FRANKLIN TEMPLETON 529 COLLEGE SAV INGS PLAN Offered Nationwide by the New Jersey Higher Education Student Assistance Authority 1 College Savings Age-Based Conservative Asset Allocation 2 Newborn 8 Years Age 9 12 Years Age 13 16 Years Age 17+ Years.... 35.0%.. 15.0%........... 40.0%............ 10.0%.... 17.5%.. 7.5%........... 60.0%............ 15.0%........... 80.0%............ 20.0%............ 60.0%........... 40.0% Franklin Growth Fund 7.75% 4.00% 0.00% 0.00% Franklin Growth Opportunities Fund 7.75% 3.75% 0.00% 0.00% Franklin Mutual Shares Fund 7.25% 3.75% 0.00% 0.00% Franklin Rising Dividends Fund 4.75% 2.25% 0.00% 0.00% Franklin Small-Mid Cap Growth Fund 4.75% 2.50% 0.00% 0.00% Franklin Utilities Fund 2.25% 1.25% 0.00% 0.00% Exchange Traded Funds 0.00% 0.00% 0.00% 0.00% Franklin International Small Cap Growth Fund 4.75% 2.75% 0.00% 0.00% Franklin Mutual European Fund 4.75% 2.25% 0.00% 0.00% Templeton Foreign Fund 5.25% 2.50% 0.00% 0.00% Franklin Gold and Precious Metals Fund 0.00% 0.00% 0.00% 0.00% Exchange Traded Funds 1.50% 0.75% 0.00% 0.00% Templeton Global Bond Fund 10.75% 16.00% 21.75% 10.75% Franklin Total Return Fund 9.75% 14.75% 19.50% 9.75% Franklin U.S. Government Securities Fund 9.25% 14.25% 19.25% 9.75% Franklin Strategic Fund 7.50% 11.50% 15.50% 7.50% Franklin High Fund 0.00% 0.00% 0.00% 0.00% Exchange Traded Funds 2.25% 3.25% 4.00% 2.25% Money Market Portfolio 9.75% 14.50% 20.00% 60.00% 100.00% 100.00% 100.00% 100.00% Advisor Shares 0.91% Advisor Shares 0.85% Advisor Shares 0.79% Advisor Shares 0.67% A Shares... 1.16% A Shares... 1.09% A Shares... 1.02% A Shares... 0.85% B Shares... 1.91% B Shares... 1.84% B Shares... 1.77% B Shares... 1.60% C Shares... 1.91% C Shares... 1.84% C Shares... 1.77% C Shares... 1.60% 1. Offered and administered by the New Jersey Higher Education Student Assistance Authority (HESAA); managed and distributed by Franklin Templeton Distributors, Inc., an affiliate of Franklin Resources, Inc., which operates as Franklin Templeton Investments. No federal or state guarantee. Principal value may be lost, and investing in the Plan does not guarantee admission to college or sufficient funds for college. Please refer to the Investor Handbook for more complete information. 2. The Plan is managed by Franklin Mutual Advisers, LLC, an affiliate of Franklin Templeton Distributors, Inc. Plan portfolios generally invest in mutual funds managed by affiliates of Franklin Mutual Advisers, LLC. An investment in Franklin Templeton 529 College Savings Plan is an investment in a municipal security that may invest in one or more underlying mutual funds. It is not an investment in shares of the underlying mutual fund(s). 3. Underlying funds and/or allocations are subject to change, which would alter weighted average expenses of the underlying fund. Advisor Class shares are only offered to certain eligible investors as stated in the Investor Handbook. They are offered without sales charges or annual sales fees. Plan portfolios offer multiple share classes, which are subject to different fees and expenses that will affect their performance. Please see the Investor Handbook for details. Not FDIC Insured May Lose Value No Bank Guarantee
