,084 1,948 W (Sold or Held) $ ,205 A (Sold or Held) $ ,245 2,136 AR (Sold) $ ,798 Voya Large Cap Value Option AR (Held) $ ,798 C (Sold) $ ,191 2,175 C (Held) $ ,191 2,175 W (Sold or Held) $ ,449 A (Sold or Held) $ ,320 2,295 AR (Sold) $ ,964 Voya Mid Cap Opportunities Option AR (Held) $ ,964 C (Sold) $ ,267 2,334 C (Held) $ ,267 2,334 W (Sold or Held) $ ,620 A (Sold or Held) $ ,330 2,316 AR (Sold) $ ,986 Voya Multi-Manager International Equity Option AR (Held) $ ,986 C (Sold) $ ,277 2,355 C (Held) $ ,277 2,355 W (Sold or Held) $ ,643 A (Sold or Held) $ 654 1,026 1,419 2,503 AR (Sold) $ ,056 2,180 Voya Small Cap Opportunities Option AR (Held) $ ,056 2,180 C (Sold) $ ,368 2,542 C (Held) $ ,368 2,542 W (Sold or Held) $ ,844 A (Sold or Held) $ ,325 2,305 AR (Sold) $ ,975 VY Clarion Global Real Estate Option AR (Held) $ ,975 C (Sold) $ ,272 2,345 C (Held) $ ,272 2,345 W (Sold or Held) $ ,631 A (Sold or Held) $ ,300 2,253 AR (Sold) $ ,920 VY Templeton Foreign Equity Option AR (Held) $ ,920 C (Sold) $ ,247 2,292 C (Held) $ ,247 2,292 W (Sold or Held) $ ,575 Changes to Underlying funds details: Effective at the close of business on February 20, 2015, the following sub-sections are added to the section entitled Underlying funds details beginning on page 35: VY Goldman Sachs Bond Portfolio Sub-Adviser: Goldman Sachs Asset Management, L.P. Investment Objective: Total return consisting of capital appreciation and income. Main Investments: The portfolio invests at least 80% of its net assets (plus borrowings for investment purposes) in bonds and other fixed-income securities. The other types of fixed-income securities in which the portfolio may invest include securities issued or guaranteed by the U.S. government, its agencies, instrumentalities or sponsored enterprises ( U.S. Government Securities ), corporate debt securities, collateralized loan obligations, privately issued adjustable-rate and fixed-rate mortgage loans or other mortgage-related securities ( Mortgage-Backed Securities ), 9

15 asset-backed securities and high-yield non-investment grade securities (i.e. junk bonds ) (securities rated BB+, Ba1 or below by a nationally recognized statistical rating organization ( NRSRO ) or, if unrated, determined by the subadviser ( Sub-Adviser ) to be of comparable credit quality). The portfolio may purchase or sell Mortgage-Backed Securities on a delayed delivery or forward commitment basis through the to be announced ( TBA ) market. With TBA transactions, the particular securities to be delivered are not identified at the trade date but the delivered securities must meet specified terms and standards. The portfolio may also invest in custodial receipts, fixed-income securities issued by or on behalf of states, territories, and possessions of the United States (including the District of Columbia) ( Municipal Securities ) and convertible securities. The portfolio may also invest in derivatives, including forward foreign currency transactions, futures, options, and swaps involving securities, securities indices and interest rates, which may be denominated in the U.S. dollar or foreign currencies. The portfolio typically uses derivatives to reduce exposure to other risks, such as interest rate or currency risk, to substitute for taking a position in the underlying asset, and/or to enhance returns in the portfolio. The portfolio may invest in obligations of domestic and foreign issuers which are denominated in currencies other than the U.S. dollar. The portfolio may invest up to 15% of its total assets (not including securities lending collateral and any investment of that collateral) measured at the time of purchase in sovereign and corporate debt securities and other instruments of issuers in emerging market countries ( emerging countries debt ). The portfolio may also purchase securities of issuers in default. The portfolio s investments in non-investment grade securities (i.e., junk bonds ) will not exceed 25% of its total assets at the time of purchase. Otherwise, the portfolio invests in fixed-income securities rated at least BBB- or Baa3 at the time of purchase. Securities will either be rated by an NRSRO or, if unrated, determined by the Sub-Adviser to be of comparable credit quality. The portfolio assigns a security, at the time of purchase, the highest rating by an NRSRO if the security is rated by more than one NRSRO. The portfolio may also invest in other investment companies, including exchange-traded funds, to the extent permitted under the Investment Company Act of 1940, as amended, and the rules, regulations, and exemptive orders thereunder. The portfolio may lend portfolio securities on a short-term or long-term basis, up to 33 1/3% of its total assets. Main Risks: Call, convertible securities, credit, currency, derivative instruments, foreign investments/developing and emerging markets, high-yield securities, interest in loans, interest rate, liquidity, mortgage- and/or asset-backed securities, municipal obligations, other investment companies, prepayment and extension, securities lending, U.S. government securities and obligations, and when issued and delayed delivery securities and forward commitments. Voya Global Perspectives Portfolio Sub-Adviser: Voya Investment Management Co. LLC Investment Objective: Total return. Main Investments: The portfolio invests in a combination of Underlying Funds that, in turn, invest directly in securities (such as stocks and bonds). The Underlying Funds will invest in the securities of issuers in a number of different countries one of which may be the United States. Under normal market conditions, approximately 60% of the portfolio s net assets will be allocated to Underlying Funds that predominantly invest in equity securities, and approximately 40% of the portfolio s net assets will be allocated to Underlying Funds that predominantly invest in debt instruments, including U.S. government securities and money market instruments ( Target Allocation ). The percentage weight of the portfolio s assets invested in Underlying Funds that predominantly invest in equity securities may change to approximately 30% and the percentage weight of the portfolio s assets invested in Underlying Funds that predominantly invest in debt instruments may change to approximately 70% ( Defensive Allocation ) depending upon the rules based investment strategy described more fully in the portfolio s prospectus. The Target Allocation and Defensive Allocation are measured with reference to the primary investment strategies of the Underlying Funds; actual exposure to these asset classes may vary to the extent an Underlying Fund is not substantially invested in accordance with its primary investment strategies. The Underlying Funds provide exposure to a wide range of traditional asset classes which include stocks, bonds, and cash and non-traditional asset classes (also known as alternative strategies) which include real estate securities. The equity securities in which the Underlying Funds may invest include, but are not limited to: domestic and international stocks of companies of any market capitalization; emerging market securities; and domestic and international real estate stocks, including real estate investment trusts. The debt instruments in which the Underlying Funds may invest include, but are not limited to: domestic and international short-, intermediate- and long-term bonds; high-yield debt securities rated below investment-grade commonly referred to as junk bonds; and debt instruments without limitations on maturity. The 10

