Environmentally friendly IMPORTANT: DO NOT ENLARGE, REDUCE OR MOVE the FIM and POSTNET barcodes. They are only valid as printed! Special care must be taken to ensure FIM and POSTNET barcode are actual size AND placed properly on the mail piece to meet both USPS regulations and automation compatibility standards. BUSINESS REPLY MAIL FIRST-CLASS MAIL PERMIT NO. 2016 BROCKTON MA • Online access to your account • Online withdrawals from your account We’re here to help. The Minnesota College Savings Plan offers a variety of online tools and resources to help answer your questions. • S ign up to attend an interactive online webinar offered weekly NO POSTAGE NECESSARY IF MAILED IN THE UNITED STATES • View our recorded webcast presentation • U se the College Planner tool to calculate your college savings goals • L earn more about our investment options and performance • Print or view Plan materials Call 800-974-0305 and speak with a Plan consultant to: • Answer your specific questions on the Plan Enroll online at: www.529MN.com Or call toll-free at: 800-974-0305 • S chedule an appointment with a consultant in our TIAA-CREF Bloomington, MN office • Smartphone applications • Interactive webinars • Online webcasts • E-newsletters Consider the investment objectives, risks, charges and expenses before investing in the Minnesota College Savings Plan. Please visit www.529MN.com for a Disclosure Booklet containing this and other information. Read it carefully. Investments in the plan are neither insured nor guaranteed and there is the risk of investment loss. 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 offering favorable state income tax or other benefits only available if you invest in that state’s 529 plan. The tax information contained herein is not intended to be used, and cannot be used, by any taxpayer for the purpose of avoiding tax penalties. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor. Non-qualified withdrawals may be subject to federal and state taxes and the additional federal 10% tax. TIAA-CREF Tuition Financing, Inc., Plan Manager. • R equest a free presentation at your employer, school or organization to there. Download smartphone applications ownload the TIAA-CREF College Savings D Planner iPhone or Android smartphone application to help you plan your college savings goals. C4117 63675Take One_MN.indd 1 How to go from here • E-statement delivery Visit us online at www.529MN.com to: How to enroll Minnesota’s 529 College Savings Plan The Minnesota College Savings Plan uses environmentally friendly paper when possible and offers a variety of online resources which include: Sample Artwork POSTAGE WILL BE PAID BY ADDRESSEE Produced by DAZzle Designer 2002, Version 9.0.05 (c) 1993-2009, Endicia, www.Endicia.com MINNESOTA COLLEGE SAVINGS PLAN PO BOX 7309 BROCKTON MA 02303-9956 Artwork for User Defined (3.625" x 5.125") Layout: sample BRM card with IMB.lyt “Green” features can help A12677 MN1204.TKO www.529MN.com 4/12/12 1:29 PM Minnesota’s 529 College Savings Plan. What is the Minnesota College Savings Plan? The Minnesota College Savings Plan is a flexible taxadvantaged 529 college savings plan designed to help families save for a loved one’s future college education. The Plan is administered by the Minnesota Office of Higher Education and managed by TIAA-CREF Tuition Financing, Inc. Only $25 to start Tax advantages can help Tax-free withdrawals for qualified college expenses Any earnings in your account can grow tax deferred. When it’s time to go to college, the account funds you withdraw for qualified higher education expenses will be state and federal tax free. The Benefits of Tax-Free Growth Potential $80k $66,676 60k $55,092 40k Low minimum contribution Parents, grandparents, other relatives and friends at any income level may open or contribute to an account for a beneficiary with as little as $25. The account owner and beneficiary do not need to be Minnesota residents in order to open or contribute to an account. An account beneficiary can be any age. A variety of ways to contribute Contributions are made after tax using any of the following flexible methods: A Choice of investments Choose from a variety of low-fee options The Minnesota College Savings Plan offers six investment options that vary in investment strategy and degree of risk. You can invest new contributions in any one or a combination of these investment options: • Managed Allocation Option • 100% Equity Option 20k 0 current beneficiary. However, if you decide to use your account proceeds for