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    Goldman Sachs 529 Plan

    Goldman Sachs 529 Plan

    INVEST IN EDUCATION

    An advisor-sold, tax-advantaged education savings plan

    Goldman Sachs 529 Plan

    INVEST IN EDUCATION

    An advisor-sold, tax-advantaged education savings plan

    Why a 529 Plan?

    A 529 plan is an education savings plan that helps individuals and families invest and save for future educational goals. One of the greatest benefits of a 529 plan is tax-advantaged education planning. Account owners have the opportunity to grow their investments tax free, and investments are not federally taxed when funds are withdrawn for qualified education expenses. This means that account owners potentially save more and can maximize the allocation of their funds to qualified education expenses.

     
    Learn more about 529 Plans

    For Financial Professionals:

    Sign in to your account here: www.529quickview.com

     

    For Individual Investors:

    Already have a Goldman Sachs 529 Plan Account?

    Sign in to your account here: www.goldmansachs529.com
    View Pricing and Performance

    What Expenses Does a 529 Cover?

    With higher education expenses continuing to rise, it is important for families to start saving early for future education costs.2

     

    Use Savings for a Variety of Education Initiatives

    • K-12 Education
    • Undergraduate and graduate school
    • Continuing education courses
    • Loan repayments
    • Training programs and trade school

     

     

    Cover Educational Expenses Beyond Tuition

    • Fees
    • Room and board
    • Books, supplies, technology and required materials

    Why the Goldman Sachs 529 Plan?

    Goldman Sachs is the investment manager and distributor for the state of Arizona's advisor-sold 529 education savings plan. Partnering with Ascensus, the Plan administrator and program manager, allows Goldman Sachs to offer a competitively priced and robust savings experience that delivers results to help achieve educational goals.

    Broad Eligibility

    • Competitive fees and investment minimums 
    • Open to all 50 U.S. States 
    • No federal taxes on investments and withdrawals 3
    • State tax benefits offered by Arizona available only to Arizona taxpayers 
    • Plan savings eligible on educational costs for K-12, college and other qualified educational training initiatives

     

    Efficient Management

    • 529 QuickView®: Online 529 account management for Financial Professionals
    • Enhanced online account functionality designed for account owners to easily save and manage account at their convenience
    • Direct electronic tuition payments
    • NSCC connectivity for initial purchases and ongoing trading

     

    Account Flexibility

    • Ability to transfer funds to alternative beneficiaries
    • Allocate funds across any combination of qualified education expenses
    • Modify investment choices

     

     

    Ugift®

    Family and friends can directly contribute to your Goldman Sachs 529 Plan through direct gifting using Ugift® Platform.

    Goldman Sachs Asset Management Launches New Goldman Sachs 529 Plan
    Read Press Release

    Goldman Sachs 529 Plan Fact Sheet
    Download PDF

    Goldman Sachs 529 Plan Brochure
    Download PDF

    Goldman Sachs 529 Plan Fees and Expenses
    Download PDF

    Goldman Sachs 529 Plan Description
    Download PDF

    Competitive fees and investment minimums make investing in education goals feasible for all.  

    $250

    Minimum Initial
    Contribution 4

    $25

    Minimum Subsequent Contributions

    $531k

    Maximum Contribution
    Limit 5

    Investment Options

    The Goldman Sachs 529 Plan offers a diversified range of investment options designed to meet a wide variety of investment goals and education savings needs.6

     

     

    Year of Enrollment Portfolios

    Eleven Portfolios designed to correspond with the expected year of college enrollment. Each Year of Enrollment Portfolio is managed to a pre-determined glide path. The asset allocation of the Year of Enrollment Portfolios adjusts automatically over time, becoming progressively more conservative as the beneficiary’s college enrollment approaches.

     

    View Year of Enrollment Portfolios

     

    Target Risk Portfolios 

    The five Target Risk Portfolios provide the opportunity to invest based on risk tolerance. Financial advisors can select a Portfolio that reflects account owner’s level of investment risk, from conservative to aggressive. The risk profile of each Target Risk Portfolio will remain consistent and fixed over time.

     

    View Target Risk Portfolios

     

    Individual Portfolios 

    Invest in one or more of the fifteen Individual Portfolio options that give exposure to a single type of asset class. Individual Portfolios invest in stock funds, bond funds, or a stable value fund. Consider risk appetite, investment time horizon and diversification needs when constructing a strategy using a mix of Individual Portfolios.

     

    View Individual Portfolios

    Goldman Sachs 529 Year of Enrollment Portfolios

    Year of Enrollment Portfolios take into account the beneficiary's age and planned year of college enrollment. The account owner will remain in the selected portfolio over the investment time horizon. 