16 portfolio may also invest in other investment companies, including exchange-traded funds, to the extent permitted under the Investment Company Act of 1940, as amended, and the rules, regulations, and exemptive orders thereunder. Main Risks: Asset allocation, call, cash/cash equivalents, company, credit, currency, foreign investments/developing and emerging markets, high-yield securities, interest rate, investment model, liquidity, market, market capitalization, other investment companies, real estate companies and real estate investment trusts, and U.S. government securities and obligations. Effective at the close of business on January 30, 2015, the sub-section entitled Underlying funds details - Voya Large Cap Value Fund on page 42 was deleted and replaced with the following: Voya Large Cap Value Fund Sub-Adviser: Voya Investment Management Co. LLC Investment Objective: Long-term growth of capital and current income. Main Investments: The fund invests at least 80% of its net assets (plus borrowings for investment purposes) in equity securities of dividend paying, large-capitalization issuers. The sub-adviser defines large-capitalization companies that fall within the collective range of companies within the Russell 1000 Value Index at the time of purchase. Equity securities include common and preferred stocks, warrants, and convertible securities. The fund may invest in foreign securities, including companies located in countries with emerging securities markets. The fund may invest in real estate securities, including real estate investment trusts. The fund may also invest in other investment companies, including exchange-traded funds, to the extent permitted under the Investment Company Act of 1940, as amended, and the rules, regulations, and exemptive orders thereunder. The fund may lend portfolio securities on a short-term or long-term basis, up to 33 1/3% of its total assets. Main Risks: Company, convertible securities, credit, currency, dividend, foreign investments/developing and emerging markets, interest rate, investment model, liquidity, market, market capitalization, other investment companies, real estate companies and real estate investment trusts, securities lending, and value investing. Effective at the close of business on February 20, 2015, the following sub-sections are added to the section entitled Underlying funds risks beginning on page 47: Asset Allocation. There is a risk that the fund/portfolio may allocate assets to a fund or asset class that underperforms other funds or asset classes. Cash/Cash Equivalents. To the extent a fund/portfolio holds cash or cash equivalents, the fund/portfolio risks achieving lower returns and potential lost opportunities to participate in market appreciation which could negatively impact the fund s/portfolio s performance and ability to achieve its investment objective. Effective at the close of business on February 20, 2015, the sub-section entitled Underlying funds risks Investment Model on page 52 is deleted and replaced with the following: Investment Model. For funds/portfolios that invest based on a proprietary model managed by the manager, the manager's proprietary model may not adequately address existing or unforeseen market factors or the interplay between such factors. Certain funds/portfolios that are actively managed, in whole or in part, according to a quantitative investment model can perform differently from the market as a whole based on the investment model and the factors used in the analysis, the weight placed on each factor, changes from the factors historical trends, and technical issues in the construction and implementation of the investment models (including, for example, data problems and/or software issues). There is no guarantee that the use of these investment models will result in effective investment decisions for a fund/portfolio. 11

