529 PLANS

Fidelity Advisor 529 Plan

New Hampshire

In addition to its direct-sold 529 plans and its advisor-sold ScholarShare Advisor College Savings Plan (California), Fidelity offers this program, Fidelity Advisor 529 Plan (New Hampshire) through brokers, utilizing Fidelity Advisor funds in its age-based, static, and individual fund portfolio options. To find a financial advisor in your area, use the Directory of Financial Professionals.

5-Cap Rating

Resident:
Non-Resident:

Savingforcollege.com's 5-Cap Ratings provides an evaluation and comparison of 529 plans, utilizing a formula that examines dozens of factors grouped into the following categories. (Scale 0 to 5; 5 is highest)

Performance Costs Features Reliability Resident Upgrade
2.51 3.33 2.97 3.90 0.00

Find an advisor

Enroll in Fidelity Advisor 529 Plan through a financial advisor. Search our directory of qualified financial professionals to find one near you.

General

Program type:

Savings

How to enroll:

Enroll through a financial advisor. Find a Professional

Initial year of operation:

2001

State agency(ies):

State Treasurer

Program manager:

Fidelity Investments

Program distributor:

Fidelity Investments Institutional Services Company, Inc.

Manager contract term:

Through December 31, 2018. May be extended in five-year increments through mutual agreement and with the approval of the state's governor and executive council.

Eligibility

State residency requirements:

None

Who can be a participant/owner in the program?

U.S. residents, UGMA/UTMA custodians, and legal entities.

Significant time or age restrictions imposed by the program:

None

Contributions

Maximum contributions:

For 2016, accepts contributions until all account balances in New Hampshire's 529 plans for the same beneficiary reach $375,000.

Minimum contributions:

With lump-sum contributions, the minimum initial contribution is $1,000, with no minimum for subsequent investments. With the automatic investment plan, the minimum contribution level is $50 per month.

Investment Options

Age-based investment options:

The Age-Based Strategy contains 8 portfolios of underlying mutual funds. Contributions are placed into the portfolio corresponding to the age of the beneficiary or as determined by the account owner. 7 portfolios shift to a more conservative investment allocation over time, eventually transferring to the College portfolio.

Static investment options:

Select among 2 multi-fund portfolios (Aggressive Growth (formerly 100% Equity) and Moderate Growth (formerly 70% Equity)) and 17 individual-fund portfolios.

Underlying investments:

Fidelity Advisor Funds and Fidelity Cash Reserves.

Underlying fund allocations:

Click here, you need Microsoft Excel to open this document.

Investment performance link:

Click here to visit, link to the program website containing most current performance data. Click on Pricing and Performance under College Savings Plan menu link.

Portfolio Fees & Performance Lookup

Click here to visit, pricing and performance details for each portfolio in each share class. Data can be plugged into FINRA's 529 Expense Analyzer.

Fees & Expenses

Enrollment or application fee:

None, but contributions may be subject to a sales charge depending on unit class.

Account maintenance fee:

$20 annually for accounts with less than $25,000, waived with automatic contributions of at least $50 per month of $150 per quarter.

Program management fees:

0.20% management fee (includes 0.10% fee to the state), plus distribution/servicing fees as follows:

Fixed income, individual-fund portfolios: 0.15% (Class A), 1.00% (Class C), or 0.75% (Class P)

All other portfolios: 0.25% (Class A), 1.00% (Class C), or 0.75% (Class P)

Expenses of the underlying investments:

Ranges from 0.54% to 0.85% (portfolio weighted average) in the age-based and static multi-fund portfolios, and from 0.37% to 0.97% in the individual-fund portfolios.

Total asset-based expense ratio:

Class A: 0.82% - 1.42%
Class C: 1.57% - 2.17%
Class P: 1.32% - 1.92%

Broker loads and commissions:

Class A Inflation-Protected Bond portfolio:
Maximum initial sales charge: 3.75%
Dealer: 3% commission and 0.15% annual trail beginning immediately

Class A High Income, Inflation Protected Bond, Strategic Income, Total Bond individual-fund portfolios:
Maximum initial sales charge: 4.75%
Dealer: 4.25% commission and 0.15% annual trail beginning immediately

Class A all other portfolios:
Maximum initial sales charge: 5.75%
Dealer: 5% commission and 0.25% annual trail beginning immediately

Class B: Closed to new accounts and additional purchases by existing Participants as of September 1, 2010

Class C:
CDSC: 1% within the first 12 months only
Dealer: 1% commission and 1% annual trail beginning in month 13

Class P:
No initial sales charge or CDSC
Dealer: 0% commission and 0.50% annual trail beginning immediately
Available only in workplace programs

Breakpoint pricing:

A unit sales load (dealer commission) for accounts opened on or after June 24, 2003:

Equity, global strategies, and strategic dividend portfolios:
Less than $50,000 - 5.75% (5%)
$50,000- $99,999 - 4.5% (3.75%)
$100,000-$249,999 - 3.5% (2.75%)
$250,000-$499,999 - 2.5% (2%)
$500,000-$999,999 - 2% (1.75%)
$1 million or more - 0% (1% finder's fee and 1 year 1% CDSC)

High income, strategic income, total bond, and inflation protected bond portfolios:
Less than $50,000 - 4.75% (4.25%)
$50,000- $99,999 - 4.5% (4%)
$100,000-$249,999 - 3.5% (3%)
$250,000-$499,999 - 2.5% (2.25%)
$500,000-$999,999 - 2% (1.75%)
$1 million or more - 0% (1% finder's fee and 1 year 1% CDSC)

Intermediate bond portfolio:
Less than $50,000 - 3.75% (3%)
$50,000- $99,999 - 3% (2.25%)
$100,000-$249,999 - 2.25% (1.75%)
$250,000-$499,999 - 1.75% (1.5%)
$500,000-$999,999 - 1.5% (1.25%)
$1 million or more - 0% (1% finder's fee and 1 year 1% CDSC)

Does breakpoint pricing include non-529 assets under rights of accumulation policies

Yes, assets in Fidelity Advisor Mutual Funds may be included for purposes of breakpoint pricing and rights of accumulation.

Taxes and other Benefits

Program match on contributions:

None.

State tax deduction or credit for contributions:

Not applicable. New Hampshire does not have a personal income tax.

State tax treatment of qualified distributions:

Not applicable. New Hampshire does not have a personal income tax. Qualified distributions from New Hampshire and non-New Hampshire 529 plans are exempt from New Hampshire interest and dividends tax.

Does the sponsoring state exclude the value of an account for state financial aid purposes?

No

Does participation in the program provide beneficiaries with any advantages in qualifying for resident tuition status at state institutions?

No

Does the program have a formal agreement with a rewards program or outside scholarship program?

Yes, Fidelity Investments 529 College Rewards American Express Card rebates 2% of purchases.

Statutory protection of an account from creditors:

None.

Distributions & Terminations

To whom are distributions made payable:

Beneficiary, eligible educational institution, or other distributee including the account owner

Account Changes

Policy regarding participant/owner changes:

Account ownership may not be transferred prior to the owner's death or incapacity.

Documents, Access & Reporting

Documents and other services accessible or downloadable on the program's public Web site:

Offering Statement

Contact

Web site:

Click here to visit

Telephone:

1-877-208-0098

Telephone for broker use:

1-800-544-9999

Search our directory of qualified financial professionals to find one near you!

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