你投资的每一美元都是你的学生不必偿还的
2021届的学生平均有39351美元的学生贷款债务1. 每月还款额可能是437美元，为期10年. 这些钱是一个毕业生可能无法投入到一个新家的, 开始创业或组建家庭.
为上大学存钱永远不会嫌早
如果你现在开始定期向国家农业pp王者电子官网公司的储蓄计划缴款, 即使是适度的量也会随着时间的推移而显著增加.
Hypothetical Illustration: This chart illustrates an investment of $150/month (on the first day of the month) into a college 储蓄 account that earns 7% per year, 每月复利一次，直到孩子年满18岁. 这个假设只是为了说明的目的. It does not reflect an actual investment in any particular college 储蓄 plan or in the State Farm 529 Plan.
教育打开了机会之门
你不必自己支付高等教育的高额费用
鼓励朋友和家人为教育储蓄捐款通常是有帮助的. 祖父母、阿姨、叔叔和朋友们可能都会欢迎帮助你的学生的机会. 毕竟，教育是一份持续一生的礼物. 玩具坏了，衣服穿不长了, 在教育储蓄计划中存钱仍然会受到欢迎.
如今，父母经常把自己的钱与贷款、礼物、助学金和奖学金结合起来
1 thecollegeinvestor.com, "Average Student Loan Debt By Year (Graduating Class)" Robert Farrington. 2023年6月23日.
2 高等教育趋势系列. 2023年教育付费. 高等教育对个人和社会的好处. 詹妮弗·马. Matea Pender和Meredith Welch:大学理事会.
目前拥有Coverdell教育储蓄账户(ESA)的客户应该这样做 联系他们的州立农场代理 有问题吗?.
风险披露
州农场529储蓄计划(“计划”)由内布拉斯加州赞助, 由内布拉斯加州财政部长管理, 作为受托人, 内布拉斯加州投资委员会提供投资监督. 联合银行 & 信托公司将担任项目经理和北方信托证券公司. 将作为经销商. The Plan offers a series of Investment Options within the 内布拉斯加州教育储蓄计划信托 (the "Trust") which offers other Investment Options not affiliated with the Plan. The Plan is intended to operate as a qualified tuition program to be used only to 保存 for qualified education expenses, 根据《pg电子官方网页版》第529条.S. 国内税收法典.
投资者应考虑本计划的投资目标, 风险, 投资前的费用和开支. 项目披露声明在 cskz58.com® 其中包含的信息较多，投资前应仔细阅读.
Investors should consider before investing whether their or their beneficiary's home state offers any state tax or other state benefits such as financial aid, 奖学金基金, 和 protection from creditors that are only available for investments in such state's qualified tuition program 和 should consult their tax advisor, 律师和/或其他法律顾问, 投资或税务情况.
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)
都不是州立农场® 其代理人也不提供税务或法律咨询.
Participation in the Plan does not guarantee that contributions 和 the investment return on contributions, 如果有任何, 是否足够支付未来的学费和其他高等教育费用, or that a beneficiary will be admitted to or permitted to continue to attend an eligible educational institution.
本材料仅供一般和教育用途，不打算提供法律, 税务或投资建议, 或为了避免根据美国法律可能施加的惩罚.S. 联邦税法. 本材料并非出售或征求购买任何证券的要约. Any offer to sell units within the Plan may only be made by the Program Disclosure Statement 和 Participation Agreement relating to the Plan.
内布拉斯加州教育储蓄计划信托 发行人
内布拉斯加州财政部长 受托人
内布拉斯加州投资委员会 投资的监管
联合银行信托 项目经理
州立农场副总裁管理公司. 销售经销商
北方信托证券 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储蓄计划.
资产未用于符合条件的费用, the earnings portion of the withdrawal is subject to federal income tax 和 an additional 10% federal tax 和 may be subject to state 和 local taxes. 合格的高等教育费用包括学费, 费用, 教科书, supplies 和 equipment (including computers) required for enrollment or attendance 和 certain room 和 board expenses for the academic term during which the student is enrolled at least half time at an eligible educational institution. Expenses for special-needs students that are necessary in connection with their enrollment or attendance may also be eligible.
如果账户所有人在五年期限结束前去世, 按比例分配的部分将包括在他或她的应税遗产中. 如果你的捐款少于80美元,000年最大的, 额外的捐款可以不产生联邦赠与税, 按比例最高可达16美元,000元/年. Federal gift taxation may result if a contribution exceeds the available annual gift tax exclusion amount remaining for a beneficiary in the year of the contribution.
