©2019 my529 |The term my529 is a registered service mark.

standardOctober 2019 my529.org | 800.418.2551

the

What’s Inside

A present for your future2 National campaign

for higher education2 A passport to global education3

Investment optionperformance52019 year-end

deadlines4 Glossary4 An installment plan for college4

Utah state tax benefits information4

MY529 PROVIDES A NEW MEASURE FOR ACCOUNT PERFORMANCE Now available to my529 account owners—your account’s personal rate of return.

The personal rate of return (also known as a dollar-weighted rate of return) represents an account’s individual performance as calculated by my529. It measures the performance of the account (including dividends, interest and fees), and it considers the impact of the size of contributions and withdrawals over the date range being evaluated. Market fluctuations are also included.

Withdrawals are not treated as a decline in a return, but they will decrease the account’s principal for the return calculation. Account performance is calculated every business day for each account.

The personal rate of return differs from the monthly performance returns published on my529.org in that the monthly performance returns are normalized and do not reflect individual account transactions but are a measure of market activity of the underlying funds that make up my529’s 13 investment options.

Your personal rate of return

Account owners can view their personal rate of return through Account Access. The rate of return is automatically calculated for year-to-date, but account owners can adjust the date range as far back as January 1, 2005, or account opening, whichever is the later date.

The personal rate of return should not be used to make investment decisions. The personal rate of return is provided by my529 as a courtesy for informational

purposes only with respect to the unique transaction activity that occurred within an account. You should consider other factors like your time horizon, risk tolerance, investment objectives, personal financial situation and tax implications before making changes to your investment options. Past performance is not a guarantee of future performance.

An FAQ about the Personal Rate of Return is available in Account Access.

You can find the personal rate of return for your my529 accounts in Account Access.

2PO Box 145100, Salt Lake City, UT 84114-5100

my529 joins national campaign to promote saving for higher education Do your children or grandchildren love “Daniel Tiger’s Neighborhood”? my529 has partnered with Fred Rogers Productions, creators of the animated PBS series, for a national campaign to help parents prepare their children for higher education.

As part of the campaign, the College Savings Plans Network (CSPN) has published The Roadmap For Their Future, a guide for children from infants to high school seniors to help families financially prepare for college. my529 is a member organization of CSPN.

The free guide is available for download at 529forcollege.com. It includes interactive activities for children, ideas to encourage thinking about future careers, suggestions to mark and honor areas of success and strategies to teach children of all ages about money.

The Roadmap is CSPN’s latest initiative after launching the campaign in March 2019 with ads on “Daniel Tiger’s Neighborhood.”

The goal of my529 and CSPN is to encourage families to invest for higher education and reduce reliance on student loans, including the interest that comes with those loans.

529forcollege.com also features a “How Much Could You Save” college savings calculator, basic information and quizzes on 529 plans, Daniel Tiger coloring sheets and “A Tigertastic Activity” to help children learn generosity.

IN A TIME OF GIVING, MAKE EDUCATION A PRIORITYGiving Tuesday, the Tuesday after Thanksgiving, is a day when people are encouraged to donate to various causes and organizations.

Take a moment while starting the holiday gift-giving season to support your favorite charity. In addition, it’s a great time to remind your family and friends that the gift of education is a lasting gift.

Enroll in the my529 Gift Program, where loved ones can give the gift of education directly to your beneficiary’s account. It’s easy to sign up, and simple for friends and family to contribute.

While the holiday season is a great opportunity for family and friends to contribute to your beneficiary’s my529 account, they can donate for other occasions as well, such as birthdays, holidays, graduations, milestones or just because.

Visit gift.my529.org to find more information and learn about other options like gift notices.

A present for the future

How to enroll in the my529 Gift Program

It takes just a few minutes.

1. Log in to your account at my529.org.

2. Activate a personal gift page by selecting Gift Program. Click “enable gifting” for your gift page link and a unique gift code.

