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Fidelity Advisor 529 Plan

3.5 / 5

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Basic NH resident benefits

NH resident benefits

In addition to its direct-sold 529 plans, Fidelity offers the Fidelity Advisor 529 Plan through brokers, utilizing Fidelity Series funds in its age-based and static portfolio options, and Fidelity Advisor funds in its individual fund portfolio options. To find a financial advisor in your area, use the Directory of Financial Professionals.

Fidelity Advisor 529 Plan

KEY METRICS

OVERVIEW

Program type

Savings

Inception

2001

State agency

New Hampshire State Treasurer

Tax deduction

For single filers: None

For joint filers: None

Program manager

Fidelity Investments

Program distributor

Fidelity Distributors Company LLC

Manager contract term

MORE INFORMATION

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:

$621,411 per Beneficiary

Minimum contributions:

There is no minimum to open an account. With the automatic investment plan, the minimum contribution level is $50 per month or $150 per quarter.

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

This plan does not offer an online gifting portal allowing for easy sharing but may offer gift certificates or allow mail-in gift contributions.

Investment Options

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

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.
PortfolioE.R. % Equity1yr performance
FA 529 Portfolio 20371.06%70.8%5.19%
FA 529 Portfolio 20391.08%79.66%5.29%
FA 529 Portfolio 20421.12%92.93%5.4%
FA 529 Portfolio 20250.93%17.29%5.01%
FA 529 College Portfolio0.92%15%4.92%
FA 529 Portfolio 20280.97%31.12%5.06%
FA 529 Portfolio 20311%44.24%4.98%
FA 529 Portfolio 20341.03%57.44%5.02%

Age-based/Enrollment Year 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, Fidelity Series Funds

Underlying fund allocations:

Portfolio Fees & Performance Lookup

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), 0.75% (Class P), none (Class I)

All other portfolios: 0.25% (Class A), 1.00% (Class C), or 0.75% (Class P), none (Class I)

Expenses of the underlying investments:

Ranges from 0.47% to 0.80% (portfolio weighted average) in the age-based and static multi-fund portfolios, and from 0.05 to 1.14% in the individual-fund portfolios.

Total asset-based expense ratio:

Class A: 0.40% - 1.59%
Class C: 1.25% - 2.34%
Class P: 1.00% - 2.09%
Class I: 0.25% - 1.34%

Broker loads and commissions:

Breakpoint pricing:

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

Taxes and other Benefits

Tax deduction for single filers:

None

Tax deduction for joint filers:

None

Note:

New Hampshire doesn't offer tax deductions

Program match on contributions:

None.

State tax deduction or credit for contributions:

Not applicable. New Hampshire 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 for state income tax purposes.

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

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

Yes, Fidelity Rewards Visa Signature Card rebates 2% of purchases.

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:

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:

Contact

Website:

https://institutional.fidelity.com/app/item/RD_13569_14599/fidelity-advisor-529-plan.html?pos=T

Telephone:

1-877-208-0098

Telephone for broker use:

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