Potential annual contributions are also illustrative and should not be the sole basis of planning or investment decisions. *College Board Tuition, Fees, Room and Board, Trends in College Pricing Report 2021Įstimated "on-track" amounts or savings targets are hypothetical illustrations and do not reflect actual investment results. As time horizons get closer to the start of college, the return assumptions are reduced to illustrate a generic target date rolldown strategy appropriate for a college savings investor.Ĭollege Savings Effective Rate of Return Table: Horizon Lastly, the underlying effective rates of return are assumed to be between 2.5% and 5.32%. The assumed asset allocation for the analysis uses three asset classes and a generic target date asset allocation appropriate for college savers. Conversely, the amount saved may fail to reach the level illustrated in 25% of the market scenarios. This means the amount saved meets or exceeds the illustrated savings amount in 75% of the hypothetical market scenarios (with differing market conditions). The resulting savings level varies by market conditions but the calculator illustrates the potential to meet the spending goal at the 75% confidence level. General inflation is assumed to be 2.5% annually. The spending need uses today's cost per year estimate and grows it annually by 2.5%+ inflation until the expense is incurred over 4 years. The calculator assumes indicated savings start immediately and continue until the hypothetical student is finished with school savings and withdrawals are modeled to occur at the end of the year. Intermediate Term Government Bonds, and 30-day U.S. Stocks (domestic and foreign), bonds, and short-term are represented by S&P 500®, U.S. The user-indicated current savings and contributions, along with future savings amounts input by the user are then projected based on Fidelity's assumed rates of return and volatility based on historical annual data from 1926 through the most recent year-end data available from Morningstar. The calculator combines the user's inputs with assumptions about the length of college payments as well as the growth of college costs. All other trademarks are the property of their respective owners.The analysis models a hypothetical investor's savings behavior in different market scenarios. The Vanguard logo is a registered trademark of The Vanguard Group, Inc. Upromise and the Upromise logo are registered service marks of Upromise, Inc. Participants assume all investment risks, including the potential for loss of principal, as well as responsibility for any federal and state tax consequences. Investment returns are not guaranteed, and you could lose money by investing in the Plan. The Plan's portfolios, although they invest in mutual funds, are not mutual funds. The Vanguard Group, Inc., serves as Investment Manager for the Plan.
Ascensus College Savings Recordkeeping Services, LLC, serves as the Program Manager and Recordkeeping and Servicing Agent, and together with its affiliates, has overall responsibility for the day-to-day operations of the Plan, including administrative services and marketing. The Plan has been implemented and is administered by the Missouri Education Program Board (the "Board"). Portfolio units are municipal securities. When you invest in MOST-Missouri's 529 Education Plan (the "Plan"), you are purchasing portfolio units issued by the Program Trust. The Missouri Education Program (the "Program Trust") is a trust created by the State of Missouri. Other state benefits may include financial aid, scholarship funds, and protection from creditors. If you are not a Missouri taxpayer, consider before investing whether your or the designated beneficiary's home state offers any state tax or other benefits that are only available for investments in such state's qualified tuition program.
Investment objectives, risks, charges, expenses, and other important information are included in this document read and consider it carefully before investing.
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For more information about MOST - Missouri's 529 Education Plan, download a Program Description, Privacy Policy, and Participation Agreement or request one by calling 888-414-MOST.
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