State Farm®529储蓄计划-基于年龄的19+投资组合
适用于19岁及以上的受益人, 本投资组合将其资产的9%投资于国内和国际股票基金的多元化投资，旨在提供当期收入和一定的资本增长, 1%的全球房地产基金, 67%的国内及全球固定收益基金, and 23% cash equivalents.
Strategies: 该投资组合根据固定公式投资基金，通常会配置7%的国内股票基金, 1%的全球房地产基金, 2%国际股票基金, 4.5%全球信贷债券基金，62%.5%为国内固定收益基金，23%为现金等价物. The Portfolio manages cash flows to maintain the stated asset allocation. The stock holdings in the Underlying Investments consist primarily of large-cap U.S. stocks and foreign stocks, and to a lesser extent, mid- and small-cap U.S. stocks.
| Feature | Amount/Fee |
|---|---|
| 最低初始供款
(如果没有使用自动投资计划) |
$250 |
| 最低初始供款
(if using an Automatic Investment Plan or Payroll Direct Deposit) |
$50 |
| 每个投资组合的最低额外贡献 | $50 |
| 首次销售最高收费 | 3.50% |
For more information, see the Plan Fees and Expenses section in the 项目披露声明.
Related links
Risk Disclosures
The State Farm 529 Savings Plan (the “Plan”) is sponsored by the State of Nebraska, 由内布拉斯加州财政部长管理, as Trustee, and the 内布拉斯加州投资委员会 provides investment oversight. Union Bank & Trust Company will serve as program manager and Northern Trust Securities, Inc. will serve as distributor. 本计划在内布拉斯加州教育储蓄计划信托(“信托”)内提供一系列投资选择，该信托提供与本计划无关的其他投资选择. 该计划旨在作为合格的学费计划运作，仅用于节省合格的教育费用, 根据《pg电子官方网页版》第529条.S. Internal Revenue Code.
投资者应考虑本计划的投资目标, risks, 投资前的费用和开支. 项目披露声明在 uncsj.com® which contains more information, should be read carefully before investing.
投资者在投资前应考虑他们或其受益人所在的州是否提供任何州税或其他州福利，如经济援助, scholarship funds, 债权人的保护只适用于投资于这样的州的合格学费计划，应该咨询他们的税务顾问, 律师和/或其他法律顾问, 投资或税务情况.
The stocks of small companies are more volatile than the stocks of larger, more established companies.
外国投资比美国投资风险更大.S. investments, including political and economic risks and the risk of currency fluctuations.
Bonds are subject to interest rate risk and may decline in value due to an increase in interest rates.
基于年龄的投资组合会随着时间自动调整, 当你的孩子到了上大学的年龄，你会变得更加保守.
投资这种投资方式，你可能会赔钱. 尽管您的投资期权投资的货币市场基金(标的基金)寻求将其价值保持在1美元.00 per share, the underlying fund cannot guarantee it will do so. 此投资选择的投资不受联邦存款pp王者电子官网公司或任何其他政府机构的pp王者电子官网或担保. The underlying fund’s sponsor has no legal obligation to provide financial support to the underlying fund, and you should not expect that the sponsor will provide financial support of the underlying fund at any time.
没有联邦存款pp王者电子官网公司pp王者电子官网* |没有银行担保|可能失去价值
(*银行储蓄投资选项除外)
State Farm®及其代理均不提供税务或法律建议.
Asset Allocation and diversification do not assure a profit or protect against loss.
Participation in the Plan does not guarantee that contributions and the investment return on contributions, if any, will be adequate to cover future tuition and other higher education expenses, 或者受益人将被合格的教育机构录取或允许继续就读.
This material is provided for general and educational purposes only and is not intended to provide legal, tax or investment advice, 或为了避免根据美国法律可能施加的惩罚.S. federal tax laws. This material is not an offer to sell or a solicitation of an offer to buy any securities. 任何在计划内出售单位的要约只能通过与计划相关的计划披露声明和参与协议作出.
内布拉斯加州教育储蓄计划信托 Issuer
Nebraska State Treasurer Trustee
内布拉斯加州投资委员会 Investment Oversight
Union Bank and Trust Program Manager
州立农场副总裁管理公司. Selling Dealer
Northern Trust Securities 经销商，FINRA成员，SIPC
账户持有人并不持有相关投资的股份, or, 就银行储蓄投资期权而言, 直接持有储蓄账户, but rather own an interest in the Individual Investment Options offered by the State Farm 529 Savings Plan.