17 SUP-WI

18 Tomorrow s Scholar 529 Plan Supplement No. 4 dated June 30, 2015 To the Tomorrow s Scholar 529 Plan Program Description and Participation Agreement dated May 1, 2014 This Supplement amends the Tomorrow s Scholar 529 Plan Program Description and Participation Agreement, dated May 1, 2014, (the Program Description ). You should review this information carefully and keep it with your current copy of the Program Description. Capitalized terms not defined herein have the meanings set forth in the Program Description. Effective immediately, the section entitled Investment performance beginning on page 12 of the Program Description is deleted and replaced with the following: Investment performance and reporting The table below shows the average annual total returns after deducting ongoing fees for each Option as of March 31, The performance data reflects past performance with and without any applicable sales or redemption charges, but does not reflect the $25 annual maintenance fee, which is waived in certain circumstances. If these amounts were reflected, returns would be less than those shown. For comparison purposes, the table also shows the returns for a benchmark index that, as of the date of this Program Description, applies to each Option. The indices are not available for investment and the returns for the indices do not reflect sales charges, fees, brokerage commissions, taxes, or other expenses of investing. To obtain up-to-date performance information for any Option, please visit the Advisor Program s website at or contact your financial advisor. Past performance is not a guarantee of future results. Because Voya Global Perspectives Option and Voya Intermediate Bond Option did not have a full year of operations as of March 31, 2015, no performance information for Voya Global Perspectives Option and Voya Intermediate Bond Option is provided below. Average Annual Total Returns (%) as of March 31, ,2 Without Sales Charges With Sales Charges Option/Index Class 1 Yr 3 Yrs 5 Yrs 10 Yrs Since Inception 1 Yr 3 Yrs 5 Yrs 10 Yrs Since Inception Inception Date Voya 529 Age 0-4 Option A 7.75 N/A N/A N/A N/A N/A N/A /26/2012 AR 6.87 N/A N/A N/A N/A N/A N/A /26/2012 C 6.87 N/A N/A N/A N/A N/A N/A /26/2012 W 7.95 N/A N/A N/A N/A N/A N/A /26/2012 Voya 529 Aggressive Growth Composite 8.47 N/A N/A N/A N/A N/A N/A Index Voya 529 Age 5-8 Option A 7.65 N/A N/A N/A N/A N/A N/A /26/2012 AR 6.84 N/A N/A N/A N/A N/A N/A /26/2012 C 6.84 N/A N/A N/A N/A N/A N/A /26/2012 W 7.94 N/A N/A N/A N/A N/A N/A /26/2012 Voya 529 Growth Plus Composite Index 8.36 N/A N/A N/A N/A N/A N/A Voya 529 Age 9-10 Option A 6.86 N/A N/A N/A N/A N/A N/A /26/2012 AR 6.10 N/A N/A N/A N/A N/A N/A /26/2012 C 6.10 N/A N/A N/A N/A N/A N/A /26/2012 W 7.17 N/A N/A N/A N/A N/A N/A /26/2012 Voya 529 Growth Composite Index 7.57 N/A N/A N/A N/A N/A N/A Voya 529 Age Option A 6.94 N/A N/A N/A N/A N/A N/A /26/2012 AR 6.17 N/A N/A N/A N/A N/A N/A /26/2012 C 6.17 N/A N/A N/A N/A N/A N/A /26/2012 W 7.25 N/A N/A N/A N/A N/A N/A /26/2012 Voya 529 Moderate Growth Composite 7.57 N/A N/A N/A N/A N/A N/A Index Voya 529 Age Option A 6.43 N/A N/A N/A N/A N/A N/A /26/2012 AR 5.64 N/A N/A N/A N/A N/A N/A /26/2012 C 5.72 N/A N/A N/A N/A N/A N/A /26/2012 W 6.75 N/A N/A N/A N/A N/A N/A /26/2012 Voya 529 Moderate Composite Index 7.09 N/A N/A N/A N/A N/A N/A SUP-WI

Tomorrow s Scholar 529 Plan

Tomorrow s Scholar 529 Plan Tomorrow s Scholar 529 Plan Investor Guide... connecting to the future Investment options customizable to your needs A flexible and tax-advantaged way to save for college Potential advantages over other

More information

Tomorrow s Scholar 529 Plan

Tomorrow s Scholar 529 Plan Tomorrow s Scholar 529 Plan Investor Guide... connecting to the future Investment options customizable to your needs A flexible and tax-advantaged way to save for college Potential advantages over other

More information

Tomorrow s Scholar 529 Plan

Tomorrow s Scholar 529 Plan Tomorrow s Scholar 529 Plan Investor Guide... connecting to the future Investment options customizable to your needs A flexible and tax-advantaged way to save for college Potential advantages over other

More information

Voya Express Mutual Funds Custodial Account

Voya Express Mutual Funds Custodial Account P E R F O R M A N C E U P D A T E Voya Express Mutual s Custodial Account Average Annual Total Returns as of: 08/31/2014 (shown in percentages) Mutual funds offered through a retirement plan or individual

More information

Voya Express Mutual Funds Custodial Account

Voya Express Mutual Funds Custodial Account P E R F O R M A N C E U P D A T E Voya Express Mutual s Custodial Account Average Annual Total Returns as of: 03/31/2019 (shown in percentages) Mutual funds offered through a retirement plan or individual

More information

Attractive option for college saving

Attractive option for college saving Tomorrow s Scholar 529 Age-Based Portfolios Attractive option for college saving... connecting to the future Not FDIC Insured May Lose Value No Bank Guarantee INVESTMENT MANAGEMENT Introduction The goal

More information

PIMCO Funds Prospectus

PIMCO Funds Prospectus PIMCO Funds Prospectus OCTOBER 1, 2005 Bond Funds Share Classes Ins Adm Institutional Administrative SHORT DURATION PIMCO Money Market Fund PIMCO Floating Income Fund PIMCO Short-Term Fund PIMCO Low Duration

More information

SUPPLEMENT NO. 1 DATED DECEMBER 31, 2016 TO THE SCHOLARSHARE COLLEGE SAVINGS PLAN PLAN DISCLOSURE BOOKLET DATED JULY 5, 2016

SUPPLEMENT NO. 1 DATED DECEMBER 31, 2016 TO THE SCHOLARSHARE COLLEGE SAVINGS PLAN PLAN DISCLOSURE BOOKLET DATED JULY 5, 2016 00188200 SUPPLEMENT NO. 1 DATED DECEMBER 31, 2016 TO THE SCHOLARSHARE COLLEGE SAVINGS PLAN PLAN DISCLOSURE BOOKLET DATED JULY 5, 2016 This Supplement No. 1 provides new and additional information beyond

More information

CenterPoint Energy Savings Plan Prospectus Supplement

CenterPoint Energy Savings Plan Prospectus Supplement CenterPoint Energy Savings Plan Prospectus Supplement Use the links below to access a specific section of the Savings Plan Prospectus Supplement or a fund description. Introduction... 1 Risk... 2 General

More information

ReliaStar Life Insurance Company

ReliaStar Life Insurance Company P E R F O R M A N C E U P D A T E ReliaStar Life Insurance Company Voya Investor Elite Average Annual Total Returns as of: 07/31/2018 (shown in percentages) The following variable investment options are