     
    Explore Portfolios

    Goldman Sachs 529 Year of Enrollment Portfolios Glide Path

    Represents changes in asset class allocations over time. 7

    Goldman Sachs 529 Target Risk Portfolios

    Target Risk Portfolios reflect a level of investment risk ranging from the most  conservative, 20% stocks/80% bonds, to the most aggressive, 90% stocks/10% bonds. The risk profile is set and does not evolve as the beneficiary ages.8

     

     
    Explore Portfolios

    Goldman Sachs 529 Individual Portfolios

    Individual Portfolios allow financial professionals to construct diversified portfolios tailored to account owner needs.

     
    Explore Portfolios
    Individual Portfolios Asset Class

    GS 529 Capital Preservation Portfolio

    Stable Value

    GS 529 Core Fixed Income Portfolio

    Core Bond

    GS 529 Inflation Protected Securities Portfolio

    Treasury Inflation Protected Securities

    GS 529 High Yield Portfolio

    High Yield Bond

    GS 529 S&P 500 Index Portfolio

    US Large Cap Core Equity

    GS 529 ActiveBeta® US Large Cap Equity Portfolio

    US Large Cap Core Equity

    GS 529 Large Cap Value Portfolio

    US Large Cap Value Equity

    GS 529 Large Cap Growth Portfolio

    US Large Cap Growth Equity

    GS 529 ActiveBeta® Small Cap Core Portfolio

    US Small Cap Core Equity

    GS 529 GS/GQG International Equity Portfolio

    International Large Cap Growth Equity

    GS 529 ActiveBeta International Equity Portfolio

    International Large Cap Growth Equity

    GS 529 Real Estate Securities Portfolio

    Real Estate

    GS 529 Technology Opportunities Portfolio

    Technology

    GS 529 Future Planet Equity Portfolio

    Global Equity

    GS 529 Global Equity Portfolio

    Global Equity

    Goldman Sachs’ Investment Expertise

     

    Goldman Sachs 529 Plan showcases the full power of Goldman Sachs Asset Management, a global asset management firm, with over $2 trillion in client assets.9 We are committed to delivering strong, consistent investment results to all types of investors. When you invest with Goldman Sachs Asset Management, you get a partner who offers access to a deep network of experts, tailored insights and investment platforms. The Plan offers investment solutions that draw on the expertise of investment teams that have been designing and managing custom portfolios for more than two decades.

     

     

     

    For more information on your Goldman Sachs 529 Plan and how to enroll...

     

    Financial Advisors:

    Contact your Goldman Sachs Representative

    Plan Participants:

    By email:

    clientservice@goldmansachs529.com

     

    By phone:

    888-462-6209

    Resources and Account Forms

    Goldman Sachs Asset Management Launches New Goldman Sachs 529 Plan
    Read Press Release

    Goldman Sachs 529 Plan Fact Sheet
    Download PDF

    Goldman Sachs 529 Plan Brochure
    Download PDF

    Goldman Sachs 529 Plan Fees and Expenses
    Download PDF

    Goldman Sachs 529 Plan Description
    Download PDF

    Goldman Sachs 529 Account Application Form
    View PDF

    Account Application for an Entity account
    View PDF

    Account Features Form
    View PDF

    Profile Change Form
    View PDF

    Transfer Form
    View PDF

    Change of Investment Form
    View PDF

    Payroll Direct Deposit Form
    View PDF

    Incoming Rollover Form (Public Site)
    View PDF

    Agent Authorization/Power of Attorney
    View PDF

    Withdrawal Form
    View PDF

    Transfer Due to Death of Account Owner Form
    View PDF

    Additional Contribution Form
    View PDF

    Broker Dealer Change 
    View PDF

    1 This illustration demonstrates the value of the potential tax-exempt earnings in a 529 education savings plan when plan distributions are used for qualified education expenses such as tuition, fees, and room and board at higher education institutions. These examples are for illustrative purposes only and are not actual results. If any assumptions used do not prove to be true, results may vary substantially. If the portfolios had long-term capital gains or qualified dividend income, lower maximum tax rates for these would make the investment return for the taxable investment more favorable, thereby reducing the difference between the investments shown. Losses recognized on taxable investments may provide current income tax benefits, potentially increasing the favorability of taxable accounts. You should consider your current and anticipated investment horizon and income tax bracket when making an investment decision, as this illustration may not reflect those factors. Withdrawal of earnings not used for qualified higher education expenses will be subject to federal and possibly state income tax and may be subject to an additional 10% penalty. The illustration does not reflect the deduction of any fees or charges and is not indicative of the actual performance of any product, including any portfolio or combination of portfolios available the Goldman Sachs 529 Plan or any other 529 plan.