资产未用于符合条件的费用, 提款的收入部分需缴纳联邦所得税和额外10%的联邦税，可能还需缴纳州税和地方税. 合格的高等教育费用包括学费, fees, textbooks, 入学或出勤所需的用品和设备(包括计算机)，以及学生在符合条件的教育机构注册至少一半的学期内的某些食宿费. 特殊需要学生的入学或出勤费用也可能符合条件.
If the account owner dies before the end of the five-year period, a prorated portion of the contribution will be included in his or her taxable estate. 如果你的捐款少于80美元,000 maximum, additional contribution can be made without incurring federal gift taxes, 按比例最高可达16美元,000 per year. 联邦赠与税可能导致如果捐款超过可用的年度赠与税豁免金额为受益人在捐赠的一年.
当内布拉斯加州提供的所有计划中为该受益人保留的所有帐户的公平市场价值达到500美元时，不得为任何受益人提供额外供款,000. 资产可以超过50万美元.
“家庭成员”包括一个儿子, daughter, stepson, stepdaughter or a descendant of any such person; a brother, sister, stepbrother, or stepsister; the father or mother, or an ancestor of either; a stepfather or stepmother; a son or daughter of a brother or sister; a brother or sister of the mother; a son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law, or sister-in-law; the spouse of the beneficiary or the spouse of any individual described above; or a first cousin of the beneficiary. 为了确定谁是“家庭成员”,“个人合法收养的子女或寄养的子女，按血缘关系视为该个人的子女. The terms “brother” and “sister” include half-brothers and half-sisters.
合格的教育机构包括美国认可的高等教育机构或职业学校，以及一些国外提供学士学位学分的学校, an associate’s degree, 研究生学位或专业学位, 或其他认可的高等教育证书. See www.fafsa.ed.gov/.
非美国居民披露:
在State Farm Mutual Funds网站上提及的每一项投资产品和服务都旨在提供给居住在美国的客户或潜在客户. The customer's U.S. 永久居住地址必须是街道地址. 本网站不应被视为向任何司法管辖区的任何人招揽或提供任何投资产品或服务，如该等招揽或提供是非法的.
Business Continuity Plan Disclosure for 州立农场副总裁管理公司.
州立农场副总裁管理公司. 是否制定了业务连续性计划，说明我们将如何应对严重影响业务的事件. Since the timing and impact of disasters and disruptions is unpredictable, we will have to be flexible in responding to actual events as they occur. With that in mind, we are providing you with this information on our business continuity plan.
Contacting Us -在重大业务中断后, 如果您不能像往常一样pg电子官方网页版，请拨打1-800-321-7520, you should contact your registered State Farm agent or go to our web site at uncsj.com®.
我们的业务连续性计划 -我们计划在重大业务中断后尽快恢复并恢复业务运营，并通过保护员工和财产作出回应, 进行财务和业务评估, 保护公司的账簿和记录, 并允许我们的客户进行交易. In short, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption.
Our business continuity plan addresses: data back-up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and procedures to help ensure that our customers have prompt access to their funds and securities if we are unable to continue our business.
我们的业务连续性计划可能会被修订或修改. If changes are made, an updated summary will be promptly posted on our website (statefarm.Com)，或者您可以通过以下电话号码致电我们，并要求将书面副本邮寄给您，以获取最新摘要.
Varying Disruptions -重大业务中断的范围可能有所不同, such as only our firm, 我们公司就在一栋楼里, 我们公司所在的商业区, 我们所在的城市, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. 只有我们公司或我们公司所在的大楼受到干扰, 我们可以在需要时将我们的业务转移到本地站点，并期望在1个工作日内恢复并恢复业务. 在影响我们商业区的混乱中, city, or region, we will transfer our operations to a site outside of the affected area, and expect to recover and resume business within 3 business days. In either situation, 我们打算继续经营下去, 必要时转移操作, 并通过我们的网站statefarm通知你.Com，或我们的客户号码如何pg电子官方网页版. 在不太可能发生的情况下，重大的业务中断是如此严重，它阻止我们继续经营下去, our plan provides procedures to help ensure that our customers have prompt access to their funds and securities.
在上述所有情况下, 鉴于可能发生的各种类型的中断以及每种紧急情况都会造成独特的问题, it may take longer to resume operations during any particular disruption. If you have questions about our business continuity planning, you can contact us at 1-800-321-7520.
Important Information about Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, 联邦法律要求所有金融机构获得, verify, and record information that identifies each person who opens an Account.
这对你意味着什么:当你开了一个账户, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
AP2024/03/0400