3. Share the link and gift code with friends and family via word-of-mouth, email or social media.

4. They can use the code to contribute to your my529 account.

A year-by-year, grade-by-grade guide—from parents, to parents

my529 OFFICES ARE CLOSED

Thanksgiving Day, Thursday, November 28, 2019

Day after Thanksgiving, Friday, November 29, 2019

Christmas Day, Wednesday, December 25, 2019

New Year’s Day, Wednesday, January 1, 2020

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YOU CAN USE MY529 FUNDS AT ELIGIBLE EDUCATIONAL INSTITUTIONS ABROADAsk anyone who has gone away to college—attending school far from home creates opportunities beyond the classroom. Explore a new city and form lasting friendships, all while earning a degree.

But how about a different part of the globe? A semester abroad can be meaningful, or you could consider enrolling full time in a college or university in another country. Connect with a different culture, and you may find that this path opens doors you never expected.

my529 funds can also be used for qualified higher education expenses at eligible educational institutions outside the United States. To locate potential schools, search the quarterly U.S. Department of Education list of eligible educational institutions that are qualified to participate in federal student aid programs.*

Here are seven college destinations that may not be on your radar.

IRELAND—Discover your Irish roots—or set down new ones—at universities in Dublin, Galway, Cork, Limerick or Belfast.

AUSTRALIA—Say “G’day” to an Australian university in Sydney, Melbourne, Canberra or Brisbane, as well as many other institutions throughout the country. If you’ve ever wanted to snorkel the Great Barrier Reef, traverse the Outback or visit the famed Sydney Opera House, you’re on the right continent.**

ISRAEL—If Israel is more your style, try The Hebrew University of Jerusalem, Tel Aviv University, or the University of Haifa. Learn more about the political history of the region, the challenges it faces today, and how the ancient and modern intersect to

create a vibrant, thriving culture. Study technology in Tel Aviv, diplomacy in Haifa or ancient Near East studies in Jerusalem.

CANADA—If you prefer to stay in North America, look to a wealth of Canadian university offerings spanning the country in provinces from British Columbia to Nova Scotia. Practice your French in Montreal, take in Toronto’s metropolitan skyline or enjoy proximity to world-class skiing near Vancouver.**

WESTERN EUROPE and UK— Figure out why Scandinavians are so happy in Sweden and Denmark and learn to embrace hygge like the Danes. Put high school language classes to work in Germany, France, Italy or Spain. If you’re worried that your language skills won’t impress the locals—or you’re not sure about trial by immersion—think about England, Scotland or Wales.

SAND and SURF—Feeling beachy? Study medicine or veterinary medicine in the Caribbean at St. George’s University in Grenada. Other universities with nearby beaches include Costa Rica; Cape Town, South Africa; Greece; or the Dominican Republic.

BUSINESS—Get a global perspective by studying business in London, Copenhagen, Barcelona or Amsterdam. Focus on management in Berlin, finance in Frankfurt or international relations in Paris.

Higher education is about broadening horizons. Time abroad, whether a semester or a degree, can certainly contribute to a new perspective. And your my529 account can help cover some of your expenses once you get there. *The applicant is responsible for determining a school’s eligibility, as it is subject to change.

** Snorkeling, skiing and other activities mentioned are not qualified higher education expenses so withdrawals for these expenses won’t be covered by 529 funds; however, you may still participate in these activities while attending school abroad. Qualified higher education expenses include tuition, mandatory fees, room and board and other supplies. Transportation expenses are not qualified higher education expenses even when travelling abroad. For a complete list, see the Program Description.

A passport to global education

4my529.org | 800.418.2551

FAFSA: Short for Free Application for Federal Student Aid, a FAFSA is the form used to apply for federal financial aid for higher education. Each applicant must meet certain criteria in order to qualify for financial aid, which includes grants, work-study and loans. The government uses the FAFSA to determine the amount of aid for which each applicant qualifies.

**This fall, many high schools nationwide are holding FAFSA completion events. Check with your school to see if it will be participating.**

When tuition comes due, many colleges and universities offer a way to manage expenses with a tuition payment plan.

A tuition payment plan allows students and families to pay tuition in installments rather than in a lump sum at the beginning of the semester.

Most plans require installment payments over a period shorter than a calendar year, such as three or four payments over the course of a semester, according to FinAid, an online financial aid information website.

Schools have partnered with online resources including Tuition Management Services and FACTS Education Solutions to facilitate the payment of tuition electronically. While payment plans don’t charge interest, FinAid says, many will levy fees or finance charges, usually around $100.