More information

Security Life of Denver Insurance Company

Security Life of Denver Insurance Company P E R F O R M A N C E U P D A T E Security Life of Denver Insurance Company Strategic Investor VUL Average Annual Total Returns as of: 04/30/2018 (shown in percentages) The following variable investment

More information

CAPDNOK-STKBKLT

CAPDNOK-STKBKLT Supplement dated March 29, 2018 to Oklahoma Dream Advisor Sold 529 Program Plan Disclosure Statement for Investors Using a Financial Advisor (Classes A and C) Dated November 3, 2014 Effective as of March

More information

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY LINCOLN LIFE VARIABLE ANNUITY ACCOUNT N. ChoicePlus Assurance SM (B Share)

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY LINCOLN LIFE VARIABLE ANNUITY ACCOUNT N. ChoicePlus Assurance SM (B Share) THE LINCOLN NATIONAL LIFE INSURANCE COMPANY LINCOLN LIFE VARIABLE ANNUITY ACCOUNT N ChoicePlus Assurance SM (B Share) Supplement dated November 18, 2016 to the Prospectus dated May 1, 2016, as supplemented

More information

See the following page for important information about your plan investments.

See the following page for important information about your plan investments. This notice contains important information about changes to the MMC 401(k) Savings and Retirement Plan. Please review it carefully. If you have any questions about the changes to the plan, the plan s investments,

More information

TEXAS A&M UNIVERSITY ORP

TEXAS A&M UNIVERSITY ORP P E R F O R M A N C E U P D A T E TEXAS A&M UNIVERSITY ORP Average Annual Total Returns as of: 03/31/2019 (shown in percentages) Variable annuities and mutual funds offered through a retirement plan are

More information

BLACKROCK COLLEGEADVANTAGE 529 PLAN Sponsor: Ohio Tuition Trust Authority

BLACKROCK COLLEGEADVANTAGE 529 PLAN Sponsor: Ohio Tuition Trust Authority BLACKROCK COLLEGEADVANTAGE 529 PLAN Sponsor: Ohio Tuition Trust Authority SUPPLEMENT DATED DECEMBER 6, 2017 TO THE BLACKROCK COLLEGEADVANTAGE 529 PLAN PROGRAM DESCRIPTION AND PARTICIPATION AGREEMENT DATED

More information

SCHOLARS CHOICE 529 COLLEGE SAVINGS PROGRAM

SCHOLARS CHOICE 529 COLLEGE SAVINGS PROGRAM 1Q 2018 Performance Summary SCHOLARS CHOICE 529 COLLEGE SAVINGS PROGRAM INVESTMENT PRODUCTS: NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE Scholars Choice Performance Date YTD 1 Yr 3 Yr 5 Yr 10 Yr

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED CentraCare Health 403(b) Retirement Plan Invest in your retirement and yourself today, with help from the CentraCare Health 403(b) Retirement Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some

More information

The choice is yours. MassMutual Thrift Plan New Investment Options

The choice is yours. MassMutual Thrift Plan New Investment Options Retirement only seems far off. Start planning for your future today so you can Retiresmart. The choice is yours MassMutual Thrift Plan New Investment Options Effective March 1, 2011, two new investment

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED CentraCare Health 457(b) Deferred Compensation Plan Invest in your retirement and yourself today, with help from the CentraCare Health and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some of what you

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Brighthouse Life Insurance Company of NY Variable Investment Option Performance Update The performance data quoted represents past performance and does not guarantee future results. Current performance

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Variable Investment Option Performance Update Brighthouse Investment Architect SM - Standard Version Brighthouse Life Insurance Company The performance data quoted represents past performance and does

More information

2017 Assessment of SUNY Retirement Plan Fees (sorted by fund category)

2017 Assessment of SUNY Retirement Plan Fees (sorted by fund category) 2017 Assessment of SUNY Retirement Plan Fees (sorted by fund category) Vendor* Fund Name Fund Category Total cost (%) Voya 403b Voya Fixed Account - Pre 09/01/2004 Cash/Cash Equivalent 0 Voya 403b Voya

More information

2017 Assessment of SUNY Retirement Plan Fees (sorted by investment provider)

2017 Assessment of SUNY Retirement Plan Fees (sorted by investment provider) 2017 Assessment of SUNY Retirement Plan Fees (sorted by investment provider) Vendor* Fund Name Fund Category Total cost (%) Fidelity Fidelity Money Market Trust Retirement Government Money Market II Portfolio

More information

2017 Assessment of SUNY Retirement Plan Fees (sorted by fee)

2017 Assessment of SUNY Retirement Plan Fees (sorted by fee) 2017 Assessment of SUNY Retirement Plan Fees (sorted by fee) Vendor* Fund Name Fund Category Total cost (%) Voya 403b Voya Fixed Account - Pre 09/01/2004 Cash/Cash Equivalent 0 Voya 403b Voya Fixed Account

More information

SUPPLEMENT NO. 6 DATED APRIL 3, 2018 TO THE PATH2COLLEGE 529 PLAN DISCLOSURE BOOKLET DATED OCTOBER 1, 2012

SUPPLEMENT NO. 6 DATED APRIL 3, 2018 TO THE PATH2COLLEGE 529 PLAN DISCLOSURE BOOKLET DATED OCTOBER 1, 2012 00208216 SUPPLEMENT NO. 6 DATED APRIL 3, 2018 TO THE PATH2COLLEGE 529 PLAN DISCLOSURE BOOKLET DATED OCTOBER 1, 2012 This Supplement No. 6 provides new and additional information beyond that contained in

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Brighthouse Investment Architect SM - C Share Option Brighthouse Life Insurance Company Variable Investment Option Performance Update The performance data quoted represents past performance and does not