Franklin Templeton 529 College Savings Plan Age-Based Moderate Asset Allocation 2 Newborn 8 Years Age 9 12 Years Age 13 16 Years Age 17+ Years.... 50.0%.. 25.0%........... 20.0%............ 5.0%.... 35.0%.. 15.0%........... 40.0%............ 10.0%.... 17.5%.. 7.5%........... 60.0%............ 15.0%........... 80.0%............ 20.0% Franklin Growth Fund 11.75% 8.00% 4.00% 0.00% Franklin Growth Opportunities Fund 11.75% 7.75% 3.75% 0.00% Franklin Mutual Shares Fund 10.50% 7.00% 2.50% 0.00% Franklin Rising Dividends Fund 7.50% 5.00% 2.50% 0.00% Franklin Small-Mid Cap Growth Fund 7.25% 4.75% 2.50% 0.00% Franklin Utilities Fund 3.75% 2.50% 2.25% 0.00% Exchange Traded Funds 0.00% 0.00% 0.00% 0.00% Franklin International Small Cap Growth Fund 7.25% 5.00% 2.75% 0.00% Franklin Mutual European Fund 6.25% 4.50% 2.25% 0.00% Templeton Foreign Fund 7.00% 5.00% 2.25% 0.00% Franklin Gold and Precious Metals Fund 0.00% 0.00% 0.00% 0.00% Exchange Traded Funds 2.25% 1.50% 0.75% 0.00% Templeton Global Bond Fund 5.25% 10.50% 16.00% 21.75% Franklin Total Return Fund 4.75% 9.75% 14.50% 19.50% Franklin U.S. Government Securities Fund 4.75% 9.25% 14.50% 19.50% Franklin Strategic Fund 3.75% 7.50% 11.25% 15.50% Franklin High Fund 0.00% 0.00% 0.00% 0.00% Exchange Traded Funds 1.25% 2.00% 3.25% 4.25% Money Market Portfolio 5.00% 10.00% 15.00% 19.50% 100.00% 100.00% 100.00% 100.00% Advisor Shares 0.97% Advisor Shares 0.91% Advisor Shares 0.85% Advisor Shares 0.79% A Shares... 1.23% A Shares... 1.17% A Shares... 1.09% A Shares... 1.02% B Shares... 1.98% B Shares... 1.92% B Shares... 1.84% B Shares... 1.77% C Shares... 1.98% C Shares... 1.92% C Shares... 1.84% C Shares... 1.77% 4. Includes: (1) current program management fee of 25 basis points; (2) current ongoing sales fees of 25 basis points for Class A and 100 basis points for Classes B and C; and (3) the weighted average of underlying fund historical expenses. Not past or current expense information for any Plan portfolio. Class A expenses do not include front-end load; Class B and C expenses do not include contingent deferred sales charge of 1 4%. Plan fees are subject to change; current underlying fund expenses may differ from those used to calculate expenses and will vary in the future. Underlying fund historical expense information is: (1) for Advisor or Class Z shares (or, for S&P 500 Index Fund, Select Class shares); (2) weighted to reflect the current proportion of investment. The expenses of the underlying funds of the Franklin U.S. Government Money are being waived or reimbursed from an estimated 0.35% to 0.19%; such waivers and reimbursements may be reduced or ended at any time, which would increase future expenses. The program management fee of 0.25% is currently being waived for the Franklin U.S. Government Money ; that waiver may be reduced or ended at any time, which would increase future expenses. 5. Effective July 10, 2017, Trust Portfolios began offering Advisor Class shares. For periods prior to the Advisor Class inception date, a restated figure is used based on each Trust Portfolio s Class A performance, excluding the effect of Class A s maximum initial sales charge but reflecting the effect of the Class A sales fees; and for periods after the Trust Portfolio s Advisor Class inception date, actual Advisor Class performance is used, reflecting all charges and fees applicable to that class.