Whether you’re still deciding on a school, or you’re enrolled and looking at your financial situation, check with individual colleges and universities about payment plans.

my529 can distribute funds only to the account owner, beneficiary or the eligible educational institution. my529 cannot send a withdrawal to companies that manage tuition payment plans. However, once the beneficiary or the account owner receives the funds from my529, they can use them in a payment plan.

(Source: http://www.finaid.org/otheraid/tuition.phtml)

Utah state tax benefits information

2019 Year-End DeadlinesTransaction Online Process Deadline

Must be received by my529 before 11:59 p.m., MT

Manual Process Deadline1

Must be received by my529 before 5 p.m., MT

Contributions Tuesday, December 31, 2019 Tuesday, December 31, 2019

New Accounts Tuesday, December 31, 2019 Tuesday, December 31, 2019

Withdrawals Tuesday, December 31, 2019 Tuesday, December 31, 2019

Investment Option Change Tuesday, December 31, 2019 Tuesday, December 31, 2019

Incoming Rollovers (money received) N/A Tuesday, December 31, 2019

Transfers (between accounts with the same account owner) Tuesday, December 31, 2019 Tuesday, December 31, 2019

Transfers (between accounts with different account owners) N/A Tuesday, December 31, 2019

Outgoing Rollovers N/A Friday, December 13, 2019

All transactions must be in good order—accurate, proper, legible, and complete.1 Paper forms and incoming faxes are considered manual submissions and must meet the deadlines for the manual process. A mailed contribution postmarked on or before the December 31, 2019, deadline but received in 2020 will be recorded as a 2020 tax-year contribution.

Utah taxpayers, depending on their tax-filing status, can claim a 5 percent tax credit/deduction per qualified beneficiary

Married couples are not required to have separate my529 accounts to claim the joint tax benefits. However, if both spouses own separate accounts for the same beneficiary, each will receive a Utah state tax form TC-675H for his or her account. Their aggregated maximum Utah state income tax credit is then limited to one joint tax credit per qualified beneficiary.

For UGMA/UTMA accounts, only the account owner, who is also the beneficiary, is eligible for state tax benefits, even if the account owner is a minor.

A nonresident or part-year Utah resident can claim only a prorated amount of the Utah state income tax credit.

The Utah state income tax credit/deduction may be taken per beneficiary. If an account owner with three different

for contributions to their my529 account up to a certain limit. See table below for specific information.

beneficiaries contributes $100 to each account for the tax year, she would qualify for a $5 tax credit for each account (5% of each $100 contribution), yielding a total tax credit of $15. If she contributes $2,000 to each beneficiary, she would qualify for a $100 tax credit for each account (5% of each $2,000 contribution), yielding a total tax credit of $300.

You can contribute beyond the maximum allowable amount, but you receive a tax benefit only up to the limit. If a couple, married filing jointly, contributes $5,000 to an account during the tax year, they would only be eligible for a tax benefit based on the maximum allowable contribution, which is $4,000. They would receive a $200 tax credit. For more information, read the Program Description.

2019 year-end deadlinesmy529 will record tax-year transactions based on the following deadlines:

2019 Utah State Income Tax Benefits

Tax Filer my529 Account Type

2019 Maximum Allowable

Contribution for a Utah State Income

Tax Credit/Deduction

2019 Maximum Utah State Income

Tax Credit per Beneficiary (5%)

Single Individual $2,000 $100

Joint Individual $4,000 $200

Trusts Institutional $2,000 $100

Grantor Trust, Married Filing Jointly Institutional $4,000 $200

Flow Through Entity Institutional $2,000 $100

Corporation Institutional $2,000 $2,000**deduction

AN INSTALLMENT PLAN FOR COLLEGE

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Investment Option Performance as of September 30, 2019

Age-BasedInvestment Options

LatestMonth

LatestThree

Months

Year toDate

OneYear

Average Annualized Return Inception

Date ThreeYear

FiveYear

TenYear

SinceInception

Aggressive GlobalAge 0-3 2.02% 0.12% 16.93% 1.50% 10.41% 8.02% 11.26% 9.86% 4/1/2003