More information

SUPPLEMENT DATED APRIL 2018 TO THE GIFT COLLEGE INVESTING PLAN PROGRAM DESCRIPTION AND PARTICIPATION AGREEMENT DATED AUGUST 2007

SUPPLEMENT DATED APRIL 2018 TO THE GIFT COLLEGE INVESTING PLAN PROGRAM DESCRIPTION AND PARTICIPATION AGREEMENT DATED AUGUST 2007 Please file this Supplement to the GIFT College Investing Plan Program Description and Participation Agreement with your records. SUPPLEMENT DATED APRIL 2018 TO THE GIFT COLLEGE INVESTING PLAN PROGRAM

More information

New York s 529 Advisor-Guided College Savings Program

New York s 529 Advisor-Guided College Savings Program NOT FDIC INSURED NO BANK, STATE OR FEDERAL GUARANTEE MAY LOSE VALUE Program manager Ascensus Broker Dealer Services, Inc. Investment manager J.P. Morgan Investment Management Inc. August 2014 New York

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Variable Investment Option Performance Update Brighthouse Investment Architect SM - Standard Version Brighthouse Life Insurance Company The performance data quoted represents past performance and does

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Brighthouse Life Insurance Company Variable Investment Option Performance Update One Month YTD 1 Year 3 Year* 5 Year* The performance data quoted represents past performance and does not guarantee future

More information

LSU VOLUNTARY 403B PLAN

LSU VOLUNTARY 403B PLAN P E R F O R M A N C E U P D A T E LSU VOLUNTARY 403B PLAN Average Annual Total Returns as of: 06/30/2015 (shown in percentages) Mutual funds offered through a retirement plan are investments designed for

More information

Helping families save for college since 1999

Helping families save for college since 1999 PORTFOLIO OPTIONS ScholarShare Helping families save for college since 1999 ScholarShare is here to support families preparing for their children s higher education. With a tax-advantaged savings opportunity,

More information

Invest in your future

Invest in your future Investment choices performance report October 31, 2018 Nationwide Destination SM L 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity

More information

VantageTrust Fund Fees and Expenses

VantageTrust Fund Fees and Expenses VantageTrust Fees and Expenses R1 B July 1, 2013 Your Employer has entered into an Administrative Services Agreement with ICMA-RC that establishes the services to be provided to your Plan(s) and the fees

More information

Investment Option Summary

Investment Option Summary Investment Option Summary As of 12/31/2017 Contract/Plan ID Number: 5-21917 This document provides important information to help you compare the investment options available to you under the retirement

More information

Invest in your future

Invest in your future Investment choices performance report September 30, 2018 Nationwide Destination SM All American Gold 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing

More information

Invest in your future

Invest in your future Investment choices performance report August 31, 2018 Nationwide Destination SM Navigator 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Brighthouse Life Insurance Company Variable Investment Option Performance Update The performance data quoted represents past performance and does not guarantee future results. Current performance may be

More information

MetLife Financial Freedom Select

MetLife Financial Freedom Select Portfolio Summary Annuities Variable MetLife Financial Freedom Select Read below and learn more about the underlying funding choices available in the MetLife Financial Freedom Select variable annuity.

More information

Cleveland Clinic Investment Pension Plan (IPP) imagine inspire invest. Your guide to getting started. We believe in your future financial wellbeing

Cleveland Clinic Investment Pension Plan (IPP) imagine inspire invest. Your guide to getting started. We believe in your future financial wellbeing Cleveland Clinic Investment Pension Plan (IPP) imagine inspire invest Your guide to getting started. We believe in your future financial wellbeing Invest some of what you earn today for what you plan to

More information

Your Guide to Getting Started

Your Guide to Getting Started Standard Motor Products Profit Sharing 401(k) Capital Accumulation Plan Invest in your retirement and yourself today, with help from the SMP 401K Plan and Fidelity. Your Guide to Getting Started Invest

More information

SUPPLEMENT NO. 3 DATED OCTOBER 4, 2016, TO THE KENTUCKY EDUCATIONAL SAVINGS PLAN TRUST DISCLOSURE BOOKLET DATED APRIL 30, 2013

SUPPLEMENT NO. 3 DATED OCTOBER 4, 2016, TO THE KENTUCKY EDUCATIONAL SAVINGS PLAN TRUST DISCLOSURE BOOKLET DATED APRIL 30, 2013 00179495 SUPPLEMENT NO. 3 DATED OCTOBER 4, 2016, TO THE KENTUCKY EDUCATIONAL SAVINGS PLAN TRUST DISCLOSURE BOOKLET DATED APRIL 30, 2013 This Supplement No. 3 provides new and additional information beyond

More information

Invest in your future

Invest in your future Investment choices performance report December 31, 2017 Nationwide Destination SM B 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity

More information

IT S LI KE A CHOOSE- YOUR-OWN- FOR COLLEGE SAVINGS PORTFOLIO OPTIONS

IT S LI KE A CHOOSE- YOUR-OWN- FOR COLLEGE SAVINGS PORTFOLIO OPTIONS IT S LI KE A CHOOSE- YOUR-OWN- ADVENTURE BOOK FOR COLLEGE SAVINGS PORTFOLIO OPTIONS ScholarShare 529 Get the most out of every dollar you save. Saving for higher education is one of the most important

More information

ERISA 404 retirement plan and investment information

ERISA 404 retirement plan and investment information BCF SOLUTIONS 401(K) PLAN Contract/Plan ID Number: 4-57827 ERISA 404 retirement plan and investment information 07/17/2017 This document uses these defined words and phrases: Plan means BCF SOLUTIONS 401(K)

More information

PRINCIPAL VARIABLE CONTRACTS FUNDS, INC.