No additional contributions can be made for any beneficiary when the fair market value of all accounts maintained for that beneficiary within all plans offered by the State of Nebraska reaches $500,000. 资产可以超过50万美元.
“家庭成员”包括一个儿子, 女儿, 继子, step女儿 or a descendant of any such person; a brother, 妹妹, 同父异母的弟弟, or step妹妹; the father or mother, or an ancestor of either; a stepfather or stepmother; a son or 女儿 of a brother or 妹妹; a brother or 妹妹 of the mother; a son-in-law, 儿媳, 岳父, 婆婆, 姐夫, or 妹妹-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”,” a legally adopted child or a foster child of an individual is treated as the child of that individual by blood. “兄弟”和“姐妹”包括同父异母的兄弟和同父异母的姐妹.
An eligible educational institution includes accredited post-secondary educational institutions or vocational schools in the United States 和 some abroad offering credit toward a bachelor’s degree, 副学士学位, 研究生学位或专业学位, 或其他认可的高等教育证书. 看到 www.fafsa.ed.gov /.
非美国居民披露:
Each of the investment products 和 services referred to on the State Farm 共同基金 web site is intended to be made available to customers or prospective customers residing in the United States. 客户的U.S. 永久居住地址必须是街道地址. This web site shall not be considered a solicitation or offering for any investment product or service to any person in any jurisdiction w在这里 such solicitation or offer would be unlawful.
州立农场VP管理公司业务连续性计划披露.
州立农场副总裁管理公司. has developed a 业务 Continuity Plan on how we will respond to events that significantly disrupt our business. 因为灾难和破坏的时间和影响是不可预测的, 我们必须灵活应对发生的实际事件. 考虑到这一点，我们向您提供有关我们业务连续性计划的信息.
联络我们- 在一次重大的业务中断之后, 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, 你应该联系你注册的州立农场代理，或者访问我们的网站.com®.
我们的业务连续性计划- We plan to quickly recover 和 resume business operations as soon as possible after a significant business disruption 和 respond by safeguarding our 员工 和 property, 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. 简而言之, 我们的业务连续性计划旨在使我们的公司能够尽快恢复运营, 鉴于重大业务中断的范围和严重性.
Our business continuity plan addresses: data back-up 和 recovery; all mission critical systems; financial 和 operational assessments; alternative communications with customers, 员工, 和 regulators; alternate physical location of 员工; critical supplier, 承包商, bank 和 counter-party impact; regulatory reporting; 和 procedures to help ensure that our customers have prompt access to their funds 和 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. 如有更改，我们会即时在本局网页(cskz58.com) or you may obtain an updated summary by calling us at the number below 和 requesting that a written copy be mailed to you.
〇各种中断 重大业务中断的范围各不相同, 比如只有我们公司, 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, 或者整个地区. 在这些领域中，破坏的严重程度也可以从轻微到严重不等. 只有我们公司或我们公司所在的大楼受到干扰, we may transfer our operations to a local site when needed 和 expect to recover 和 resume business within 1 business day. 在影响我们商业区的混乱中, 城市, 或地区, 我们将把我们的业务转移到受影响地区以外的地点, 并期望在3个工作日内恢复营业. 在任何情况下, 我们打算继续经营下去, 必要时转移操作, 并通过我们的网站通知你 cskz58.com，或我们的客户号码如何pg电子官方网页版. In the unlikely event that the significant business disruption is so severe that it prevents us from remaining in business, our plan provides procedures to help ensure that our customers have prompt access to their funds 和 securities.
在上述所有情况下, in light of the various types of disruptions that could take place 和 that every emergency poses unique problems, 在任何特定的中断期间，恢复运营可能需要更长的时间. 如果您对我们的业务连续性计划有任何疑问，您可以拨打1-800-321-7520与我们联系.
开立新帐户程序的重要信息
协助政府打击资助恐怖主义及洗钱活动, 联邦法律要求所有金融机构获得, 验证, 并记录每个开户人的身份信息.
这对你意味着什么:当你开了一个账户, 我们会问你的名字, address, 出生日期和其他信息，使我们能够识别您的身份. 我们也可能要求看你的驾驶执照或其他身份证明文件.
AP2023/08/0807