Age 4-6 2.03% 0.12% 16.93% 1.52% 10.41% 8.02% 11.26% 9.86% 4/1/2003

Age 7-9 1.64% 0.45% 15.50% 2.58% 9.09% 7.15% 9.83% 9.07% 4/1/2003

Age 10-12 1.30% 0.71% 13.77% 3.62% 7.65% 6.17% 8.30% 8.04% 4/1/2003

Age 13-14 1.08% 0.80% 12.57% 4.16% 6.52% 5.25% 6.71% 6.82% 4/1/2003

Age 15 0.89% 0.88% 11.21% 4.28% 6.01% 4.95% 6.56% 6.73% 4/1/2003

Age 16 0.71% 0.94% 9.78% 4.60% 4.90% 3.97% 4.88% 5.28% 4/1/2003

Age 17 0.53% 1.01% 8.34% 4.77% 4.37% 3.65% 4.72% 5.19% 4/1/2003

Age 18 0.34% 1.08% 6.96% 4.91% 4.05% 3.46% 4.62% 5.13% 4/1/2003

Age 19+ 0.16% 1.16% 5.64% 5.32% 3.13% 2.33% 1.52% 1.99% 4/1/2003

Aggressive DomesticAge 0-3 1.72% 1.09% 19.93% 3.03% 12.78% 10.35% 12.66% 6.00% 9/20/1999