PRINCIPAL VARIABLE CONTRACTS FUNDS, INC. PRINCIPAL VARIABLE CONTRACTS FUNDS, INC. Class 1 and Class 2 Shares ("PVC" or the "Fund ) The date of this Prospectus is May 1, 2017, as revised May 2, 2017 and previously supplemented on May 2, 2017.

More information

BCF SOLUTIONS 401(K) PLAN ERISA 404 Retirement Plan and Investment Information

BCF SOLUTIONS 401(K) PLAN ERISA 404 Retirement Plan and Investment Information BCF SOLUTIONS 401(K) PLAN ERISA 404 Retirement Plan and Investment Information 10/18/2016 Contract/Plan ID Number 4-57827 This document uses these defined words and phrases: Plan means BCF SOLUTIONS 401(K)

More information

Your investment. Your choice.

Your investment. Your choice. ONCORE VARIABLE ANNUITIES Your investment. Your choice. This material is for general use with the public and is not intended to provide investment advice for any individual. NOT A DEPOSIT NOT FDIC INSURED

More information

This supplement revises the prospectuses to reflect changes effective December 4, 2017:

This supplement revises the prospectuses to reflect changes effective December 4, 2017: This supplement revises the prospectuses to reflect changes effective December 4, 2017: page 1 of 1 Panorama Premier Variable Annuity Issued by Massachusetts Mutual Life Insurance Company Massachusetts

More information

Your Guide to Getting Started

Your Guide to Getting Started Standard Motor Products Profit Sharing 401(k) Capital Accumulation Plan Invest in your retirement and yourself today, with help from the SMP 401K Plan and Fidelity. Your Guide to Getting Started Invest

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Brighthouse Life Insurance Company Variable Investment Option Performance Update One Month YTD 1 Year 3 Year* 5 Year* * The performance data quoted represents past performance and does not guarantee future

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Brighthouse Life Insurance Company Variable Investment Option Performance Update One Month YTD 1 Year 3 Year* 5 Year* * The performance data quoted represents past performance and does not guarantee future

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Brighthouse Life Insurance Company of NY Variable Investment Option Performance Update The performance data quoted represents past performance and does not guarantee future results. Current performance

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company TEXAS TECH UNIV & HEALTH Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 03/31/2019

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company BD OF SCHOOL DIRECTORS CITY Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 11/30/2018

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company Opportunity Plus 403b Variable Annuity Account C, Non-Standardized Returns without a Deferred Sales Charge Average Annual

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company THE OHIO STATE UNIVERSITY 403B Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 09/30/2018

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company TEXAS A & M UNIVERSITY SYSTEM Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 03/31/2019

More information

SUPPLEMENT DATED APRIL 2018 TO NEW YORK S 529 COLLEGE SAVINGS PROGRAM DIRECT PLAN

SUPPLEMENT DATED APRIL 2018 TO NEW YORK S 529 COLLEGE SAVINGS PROGRAM DIRECT PLAN SUPPLEMENT DATED APRIL 2018 TO NEW YORK S 529 COLLEGE SAVINGS PROGRAM DIRECT PLAN DISCLOSURE BOOKLET AND TUITION SAVINGS AGREEMENT DATED AUGUST 31, 2016 This Supplement describes important changes and

More information

Institutional Class. Wells Fargo Adjustable Rate Government Fund. Wells Fargo Conservative Income Fund. Wells Fargo Core Plus Bond Fund

Institutional Class. Wells Fargo Adjustable Rate Government Fund. Wells Fargo Conservative Income Fund. Wells Fargo Core Plus Bond Fund Prospectus January 1, 2018 Fixed Income Funds Fund Wells Fargo Adjustable Rate Government Fund Wells Fargo Conservative Income Fund Wells Fargo Core Plus Bond Fund Wells Fargo Government Securities Fund

More information

FLEXIBLE PAYMENT VARIABLE ANNUITY

FLEXIBLE PAYMENT VARIABLE ANNUITY THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY May 1, 2018 FLEXIBLE PAYMENT VARIABLE ANNUITY Account A Individual flexible payment variable annuity contracts to provide retirement annuity benefits for

More information

Security Life of Denver Insurance Company

Security Life of Denver Insurance Company P E R F O R M A N C E U P D A T E Security Life of Denver Insurance Company Voya Survivorship Variable Universal Life-CV Average Annual Total Returns as of: 02/28/2019 (shown in percentages) Variable annuities

More information

Voya Retirement Insurance and Annuity Company

Voya Retirement Insurance and Annuity Company P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company THE OHIO STATE UNIVERSITY ARP Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 08/31/2018

More information

New York s 529 Advisor-Guided College Savings Program

New York s 529 Advisor-Guided College Savings Program NOT FDIC INSURED NO BANK, STATE OR FEDERAL GUARANTEE MAY LOSE VALUE Program manager Ascensus Broker Dealer Services, Inc. Investment manager J.P. Morgan Investment Management Inc. August 2014 New York

More information

Quality investments. Confident choices. Your guide to investment choices for Nationwide variable annuities

Quality investments. Confident choices. Your guide to investment choices for Nationwide variable annuities INVESTMENT CHOICES Quality investments. Confident choices. Your guide to investment choices for Nationwide variable annuities Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Brighthouse Life Insurance Company of NY Variable Investment Option Performance Update The performance data quoted represents past performance and does not guarantee future results. Current performance

More information

ReliaStar Life Insurance Company

ReliaStar Life Insurance Company P E R F O R M A N C E U P D A T E ReliaStar Life Insurance Company Variable Accumulation Design Average Annual Total Returns as of: 09/30/2013 (shown in percentages) The following variable investment options