something other than a qualified higher education expense, any earnings may be subject to federal and state income tax and a federally imposed 10% additional tax. Taxable Account This hypothetical example illustrates the growth of an annual investment of $2,000 made at the beginning of each year for 18 years. It assumes there are no withdrawals of contributions and earnings. It also assumes a 30% combined federal, state and local income tax rate and an annual investment return of 6%. It is presented for illustrative purposes only to show the effect of compounding and tax deferral and does not represent the actual performance or predict the future results of the Minnesota College Savings Plan or any investment option in the Plan and does not reflect any reduction for expenses. Nonqualified withdrawals may be subject to federal and state taxes, and an additional 10% federal tax. • 100% Fixed-Income Option Residential Address CityState Zip Low fees and expenses Primary Phone Number Choice of schools, nationally and abroad • Payroll deduction, if your employer allows You can use your investment at any eligible higher education institution in the United States and some abroad, including colleges, community colleges, universities, graduate schools and trade and career schools for any type of degree or certificate program. The Plan’s only fee is the total annual asset-based fee for the investment options which range from 0.51% to 0.61% (around ½% per year) depending on the investment option. The Guaranteed Option is offered without the total annual asset-based fee. There are no additional fees. $100k 80k Monthly Contribution ■ $50 ■ $100 ■ $200 60k TIAA-CREF, an experienced leader Your account may be used toward tuition, certain room and board expenses, fees, books, supplies and equipment required for the enrollment or attendance of the beneficiary of your account at an eligible educational institution. TIAA-CREF Tuition Financing, Inc. serves as Plan Manager of the Minnesota College Savings Plan and eight other state 529 college savings plans. TIAA-CREF Tuition Financing, Inc. is a division of TIAA-CREF, a full-service financial services group of companies that has dedicated itself to helping those in the academic, medical, cultural, and research fields for over 90 years. In keeping with our strong nonprofit heritage, we offer low fees and a long-term approach to investing. Full control and transferable 20k As the account owner, you maintain control of the account, regardless of the age of the beneficiary. If the beneficiary decides not to attend college, you can change the beneficiary to another eligible family member of the 0 6 Years 12 Years 18 Years Years of Accumulation This hypothetical example illustrates the future values of different regular monthly investments for different time periods and assumes an annual investment return of 6% with an initial investment of $2,500 and no withdrawals during the relevant time period. It is presented for illustrative purposes only, does not reflect actual performance or predict future results and does not reflect any deduction for expenses or taxes. 63675Take One_MN.indd 2 Email Address Where did you receive this brochure? A6D Experienced plan management Use for a variety of expenses 40k Name To learn more about these investment options, please request a Disclosure Booklet or visit www.529MN.com. The account is flexible to use Consistent Investing Gives Your Money Time to Grow qPlease have a consultant contact me regarding the Minnesota College Savings Plan. • Guaranteed Option • Automatic contribution plan from a bank account There is an overall contribution limit of $235,000 applicable to all Minnesota College Savings Plan accounts opened for the same beneficiary. qPlease send me an Enrollment Kit and Disclosure Booklet on the Minnesota College Savings Plan. • Money Market Option • Check or electronic funds transfer • Rollovers from other college savings investments To receive an enrollment kit by mail or to have a consultant contact you, please fill out the information below and drop the card in the mail. The Minnesota College Savings Plan does not share your information with third parties. Review our privacy policy at www.mnsaves.org/misc/privacy.shtml. • Balanced Option 529 Account More toward college and less to administration • Gifts from family members Minnesota’s 529 College Savings Plan Ready to enroll? It’s easy! Enroll online at www.529MN.com OR Complete and mail the detachable reply card to obtain an enrollment kit. 4/12/12 1:29 PM