Age 4-6 1.72% 1.09% 19.94% 2.89% 12.71% 10.31% 12.31% 6.24% 9/20/1999

Age 7-9 1.38% 1.24% 17.98% 3.86% 11.02% 9.03% 10.91% 5.95% 9/20/1999

Age 10-12 1.08% 1.35% 15.78% 4.44% 9.16% 7.61% 9.42% 5.60% 9/20/1999

Age 13-14 0.89% 1.35% 14.27% 5.24% 7.88% 6.42% 7.69% 5.13% 9/20/1999

Age 15 0.73% 1.33% 12.59% 4.51% 6.77% 5.76% 7.35% 4.96% 9/20/1999

Age 16 0.58% 1.30% 10.84% 5.24% 5.67% 4.62% 5.19% 4.46% 9/20/1999

Age 17 0.43% 1.27% 9.11% 5.45% 5.17% 4.32% 5.04% 4.39% 9/20/1999

Age 18 0.28% 1.24% 7.47% 5.03% 4.34% 3.83% 4.79% 4.26% 9/20/1999

Age 19+ 0.13% 1.22% 5.88% 5.69% 3.56% 2.58% 1.65% 2.39% 9/20/1999

ModerateAge 0-3 1.54% 0.50% 14.77% 2.98% 8.92% 7.04% 9.03% 8.89% 4/1/2003

Age 4-6 1.54% 0.50% 14.75% 2.83% 8.87% 7.02% 8.78% 8.69% 4/1/2003

Age 7-9 1.23% 0.69% 12.85% 3.58% 7.47% 6.06% 7.69% 7.92% 4/1/2003

Age 10-12 0.92% 0.82% 10.92% 4.07% 6.04% 4.96% 6.48% 7.05% 4/1/2003

Age 13-14 0.72% 0.92% 9.65% 4.66% 4.89% 3.97% 5.14% 5.99% 4/1/2003

Age 15 0.56% 0.98% 8.14% 4.23% 4.32% 3.63% 4.97% 5.88% 4/1/2003

Age 16 0.37% 1.03% 6.66% 4.63% 3.43% 2.79% 3.87% 4.92% 4/1/2003

Age 17 0.18% 1.12% 5.30% 5.17% 3.41% 2.78% 3.87% 4.92% 4/1/2003

Age 18 -0.01% 1.22% 4.03% 4.93% 2.80% 2.41% 3.69% 4.80% 4/1/2003

Age 19+ 0.06% 1.08% 3.49% 4.47% 2.29% 1.77% 1.23% 1.81% 4/1/2003

ConservativeAge 0-3 1.13% 0.72% 12.04% 3.89% 7.36% 5.99% 7.64% 7.64% 4/1/2003

Age 4-6 1.14% 0.72% 12.03% 4.17% 7.45% 6.04% 7.35% 7.30% 4/1/2003

Age 7-9 0.84% 0.89% 10.05% 4.18% 5.81% 4.83% 6.01% 6.28% 4/1/2003

Age 10-12 0.57% 1.00% 7.98% 4.42% 4.27% 3.60% 4.52% 5.05% 4/1/2003

Age 13-14 0.36% 1.09% 6.73% 4.72% 3.19% 2.48% 2.99% 3.76% 4/1/2003

Age 15 0.19% 1.15% 5.32% 4.71% 2.57% 2.11% 2.80% 3.64% 4/1/2003

Age 16 0.01% 1.19% 3.90% 6.34% 2.72% 2.20% 2.38% 2.97% 4/1/2003

Age 17 0.07% 1.08% 3.46% 4.47% 2.22% 1.90% 2.24% 2.88% 4/1/2003

Age 18 0.12% 0.96% 3.04% 3.44% 2.25% 1.92% 2.24% 2.89% 4/1/2003

Age 19+ 0.19% 0.81% 2.52% 3.36% 2.18% 1.59% 1.10% 1.73% 4/1/2003

Option 3 (Closed to new investments)Age 0-3 N/A N/A N/A N/A N/A N/A N/A N/A 9/20/1999

Age 4-6 N/A N/A N/A N/A N/A N/A N/A N/A 9/20/1999

Age 7-9 1.58% 1.12% 19.25% 3.13% 12.17% 9.92% 12.37% 5.65% 9/20/1999

Age 10-12 1.38% 1.37% 17.37% 4.09% 10.74% 8.88% 11.07% 5.25% 9/20/1999

Age 13-14 1.04% 1.23% 14.61% 4.13% 9.15% 7.61% 9.47% 4.89% 9/20/1999

Age 15 1.03% 1.33% 14.72% 3.96% 9.09% 7.57% 9.45% 4.88% 9/20/1999

Age 16 0.78% 1.19% 12.18% 3.30% 7.19% 6.14% 7.78% 4.45% 9/20/1999

Age 17 0.79% 1.20% 12.19% 3.84% 7.38% 6.26% 7.83% 4.48% 9/20/1999

Age 18 0.78% 1.19% 12.32% 6.10% 8.12% 6.69% 8.06% 4.59% 9/20/1999

Age 19+ 0.59% 1.08% 9.39% 4.32% 5.98% 5.02% 6.19% 4.03% 9/20/1999

Important Legal NoticeInvesting is an important decision. Read the Program Description in its entirety for more information and consider all investment objectives, risks, charges, and expenses before investing. Call800.418.2551 for a copy of the Program Description or visit my529.org.

Investments in my529 are not insured or guaranteed by my529, the Utah State Board of Regents, the Utah Higher Education Assistance Authority or any other state or federal agency. Your investmentcould lose value. However, Federal Deposit Insurance Corporation (FDIC) insurance is provided for the FDIC-insured accounts. Please read the Program Description to learn about the FDIC-insuredaccounts.

The state in which you or your beneficiary pays taxes or lives may offer a 529 plan that provides state tax or other benefits, such as financial aid, scholarship funds, and protection from creditors, nototherwise available to you by investing in my529. You should consider such benefits, if any, before investing in my529.

my529 does not provide legal, financial, investment, or tax advice, and the information provided in this document does not contain legal, financial, investment, or tax advice and cannot be construed assuch or relied upon for those purposes. You should consult your own tax or legal advisor to determine the effect of federal and state tax laws on your particular situation.

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my529 - Investment Option Returns https://my529.org/performance-returns/

1 of 2 10/9/2019, 9:18 AM

Important Legal NoticeInvesting is an important decision. Read the Program Description in its entirety for more information and consider all investment objectives, risks, charges, and expenses before investing. Call 800.418.2551 for a copy of the Program Description or visit my529.org. Investments in my529 are not insured or guaranteed by my529, the Utah State Board of Regents, the Utah Higher Education Assistance Authority or any other state or federal agency. Your investment could lose value. However, Federal Deposit Insurance Corporation (FDIC) insurance is provided for the FDIC-insured accounts. Please read the Program Description to learn about the FDIC-insured accounts. The state in

which you or your beneficiary pays taxes or lives may offer a 529 plan that provides state tax or other benefits, such as financial aid, scholarship funds, and protection from creditors, not otherwise available to you by investing in my529. You should consider such benefits, if any, before investing in my529. my529 does not provide legal, financial, investment, or tax advice, and the information provided in this document does not contain legal, financial, investment, or tax advice and cannot be construed as such or relied upon for those purposes. You should consult your own tax or legal advisor to determine the effect of federal and state tax laws on your particular situation.