Age-Based Growth Asset Allocation 2 Newborn 8 Years Age 9 12 Years Age 13 16 Years Age 17+ Years.... 70.0%.. 30.0%.... 50.0%.. 25.0%.... 35.0%.. 15.0%.... 17.5%.. 7.5%........... 20.0%........... 40.0%........... 60.0%............ 5.0%............ 10.0%............ 15.0% Franklin Growth Fund 14.75% 11.75% 8.00% 4.00% Franklin Growth Opportunities Fund 15.00% 11.25% 7.75% 3.75% Franklin Mutual Shares Fund 15.00% 11.00% 6.75% 3.50% Franklin Rising Dividends Fund 10.00% 7.75% 5.00% 2.50% Franklin Small-Mid Cap Growth Fund 9.75% 7.25% 4.75% 2.50% Franklin Utilities Fund 4.75% 3.75% 2.50% 1.50% Exchange Traded Funds 0.00% 0.00% 0.00% 0.00% Franklin International Small Cap Growth Fund 9.50% 7.50% 5.00% 2.50% Franklin Mutual European Fund 9.00% 6.00% 4.25% 2.25% Templeton Foreign Fund 9.00% 6.75% 4.75% 2.25% Franklin Gold and Precious Metals Fund 0.00% 0.00% 0.00% 0.00% Exchange Traded Funds 3.00% 2.25% 1.50% 0.75% Templeton Global Bond Fund 0.00% 5.25% 10.50% 16.00% Franklin Total Return Fund 0.00% 4.75% 9.50% 14.50% Franklin U.S. Government Securities Fund 0.00% 4.50% 9.25% 14.25% Franklin Strategic Fund 0.00% 3.75% 7.50% 11.50% Franklin High Fund 0.00% 0.00% 0.00% 0.00% Exchange Traded Funds 0.00% 1.00% 2.25% 3.25% Money Market Portfolio 0.25% 5.50% 10.75% 15.00% 100.00% 100.00% 100.00% 100.00% Advisor Shares 1.02% Advisor Shares 0.97% Advisor Shares 0.91% Advisor Shares 0.85% A Shares... 1.29% A Shares... 1.23% A Shares... 1.16% A Shares... 1.09% B Shares... 2.04% B Shares... 1.98% B Shares... 1.91% B Shares... 1.84% C Shares... 2.04% C Shares... 1.98% C Shares... 1.91% C Shares... 1.84%
Franklin Templeton 529 College Savings Plan Objective-Based Asset Allocation 2 Founding Funds Franklin Fund....... 33 1 3% Franklin Mutual Shares Fund 33 1 3% Templeton Growth Fund....... 33 1 3% Corefolio Growth Growth &....... 80%........ 20% Franklin Growth Opportunities Fund 25% Franklin Growth Fund......... 25% Franklin Mutual Shares Fund... 25% Templeton Growth Fund......... 25% Domestic Equity........ 70% International Equity........ 30% Domestic Equity........ 35% International Equity........ 15%....... 40%........ 10% Franklin Mutual Shares Fund 33.00% 24.50% Templeton Growth Fund 33.50% 25.25% Franklin Fund 33.25% 0.00% Franklin Growth Opportunities Fund 0.00% 25.00% Franklin Growth Fund 0.00% 25.00% Money Market Portfolio 0.25% 0.25% Franklin Growth Fund 15.00% 8.00% 0.00% Franklin Growth Opportunities Fund 15.00% 7.75% 0.00% Franklin Mutual Shares Fund 14.50% 7.00% 0.00% Franklin Rising Dividends Fund 10.00% 5.50% 0.00% Franklin Small-Mid Cap Growth Fund 10.00% 5.25% 0.00% Franklin Utilities Fund 4.75% 2.75% 0.00% Exchange Traded Funds 0.00% 0.00% 0.00% Franklin International Small Cap Growth Fund 9.50% 5.00% 0.00% Franklin Mutual European Fund 9.00% 3.75% 0.00% Templeton Foreign Fund 9.00% 4.00% 0.00% Franklin Gold and Precious Metals Fund 0.00% 0.00% 0.00% Exchange Traded Funds 3.00% 1.50% 0.00% Templeton Global Bond Fund 0.00% 10.25% 21.25% Franklin Total Return Fund 0.00% 9.50% 19.25% Franklin U.S. Government Securities Fund 0.00% 9.75% 20.00% Franklin Strategic Fund 0.00% 7.25% 15.25% Franklin High Fund 0.00% 0.00% 0.00% Exchange Traded Funds 0.00% 2.25% 4.25% Money Market Portfolio 0.25% 10.50% 20.00% Total 100.00% 100.00% 100.00% 100.00% 100.00% Advisor Shares 0.94% Advisor Shares 0.99% Advisor Shares 1.02% Advisor Shares 0.92% Advisor Shares 0.79% A Shares...1.20% A Shares...1.25% A Shares...1.29% A Shares...1.16% A Shares...1.02% B Shares...1.95% B Shares...2.00% B Shares...2.04% B Shares...1.91% B Shares...1.77% C Shares...1.95% C Shares...2.00% C Shares...2.04% C Shares...1.91% C Shares...1.77%
