Kentucky Education Savings Plan Trust

Frequently Asked Questions - Investment Options and Performance

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What are my investment options?
KESPT offers a choice of six investment options. You can invest new contributions in any one or combination of these six options: the Managed Allocation Option, the Active Equity Option, the Equity Index Option, the Balanced Option, the Fixed Income Option and the Guaranteed Option. These choices vary in their investment strategy and degree of risk, allowing you to select an option or options that may best fit your needs and investment philosophy. For a description of these investment options, please refer to the Investment Options section.

The investment approaches described are not recommendations and do not take into consideration personal goals or preferences. After evaluating information you consider important in making an investment choice, the ultimate decision is up to you. It is a good idea to revisit your investment strategy periodically as your goals, personal financial situation, and market conditions change.


Can I select the investments for my account?
You may choose among the six KESPT options, but not the underlying mutual funds or other investment vehicles to which funds in the investment option may be allocated. Under federal law, an account owner may not have direct or indirect control over the investments in a 529 Plan. See the list of underlying funds.


Can I see a list of the underlying funds?
Yes, go to the Investment Options page and click on the Underlying TIAA-CREF Institutional Mutual funds link for a list and description of the underlying funds.


Where do I get information on KESPT performance?
KESPT performance for the six investment options is available online. Go to KESPT Performance.


Can I change my investment selection?
Yes. Each time you make a contribution you may select any one of the six investment options. Once invested in a particular investment option, contributions and any earnings may be transferred to another investment option once per calendar year or upon a transfer of funds to a KESPT account for a different beneficiary (see the KESPT Disclosure Booklet and Participation Agreements (PDF, 519KB) for more information). Use the Annual Rebalancing of Funds Among Investment Options Form (PDF, 41KB).


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Have a question you don't see listed? Need clarification?

Call us toll-free at
1-877-KY TRUST
(1-877-598-7878)

We're available 8:00 am - 8:00 pm Eastern Time, Monday - Friday.


Don't forget you can set up an Automatic Contribution Plan (PDF, 157KB) or use Payroll Deduction (PDF, 45KB) for your contributions (if offered by your employer).

PDF files require the free Adobe Acrobat Reader. Get it here.

Access our glossary for the meanings of terms used throughout this site.

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The tax information contained on the Kentucky Education Savings Plan Trust (the Plan) Web site is not intended to be used, and cannot be used by any taxpayer, for the purpose of avoiding tax penalties that may be imposed on the taxpayer. It was written to support the promotion of the products and services addressed in the Web site. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor.

The Plan is administered by the Kentucky Higher Education Assistance Authority. TIAA-CREF Tuition Financing, Inc. (TFI) serves as Program Manager.

The investment approaches described are not recommendations and do not take into consideration personal goals or preferences. After evaluating information you consider important in making an investment choice, the ultimate decision is up to you. It is a good idea to revisit your investment strategy periodically as your goals, personal financial situation, and market conditions change.

Consider the investment objectives, risks, charges and expenses before investing in the Plan. Please call toll-free 1-877-KY TRUST (1-877-598-7878) for a Disclosure Booklet containing this information. Read it carefully.

Before investing in a 529 plan, you should consider whether the state you or your designated beneficiary reside in or have taxable income in has a 529 plan that offers favorable state income tax or other benefits that are only available if you invest in that state's 529 plan.

The Commonwealth of Kentucky, its agencies, TIAA-CREF Tuition Financing, Inc., Teachers Insurance and Annuity Association of America and its affiliates do not insure any account or guarantee its principal or investment return except for TIAA-CREF Life Insurance Company’s guarantee to the Kentucky Education Savings Plan under the funding agreement for the Guaranteed Option. Account value will fluctuate based upon a number of factors, including general market conditions.

The Plan Web site is for informational purposes only, and does not constitute an offer to sell or solicitation of an offer to buy any security that may be referenced on the site. Such offer or solicitation can be made only through the Disclosure Booklet.

The Plan Web site contains links to other Web sites. Neither the Plan Trust nor TFI and its affiliates are responsible for the content of those other Web sites. The accuracy of information on those sites cannot be confirmed.

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© 2010 TIAA-CREF Tuition Financing Inc.