Important Information Regarding Investments in my529The performance returns shown in the table above are based on a $10,000 beginning account balance, assuming the money was invested on the first day and held until the last day of each period shown. These returns only reflect the performance returns of a hypothetical $10,000 investment for a particular investment option over the stated period of time reflected in the table, not for individual accounts. Individual account performance will vary based on the timing of the initial and subsequent investments, withdrawals (if any), and the account balances. The returns shown above (a) take into account the underlying investment performance for each period;

See next page

my529’s historical and monthly returns are available online at my529.org.

Investment Option Performance as of September 30, 2019

6

StaticInvestment Options

LatestMonth

LatestThree

Months

Year toDate

OneYear

Average Annualized Return Inception

Date ThreeYear

FiveYear

TenYear

SinceInception

Equity - 100% Domestic 1.86% 1.66% 20.42% 4.07% 13.19% 10.64% 12.98% 5.94% 9/20/1999

Equity - 30% International 2.11% 0.46% 17.72% 1.35% 10.76% 8.29% 10.54% 9.72% 10/3/2008

Equity - 10 % International 1.88% 0.50% 19.37% 1.78% 11.22% 9.16% 11.98% 10.29% 4/1/2003

70% Equity/30% Fixed Income 1.21% 0.92% 14.63% 3.79% 9.02% 7.34% N/A 8.69% 6/21/2013

20% Equity/80% Fixed Income 0.33% 0.98% 7.06% 5.01% 4.09% 3.49% N/A 3.81% 6/21/2013

Fixed Income -0.39% 1.83% 7.07% 8.81% 2.65% 2.87% 3.30% 3.83% 9/9/2002

FDIC-Insured 0.23% 0.72% 2.15% 2.87% 2.12% 1.55% 1.09% 1.07% 2/11/2009

CustomizedInvestment Options

LatestMonth

LatestThree

Months

Year toDate

OneYear

Average Annualized Return Inception

Date ThreeYear

FiveYear

TenYear

SinceInception

Vanguard FundsVG Institutional Total Stock Market Index Fund 1.71% 1.07% 19.91% 2.75% 12.63% 10.25% N/A 13.15% 2/1/2010

VG Institutional Index Fund 1.85% 1.66% 20.39% 4.06% 13.16% 10.62% N/A 13.24% 2/1/2010

VG Value Index Fund 3.34% 1.07% 16.07% 3.34% 11.24% 9.12% N/A 10.97% 6/21/2013

VG Growth Index Fund 0.21% 1.95% 24.71% 4.31% 15.17% 11.97% N/A 14.14% 6/21/2013

VG Mid-Cap Index Fund 2.04% 0.56% 22.44% 3.46% 10.47% 9.01% N/A 13.01% 2/1/2010

VG Small-Cap Index Fund 1.36% -1.49% 17.64% -3.94% 9.43% 8.43% N/A 12.56% 2/1/2010

VG Small-Cap Value Index Fund 3.94% -0.95% 14.44% -5.64% 7.14% 7.40% N/A 9.46% 6/21/2013

VG Small-Cap Growth Index Fund -1.55% -2.21% 21.23% -2.22% 12.07% 9.54% N/A 10.61% 6/21/2013

Vanguard FTSE Social Index 1.77% 1.81% 20.98% 5.06% N/A N/A N/A 11.81% 7/14/2017

VG Total Int'l Stock Index Fund 2.67% -1.65% 11.37% -1.67% 5.91% 3.00% N/A 2.99% 5/6/2011

VG Developed Markets Index Fund 3.05% -1.05% 12.51% -2.24% 6.10% 3.44% N/A 5.48% 2/1/2010

VG International Value Fund 3.75% -1.29% 10.54% -2.78% 5.98% 2.01% N/A 4.53% 2/1/2010

