Tax-advantaged investing, simplified.

It’s simple: What you save on taxes could go towards college savings.

HI529 offers unique tax advantages, including:

Tax-deferred growth. Earnings grow tax deferred from federal and state income taxes.
Tax-free withdrawals. Withdrawals for qualified higher education expenses are exempt from federal and state tax.¹
Gift-tax benefits. Contributions qualify for the $15,000 (or $30,000 for married couples filing jointly) federal annual gift tax exclusion per beneficiary.
Estate planning benefits. Reduce your personal taxable estate by making five years' worth of gifts (up to $75,000; $150,000 for married couples filing jointly) in one lump sum.²

¹Earnings on non-qualified withdrawals are subject to federal income tax and may be subject to a 10% federal penalty tax, as well as state and local income taxes. The availability of tax or other benefits may be contingent on meeting other requirements. See the Disclosure Booklet for more details on qualified expenses.
²In the event you do not survive the five-year period, a pro-rated amount will revert back to your taxable estate.

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For more information about HI529-Hawaii's College Savings Program ("HI529"), call 1-866-529-3343 or visit www.hi529.com to obtain a Plan Disclosure Statement. Investment objectives, risks, charges, expenses, and other important information are included in the Plan Disclosure Statement; read and consider it carefully before investing. Ascensus Broker Dealer Services, LLC ("ABD"), is the Distributor of HI529.

Please Note: Before you invest, 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 that state’s qualified tuition program. You should consult your financial, tax, or other adviser to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. You also may wish to contact directly your home state’s 529 plan(s), or any other 529 plan, to learn more about those plan’s features, benefits and limitations. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision.

The State of Hawaii's College Savings Program Trust Fund (the "Trust") is a trust created by the State of Hawai'i. HI529 is administered by the Director of Finance of the Department of Budget and Finance on behalf of the State of Hawai'i. ABD, the Program Manager, and its affiliates have overall responsibility for the day-to-day operations, including recordkeeping and administrative servicing agent. The Vanguard Group, Inc. serves as Investment Manager for the Plan. When you invest in HI529, you are purchasing units issued by the Trust. Units are municipal securities and the value of the units will vary with market conditions. HI529's portfolios are municipal securities that will vary with market conditions.

Investment returns are not guaranteed, and you could lose money by investing in HI529. Account owners assume all investment risks as well as responsibility for any federal and state tax consequences.

Ugift is a registered service mark of ABD. All other marks are the exclusive property of their respective owners.

Vanguard and the ship logo are trademarks of The Vanguard Group, Inc.

Not FDIC-Insured. No Bank, State or Federal Guarantee. May Lose Value.