Franklin Templeton 529 College Savings Plan INDIVIDUAL PORTFOLIOS 2 Investment Options Underlying Funds 3 as of 9/30/17 Total Annual Expenses, Including Estimated Indirect Expenses of Any Underlying Funds 3,4,5 Global Franklin Mutual Global Discovery Franklin Mutual Global Discovery Fund Advisor Shares 1.24% A Shares 1.49% C Shares 2.24% Templeton Growth Templeton Growth Fund Advisor Shares 1.07% A Shares 1.32% B Shares 6 2.07% C Shares 2.07% Growth Franklin Growth Franklin Growth Fund Advisor Shares 0.86% A Shares 1.11% B Shares 6 1.86% C Shares 1.86% Franklin Small-Mid Cap Growth Franklin Small-Mid Cap Advisor Shares 0.96% Growth Fund A Shares 1.20% B Shares 6 1.95% C Shares 1.95% Value Franklin Mutual Shares Franklin Mutual Shares Fund Advisor Shares 1.05% A Shares 1.30% B Shares 6 2.05% C Shares 2.05% International Templeton Global Bond Templeton Global Bond Fund Advisor Shares 0.90% A Shares 1.15% C Shares 1.90% Franklin Franklin Fund Advisor Shares 0.71% A Shares 0.97% B Shares 6 1.72% C Shares 1.72% Franklin Money U.S. Government IFT Money Market Fund Advisor Shares 0.19% 7 A Shares 0.19% B Shares 6 0.19% C Shares 0.19% Index Style S&P 500 Index S&P 500 Index Fund Advisor Shares 0.29% A Shares 0.54% B Shares 6 1.29% C Shares 1.29% You could lose money by investing in the Franklin Money U.S. Government. Because the share price of the portfolio will fluctuate, when you sell your shares they may be worth more or less than what you originally paid for them. An investment in the portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The portfolio s sponsor has no legal obligation to provide financial support to the portfolio, and you should not expect that the sponsor will provide financial support to the portfolio at any time. 6. New or additional investments in Class B Trust Shares, will not be permitted. 7. For the Franklin Money U.S. Government, the annual sales and program management fees are currently being waived. In addition, the underlying fund expenses are being waived from an estimated 0.35% down to 0.19% for A, B and C share classes.
PRODUCT INFORMATION Features Available Share Classes Advisor, A or C Investment Options 3 Age-Based Asset Allocations, 5 Objective-Based Asset Allocations, 9 Individual Portfolios Minimum Initial Investment $250 Annual Account Fee No Annual Account Fee Minimum Initial Investment with $50 Program Management Fee 25 basis points (0.25%) Automatic Investment Plan Maximum Contribution Limit $305,000 State Residency Requirement None Investors should carefully consider 529 plan investment goals, risks, charges and expenses before investing. To obtain the Investor Handbook, which contains this and other information, talk to your financial advisor or call Franklin Templeton Distributors, Inc., the manager and underwriter for the 529 plan at (866) 362-1597 or visit franklintempleton.com. You should read the Investor Handbook carefully before investing and consider whether your, or the beneficiary s, home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in its qualified tuition program. For more information, speak to your financial advisor on how to get started. Franklin Templeton Distributors, Inc. One Franklin Parkway San Mateo, CA 94403-1906 franklintempleton.com 2017 Franklin Templeton Investments. All rights reserved. 529 FLALL 10/17