VG International Growth Fund 1.19% -3.07% 14.87% -2.12% 10.12% 6.98% N/A 8.02% 2/1/2010

VG Emerging Markets Stock Index Fund 1.35% -3.61% 8.25% 1.39% 5.20% 1.92% N/A 3.86% 6/21/2013

VG Short-Term Investment-Grade Fund -0.06% 0.96% 5.04% 5.70% 2.28% 2.30% N/A 2.20% 8/1/2011

VG Short-Term Bond Index Fund -0.11% 0.91% 4.36% 5.83% 1.78% 1.78% N/A 1.69% 6/21/2013

VG Short-Term Inflation-Protected Securities Index Fund -0.13% 0.35% 3.59% 3.29% 1.44% 1.04% N/A 0.87% 2/3/2014

VG Total Bond Market Index Fund -0.60% 2.38% 8.55% 10.26% 2.72% 3.16% N/A 3.46% 2/1/2010

Vanguard High-Yield Corporate 0.42% 1.81% 12.89% 7.93% N/A N/A N/A 4.76% 7/14/2017

VG Total International Bond Index Fund -0.49% 2.95% 9.11% 11.07% 3.90% 4.37% N/A 4.62% 2/3/2014

Dimensional FundsDFA Global Allocation 60/40 Portfolio 1.50% 0.47% 11.79% 1.86% 6.44% N/A N/A 5.46% 2/2/2015

DFA Global Allocation 25/75 Portfolio 0.53% 0.65% 7.01% 3.57% 3.75% N/A N/A 3.22% 2/2/2015

DFA U.S. Large Cap Value Portfolio 3.92% 0.67% 14.87% -2.08% 9.30% 7.13% N/A 9.98% 6/21/2013

DFA U.S. Small Cap Value Portfolio 5.94% -2.18% 8.04% -13.91% 4.04% 4.23% N/A 6.20% 6/21/2013

DFA Real Estate Securities Portfolio 1.59% 7.65% 28.07% 21.42% 8.16% 10.82% N/A 10.77% 6/21/2013

DFA US Sustainability Core 1 Portfolio 2.33% 1.01% 20.67% 1.16% N/A N/A N/A 10.15% 7/14/2017

DFA International Value Portfolio 5.06% -2.57% 7.13% -8.58% 5.26% 1.21% N/A 3.82% 6/21/2013

DFA Global Equity Portfolio 2.73% -0.01% 15.91% -1.60% 9.03% 6.75% N/A 8.77% 6/21/2013

DFA One-Year Fixed Income Portfolio 0.13% 0.60% 1.85% 2.59% 1.41% 0.98% N/A 0.81% 6/21/2013

DFA Five-Year Global Fixed Income Portfolio -0.19% 0.70% 3.74% 4.98% 1.73% N/A N/A 1.80% 4/16/2015

FDIC-Insured Accounts 0.21% 0.67% 2.12% 2.81% 2.06% 1.51% N/A 1.08% 2/1/2010

PIMCO Interest Income Fund 0.23% 0.70% 2.20% 2.98% N/A N/A N/A 2.97% 8/17/2018

The information above shows the returns for the following underlying investments and are net of the my529 Administrative Asset Fee. Returns on an account invested in the Customized Age-Based orCustomized Static investment options will depend upon the underlying investment allocation chosen by the account owner/agent. In addition, individual account performance will vary based on the timing of theinvestments in the investment option, any cash flow in or out of the my529 account during the investment period, and on the balances in the my529 accounts.

