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2037 Enrollment Option

Objective

The 2037 Enrollment Option seeks to achieve capital appreciation, income, and preservation of capital as appropriate for proximity to its applicable target date. The target date, included in the name of the option, is the year which corresponds to the potential enrollment year of the Beneficiary. The objective of this option becomes more focused on capital preservation and income as it approaches its target date.

Strategy

The option allocates its assets to underlying funds consisting of mutual funds, ETFs and a funding agreement designed to preserve capital and provide income. The funding agreement is managed by the Principal Insurance Company. The option seeks to provide a diversified allocation to broad asset classes, including domestic and international stocks and bonds, real estate, and capital preservation. The underlying funds represent different investment objectives and strategies. The allocations to the asset classes and the underlying funds are expected to change, reducing exposure to stocks and increasing exposure to fixed income and cash equivalents, until the Beneficiaries’ enrollment year. The underlying funds in this option will rebalance on an ongoing basis if they drift from their target allocations. The option will de-risk the asset class allocations on a semi-annual basis.

Risks

Your investment in this option could lose money, or the option's performance could trail that of other investments. Each option has a different level of risk. For a full description of the investment risks associated with this option, see the Program Description.

Total Annual Asset-Based Fee

The Total Annual Asset-Based Fee is 0.46% as of February 16, 2024.

Historical Prices

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KY Saves 529 is administered by the Kentucky Higher Education Assistance Authority (KHEAA)

For more information about the Kentucky Educational Savings Plan Trust (KY Saves 529), call 855-840-4855 or visit www.kysaves.com to obtain a Program Description, which includes investment objectives, risks, charges, expenses, and other important information. Read and consider it carefully before investing.

Please Note: Before you invest, consider whether your or the beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in that state’s qualified tuition program. You also may wish to contact directly your home state’s 529 college savings plan(s), or any other 529 plan, to learn more about those plans’ features, benefits, and limitations. You should also consult your financial, tax, or other advisor to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision.

KY Saves 529 is administered by the Kentucky Higher Education Assistance Authority. Ascensus College Savings Recordkeeping Services, LLC, is the Program Manager. The Program Manager and its affiliates have overall responsibility for the program’s day-to-day operations, including investment advisory services, recordkeeping, and administrative services.

Investment returns will vary depending upon the performance of the Investment Options you choose. Depending on market conditions, you could lose all or a portion of your money by investing in KY Saves 529. Account Owners assume all investment risks as well as responsibility for any federal and state tax consequences.

Ugift is a registered service mark.

INVESTMENTS ARE NOT FDIC INSURED, MAY LOSE VALUE AND ARE NOT BANK GUARANTEED.

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