More information

Duke Faculty and Staff Retirement Plan Investment Options Guide Effective as of May 2018

Duke Faculty and Staff Retirement Plan Investment Options Guide Effective as of May 2018 Duke Faculty and Staff Retirement Plan Investment Options Guide Effective as of May 2018 The Duke Faculty and Staff Retirement Plan ( Duke Retirement Plan ) investment lineup will include new investment

More information

Financial Advisor Program, October 2012 Program Description. Future Scholar. The Columbia Management Future Scholar 529 College Savings Plan

Financial Advisor Program, October 2012 Program Description. Future Scholar. The Columbia Management Future Scholar 529 College Savings Plan Future Scholar 529 College Savings Plan The Columbia Management Future Scholar 529 College Savings Plan Persons having questions concerning the Future Scholar 529 College Savings Plan (the Program ), including

More information

Municipal Income Funds

Municipal Income Funds Prospectus November 1, 2017 Municipal Income Funds Wells Fargo Fund Wells Fargo California Limited-Term Tax-Free Fund Wells Fargo California Tax-Free Fund Wells Fargo Colorado Tax-Free Fund Wells Fargo

More information

SunAmerica Series Trust SA JPMorgan Balanced Portfolio (the Portfolio )

SunAmerica Series Trust SA JPMorgan Balanced Portfolio (the Portfolio ) Filed under Rule 497(e) Registration No. 033-52742 SunAmerica Series Trust SA JPMorgan Balanced Portfolio (the Portfolio ) Supplement dated February 6, 2018 to the Portfolio s Prospectus dated May 1, 2017,

More information

J.P. Morgan Tax Aware Funds

J.P. Morgan Tax Aware Funds Prospectus J.P. Morgan Tax Aware Funds Class A, Class C & Class I* Shares July 1, 2016, as April 10, 2017 JPMorgan Tax Aware High Income Fund Class/Ticker: A/JTIAX; C/JTICX; I/JTISX JPMorgan Tax Aware

More information

This supplement revises the prospectuses to reflect changes effective December 4, 2017:

This supplement revises the prospectuses to reflect changes effective December 4, 2017: This supplement revises the prospectuses to reflect changes effective December 4, 2017: page 1 of 1 Panorama Premier Variable Annuity Issued by C.M. Life Insurance Company C.M. Multi-Account A This prospectus

More information

The material contained in this presentation is not a replacement for the prospectus. Please read the product prospectus for complete information and

The material contained in this presentation is not a replacement for the prospectus. Please read the product prospectus for complete information and The material contained in this presentation is not a replacement for the prospectus. Please read the product prospectus for complete information and full disclosure, including risks, charges and fees.

More information

Wells Fargo Target Today Fund (formerly Wells Fargo Dow Jones Target Today Fund)

Wells Fargo Target Today Fund (formerly Wells Fargo Dow Jones Target Today Fund) Prospectus July 14, 2017 Target Date Funds Wells Fargo Fund Wells Fargo Target Today Fund (formerly Wells Fargo Dow Jones Target Today Fund) Wells Fargo Target 2010 Fund (formerly Wells Fargo Dow Jones

More information

(if applicable, beneficial 1) (if applicable, beneficial 2)

(if applicable, beneficial 1) (if applicable, beneficial 2) TOMORROW S SCHOLAR Account Application Complete this application to establish a Tomorrow s Scholar account. If you would like help completing this application, contact your financial advisor or call 1-866-677-6933.

More information

CAPDN-SUPP

CAPDN-SUPP Supplement dated June 29, 2018 to CollegeAccess 529 Plan Disclosure Statement and Participation Agreement for Investors Using a Financial Advisor (Classes A, C, SD-A and SD-C) Dated July 11, 2016 Effective

More information

Portfolio Changes. Important Notice:

Portfolio Changes. Important Notice: Changes Important Notice: Effective September 25, 2015, Capital Growth underwent a change of name, subadviser, strategy, asset category, benchmark and total annual operating expenses: 1 Ohio National Fund,

More information

AMERITAS ADVISOR SERVICES. No-Load Variable Annuity (4080) May 2010 PROSPECTUS

AMERITAS ADVISOR SERVICES. No-Load Variable Annuity (4080) May 2010 PROSPECTUS AMERITAS ADVISOR SERVICES PROSPECTUS No-Load Variable Annuity (4080) May 2010 PF 145 5/10 Ameritas Advisor Services is a division of Ameritas Life Insurance Corp. Ameritas Life Insurance Corp. ("Ameritas

More information

AMERITAS ADVISOR SERVICES PROSPECTUS. Survivorship Variable Universal Life May 2008

AMERITAS ADVISOR SERVICES PROSPECTUS. Survivorship Variable Universal Life May 2008 AMERITAS ADVISOR SERVICES PROSPECTUS Survivorship Variable Universal Life May 2008 PF 230 5/08 Ameritas Advisor Services is a division of Ameritas Life Insurance Corp. Ameritas Life Insurance Corp. ("Ameritas

More information

Underlying Investments Performance / Annuity Rates of Return. Inception Date

Underlying Investments Performance / Annuity Rates of Return. Inception Date Date 7/31/2014 Benchmark Index Morningstar Lifetime Index The returns quoted represent past performance, which is no guarantee of future results. Returns and the principal value of your investment will

More information

Deferred Compensation Plan

Deferred Compensation Plan Deferred Compensation Plan E M P L O Y E E S E R V I C E S A G E N C Y EMPLOYEE BENEFITS A S S E R V I N G I T Y Y O U Y O U S E R V E O U R C O M M U N County of Santa Clara, Employee Services Agency