Important Information Regarding Investments in my529The performance returns shown in the table above are based on a $10,000 beginning account balance, assuming the money was invested on the first day and held until the last day of each period shown.These returns only reflect the performance returns of a hypothetical $10,000 investment for a particular investment option over the stated period of time reflected in the table, not for individual accounts.Individual account performance will vary based on the timing of the initial and subsequent investments, withdrawals (if any), and the account balances.The returns shown above (a) take into account the underlying investment performance for each period; (b) show applicable interest and dividends; and (c) are net of the Administrative Asset Fee chargedby my529 during such periods. Beginning on January 1, 2010, and ending on September 30, 2014, the Administrative Maintenance Fee of up to $15 annually was not reflected on the returns. TheAdministrative Mail Delivery Fee was included in the performance calculations until September 2014. The fee no longer applies to my529 accounts.For age-based and static investment options, performance returns shown above assume that (a) prior to January 1, 2007, the investment options did not rebalance; (b) beginning January 1, 2007, andending December 31, 2012, investment options rebalanced on January 1 of each year to match the target allocations for each investment option in effect at the time; and (c) beginning January 1, 2013,investment returns are based on the aggregate market value of the investment options, which reflect the actual investment rebalancing that takes place on the birthday of each beneficiary. For thesereasons and the reasons stated above, the actual returns in an individual account will not match those shown in the tables.The age brackets in the age-based investment options were changed on July 14, 2017. On that date, the number of age brackets was increased and the investment allocation for each age bracket waschanged. The investment option performance shown in the table reflects the historical performance returns for the corresponding age bracket that existed before July 14, 2017. For more information, seethe Program Description.Past performance does not guarantee future results.

Notes1. Year-to-date calculations are based on a calendar year; January 1 to the current month-end date.2. Average Annualized Returns for investment options with an inception date in the past 12 months are cumulative and non-annualized.3. The inception date is the first date that (a) the investment option was offered and/or received a contribution, or (b) the underlying fund was offered as part of either the Customized Age-Based or

Customized Static investment options.4. The age brackets in the age-based investment options shown in the table were changed on July 14, 2017. Investment option performance before this date reflects the returns for the corresponding

age bracket that existed prior to July 14, 2017.5. Option 3 was closed to new investments as of August 24, 2011, and performance will display as “NA” when there are no accounts remaining in an age band.6. Closed to new investments beginning on July 25, 2011.

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(b) show applicable interest and dividends; and (c) are net of the Administrative Asset Fee charged by my529 during such periods. Beginning on January 1, 2010, and ending on September 30, 2014, the Administrative Maintenance Fee of up to $15 annually was not reflected on the returns. The Administrative Mail Delivery Fee was included in the performance calculations until September 2014. The fee no longer applies to my529 accounts. For age-based and static investment options, performance returns shown above assume that (a) prior to January 1, 2007, the investment options did not rebalance; (b) beginning January 1, 2007, and ending December 31, 2012, investment options rebalanced on January 1 of each year to match the target allocations for each investment option in effect at the time; and (c) beginning January 1, 2013, investment returns are based on the aggregate market value of the investment options, which reflect the actual investment rebalancing that takes place on the birthday of each beneficiary. For these reasons and the reasons stated above, the actual returns in an individual account will not match those shown in the tables. The age brackets in the age-based investment options were changed on July 14, 2017. On that date, the number of age brackets was increased and the investment allocation for each age bracket was changed. The investment option performance shown in the table reflects the historical performance returns for the corresponding

age bracket that existed before July 14, 2017. For more information about the investment allocations for these age brackets and their corresponding age-based investment options, see the Program Description. Past performance does not guarantee future results.

Notes1 Year-to-date calculations are based on a calendar year; January 1 to the current

month-end date.2 Average Annualized Returns for investment options with an inception date in the

past 12 months are cumulative and non-annualized.3 The inception date is the first date that (a) the investment option was offered

and/or received a contribution, or (b) the underlying fund was offered as part of either the Customized Age-Based or Customized Static investment options.

4 The age brackets in the age-based investment options shown in the table were changed on July 14, 2017. Investment option performance before this date reflects the returns for the corresponding age bracket that existed prior to July 14, 2017.

5 Option 3 was closed to new investments as of August 24, 2011, and performance will display as “NA” when there are no accounts remaining in an age band.

6 Closed to new investments beginning on July 25, 2011.7 Public Treasurers’ Investment Fund is a pool of money managed by the Utah state

treasurer in short-term investments. Closed to new investments as an underlying investment in the Customized Age-Based and Customized Static investment options beginning on July 25, 2011.

Contact my529Phone 800.418.2551

Fax 800.214.2956

Email info@my529.org

Website my529.org

Call Center Hours 7 a.m. to 6 p.m. MT Monday - Friday

Office Hours 8 a.m. to 5 p.m. MT Monday - Friday

Mailing Address PO Box 145100 Salt Lake City, UT 84114-5100

Investment Option Performance as of September 30, 2019