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Future Path 529 Plan

4 / 5

Our rating

Good NV resident benefits

NV resident benefits

The Future Path 529 plan offers a variety of investment options that use JPMorgan ETFs as the main investment vehicle. The Plan is managed by Ascensus College Savings with JPMIM as the investment manager. The program features college-date, risk-based and static portfolio options utilizing JPMorgan ETFs. To find a financial advisor in your area, use the Directory of Financial Professionals.

Future Path 529 PlanHonors

KEY METRICS

OVERVIEW

Program type

Savings

Inception

2023

State agency

Board of Trustees of the College Savings Plans of Nevada

Tax deduction

For single filers: None

For joint filers: None

Program manager

Ascensus College Savings is program manager.

Program distributor

JPMorgan Distribution Services, Inc.

Manager contract term

MORE INFORMATION

Eligibility

State residency requirements:

None

Who can be a participant/owner in the program?

U.S. citizens and resident aliens of legal age, UGMA/UTMA custodians, and legal entities.

Significant time or age restrictions imposed by the program:

None

Contributions

Maximum contributions:

Accepts contributions until all account balances in Nevada's 529 plans for the same beneficiary reach $500,000.

Minimum contributions:

With lump-sum contributions, the minimum initial contribution is $15, and the minimum subsequent contribution is $15 per month or $45 per quarter. With the automatic investment plan, the minimum contribution level is $15 per month or $45 per quarter via bank transfer or $15 per paycheck via payroll deduction.

Does the program offer an e-gifting platform for receiving gift contributions?

This plan offers a robust gifting platform that allows gift-givers to save their own profile for recurring or future contributions.

Investment Options

Investors in Future Path 529 Plan can select from the following investment options. Click on a portfolio name for more information.

Seven College-Date Portfolios allow account owners to select the year in which the beneficiary is expected to start college. The portfolio's investment track is automatically adjusted from more aggressive to more conservative as the beneficiary grows older (and closer to the selected college date year).
PortfolioE.R. % Equity1yr performance
Future Path 529 College 2027 Portfolio0.66%35%5.31%
Future Path 529 College 2030 Portfolio0.66%55%5.32%
Future Path 529 College 2033 Portfolio0.65%70%5.54%
Future Path 529 College 2036 Portfolio0.66%85%5.66%
Future Path 529 College 2039 Portfolio0.66%95%5.54%
Future Path 529 College 2042 Portfolio0.66%95%5.54%
Future Path 529 College Enrollment Portfolio0.65%20%5.07%

Age-based/Enrollment Year investment options:

Seven College-Date Portfolios allow account owners to select the year in which the beneficiary is expected to start college. The portfolio's investment track is automatically adjusted from more aggressive to more conservative as the beneficiary grows older (and closer to the selected college date year).

Static investment options:

Select among three risk-based portfolios (aggressive, moderate, or conservative), 17 individual-fund portfolios.

Underlying investments:

JP Morgan ETFs, where applicable, mutual funds managed by JPMIM Funds Management, Inc.

Underlying fund allocations:

Portfolio Fees & Performance Lookup

Fees & Expenses

Enrollment or application fee:

None.

Account maintenance fee:

$20 annually, waived if either the account owner or beneficiary is a resident of Nevada or if the account owner is invested in the Savings Portfolio at the time the annual fee is assessed.

Program management fees:

management fee 0.22% class A and C, 0.18% class Z plus state fee of 0.02%.

Expenses of the underlying investments:

0.16% - 0.17% in the age based and static portfolios; 0.02% - 0.50% in the individual fund portfolios.

Total asset-based expense ratio:

0.51% - 0.99% class A 1.17% - 1.71% class C 0.22 - 0.71% class Z

Broker loads and commissions:

Taxes and other Benefits

Tax deduction for single filers:

None

Tax deduction for joint filers:

None

Note:

Nevada doesn't offer tax deductions

Program match on contributions:

The Silver State Matching Grant Program provides a maximum $300 annual matching contribution ($1,500 lifetime maximum) for each beneficiary from a Nevada family with prior-year AGI of $74,999 or less. The account owner must also be a Nevada resident. Applications are accepted each year from April 1 through July 31.

State tax deduction or credit for contributions:

Not applicable. Nevada does not have a personal income tax.

State definition of qualified expenses

The state conforms with the federal definition of qualified education expenses, which includes expenses for higher education, apprenticeship programs, interest and/or principal on qualified education loans up to a $10,000 lifetime cap, and up to $10,000 per year in tuition in connection with enrollment or attendance at an elementary or secondary public, private, or religious school. Distributions from a 529 account directly to a Roth IRA are considered a qualified expense.

State tax treatment of qualified distributions:

Not applicable. Nevada does not have a personal income 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

Is there a rewards program or outside scholarship program that works with this program?

the Upromise Rewards program can be linked to any 529 college savings plan. Upromise Rewards is free to join and offers members cash back for college.

Statutory protection of an account from creditors:

Distributions & Terminations

To whom are distributions made payable:

Eligible educational institution, beneficiary, or account owner, as directed by the account owner.

Account Changes

Policy regarding participant/owner changes:

Accepts requests to transfer account ownership.

Documents, Access & Reporting

Does participant have online password-protected access to account?

Yes

Can the complete enrollment process including funding be done online?

Yes

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

Contact

Website:

https://futurepath529.com

Telephone:

1-800-587-7305.

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