More information

Supplement Dated April 24, 2018 To The NextGen

Supplement Dated April 24, 2018 To The NextGen Supplement Dated April 24, 2018 To The NextGen College Investing Plan Client Direct Series Program Description And Participation Agreement Dated October 30, 2017, As Supplemented March 12, 2018 The information

More information

MPS 403(B) PLAN. Gross Fund. Fund. Net. Inception. Fund. Stability of Principal

MPS 403(B) PLAN. Gross Fund. Fund. Net. Inception. Fund. Stability of Principal P E R F O R M A N C E U P D A T E MPS 403(B) PLAN Average Annual Total Returns as of: 03/31/2019 (shown in percentages) Variable annuities and mutual funds offered through a retirement plan are intended

More information

Invest in your future

Invest in your future Investment choices performance report December 31, 2017 The Best of America V Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity What

More information

Invest in your future

Invest in your future Investment choices performance report September 30, 2018 Nationwide Destination SM L Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity

More information

THE BANK OF NEW YORK MELLON CORPORATION. 401(k) SAVINGS PLAN

THE BANK OF NEW YORK MELLON CORPORATION. 401(k) SAVINGS PLAN PROSPECTUS THE BANK OF NEW YORK MELLON CORPORATION 401(k) SAVINGS PLAN THIS DOCUMENT IS PART OF A PROSPECTUS COVERING SECURITIES THAT HAVE BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED.

More information

December 2016 QUALIFIED DEFAULT INVESTMENT ALTERNATIVE (QDIA) NOTICE

December 2016 QUALIFIED DEFAULT INVESTMENT ALTERNATIVE (QDIA) NOTICE December 2016 QUALIFIED DEFAULT INVESTMENT ALTERNATIVE (QDIA) NOTICE Important Information You are receiving this notice to inform you how your contributions under the plan(s) for Blue Ridge School will

More information

CITY OF VIRGINIA BEACH DEFERRED COMPENSATION PLAN. Statement of Investment Policy

CITY OF VIRGINIA BEACH DEFERRED COMPENSATION PLAN. Statement of Investment Policy CITY OF VIRGINIA BEACH DEFERRED COMPENSATION PLAN Statement of Investment Policy Board Approved August 10, 2016 TABLE OF CONTENTS Page INTRODUCTION... 2 OBJECTIVES OF THE PLANS... 2 INVESTMENT OPTIONS

More information

Variable Annuity Contracts

Variable Annuity Contracts Variable Annuity Contracts As disclosed in the current prospectus for your variable product, MassMutual and certain affiliated companies may receive compensation from certain funds or the fund advisers

More information

Enrollment Guide. Future Savings. Time to Focus on a Healthy RETIREMENT. YOUR ENROLLMENT GUIDE FOR THE 457(b) PLAN

Enrollment Guide. Future Savings. Time to Focus on a Healthy RETIREMENT. YOUR ENROLLMENT GUIDE FOR THE 457(b) PLAN Enrollment Guide Future Savings Time to Focus on a Healthy RETIREMENT YOUR ENROLLMENT GUIDE FOR THE 457(b) PLAN Invest some of what you earn today for what you plan to accomplish tomorrow. Your Employer

More information

COLLEGEADVANTAGE 529 PL AN HELPING YOU SAVE FOR HIGHER EDUCATION

COLLEGEADVANTAGE 529 PL AN HELPING YOU SAVE FOR HIGHER EDUCATION ADVANTAGE 529 PL AN HELPING YOU SAVE FOR HIGHER EDUCATION USRMH0319U-758774-1/8 Grow and Withdraw Assets Free From Federal Taxes * $ 25 MINIMUM $ 15k INVESTMENT MAXIMUM, PER BENEFICIARY, YOU CAN CONTRIBUTE

More information

RiverSource Variable Universal Life

RiverSource Variable Universal Life Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Insurance for month ending 06/30/2018 and quarter ending 06/30/2018 Average annual rates of return reflect all charges incurred

More information

Stable Value Fund... Benchmark

Stable Value Fund... Benchmark Release Date: 3-31-214... Benchmark Morningstar Category Overall Morningstar Rating Morningstar Return Morningstar Risk BofAML US Treasury Bill 3 Mon Stable Value QQQ Average Low Rated against 43 Short-Term

More information

GOLDMAN SACHS TRUST R6SHRESDISTR 10-17

GOLDMAN SACHS TRUST R6SHRESDISTR 10-17 GOLDMAN SACHS TRUST Supplement dated November 2, 2017 to the current Prospectuses, Summary Prospectuses and Statements of Additional Information for each applicable Goldman Sachs Fund that has Class R6

More information

TRACE SYSTEMS, INC 401(K) PLAN ERISA 404 Retirement Plan and Investment Information

TRACE SYSTEMS, INC 401(K) PLAN ERISA 404 Retirement Plan and Investment Information TRACE SYSTEMS, INC 401(K) PLAN ERISA 404 Retirement Plan and Investment Information 01/03/2017 Contract/Plan ID Number 4-59756 This document uses these defined words and phrases: Plan means TRACE SYSTEMS,

More information

New York s 529 Advisor-Guided College Savings Program

New York s 529 Advisor-Guided College Savings Program NOT FDIC INSURED NO BANK, STATE OR FEDERAL GUARANTEE MAY LOSE VALUE Program manager Ascensus Broker Dealer Services, Inc. Investment manager J.P. Morgan Investment Management Inc. August 2014 New York

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Brighthouse Life Insurance Company of NY Variable Investment Option Performance Update The performance data quoted represents past performance and does not guarantee future results. Current performance

More information

Variable Investment Option Performance Update

Variable Investment Option Performance Update Variable Investment Option Performance Update Brighthouse Life Insurance Company The performance data quoted represents past performance and does not guarantee future results. Current performance may be

More information