    2 Federal tax law provides that up to $10,000 per year may be withdrawn from a 529 savings plan federal income-tax free, if used for tuition expenses at private, public or religious primary and secondary (K-12) schools. State tax consequences will vary depending on state law and may include recapture of any tax deductions received from the original state, imposition of income tax and penalties. Investors should consult with a tax or legal advisor in this regard.  Goldman Sachs does not provide accounting, tax or legal advice. Please see additional disclosures at the end of this presentation.

    3 Tax benefits are conditioned on meeting certain requirements. Federal income tax, a 10% federal tax penalty, and state income tax and penalties may apply to non-qualified withdrawals of earnings.  Goldman Sachs does not provide accounting, tax or legal advice. Please see additional disclosures at the end of this presentation.

    4 To establish an account with a recurring contribution, the initial contribution minimum is $5, and subsequently a minimum contribution of $25 per month

    5 Accounts may grow above such limit through earnings and dividends realized in the account.

    6 Diversification does not protect an investor from market risk and does not ensure a profit. No assurance can be given that the client’s investment objective may be achieved.

    7 The allocations represent strategic weights and are effective as of June 13, 2022. Current allocations may differ. The strategic asset allocations may change from time to time and differ from actual asset allocations due to: fluctuations in the market value of the Underlying Fund’s investments and from GSAM adjusting portfolio exposures to reflect short-to-medium term market views.

    8 The allocations represent strategic weights and are effective as of June 13, 2022. The strategic asset allocations may change from time to time and differ from actual asset allocations due to: fluctuations in the market value of the Underlying Fund’s investments and from GSAM adjusting portfolio exposures to reflect short-to-medium term market views.

    9 Assets Under Supervision (AUS) includes assets under management and other client assets for which Goldman Sachs does not have full discretion.

     

    Disclosures

    Each Year of Enrollment Portfolio and Target Risk Portfolio is subject to the risks of the underlying ETFs and mutual funds in which it invests. Funds are subject to various risks, as described fully in each Fund’s prospectus. There can be no assurance that the Funds will achieve their investment objectives. The Funds may be subject to style risk, which is the risk that the particular investing style of the Fund (i.e., growth or value) may be out of favor in the marketplace for various periods of time. Equity securities are more volatile than fixed income securities and subject to greater risks. Small and mid-sized company stocks involve greater risks than those customarily associated with larger companies. Investments in fixed income securities are subject to the risks associated with debt securities generally including credit liquidity and interest rate risk. Investments in high yield fixed income securities are considered speculative, involve greater risk of default, and tend to be more volatile than investment grade fixed income securities. Investments in foreign securities entail special risks such as currency, political, economic, and market risks. These risks are heightened in emerging markets. An investment in real estate securities is subject to greater price volatility and the special risks associated with direct ownership of real estate. Investments in commodities may be affected by changes in overall market movements, commodity index volatility, changes in interest rates or factors affecting a particular industry or commodity. Investments in derivatives such as options, futures, or swaps may involve a high degree of financial risk, including the risk that a small movement in the price of the underlying security or benchmark may result in a disproportionately large movement in the price of the derivative. Asset allocation portfolios invest primarily in other Goldman Sachs Funds and are subject to the risk factors of those Funds.  Investments in Liquid Alternative Funds expose investors to risks that have the potential to result in losses. These strategies involve risks that may not be present in more traditional (e.g., equity or fixed income) funds. There is no guarantee that objectives will be met. Goldman Sachs Asset Management LP. offers the Goldman Sachs 529 Plan as part of AZ529, Arizona’s Education Savings Plan (“AZ529”). AZ529 is administered by the Arizona State Treasurer’s Office. Ascensus College Savings Recordkeeping Services, LLC, the Program Manager, has overall responsibility for the day-to-day operations of the Goldman Sachs 529 Plan, including recordkeeping and administrative services. Goldman Sachs Asset Management LP. serves as the Investment Manager. Goldman Sachs & Co. LLC markets and distributes the Goldman Sachs 529 Plan. 

    Assets Under Supervision (AUS) includes assets under management and other client assets for which Goldman Sachs does not have full discretion. 

    Goldman Sachs does not provide legal, tax or accounting advice, unless explicitly agreed between you and Goldman Sachs (generally through certain services offered only to clients of Private Wealth Management). Any statement contained in this presentation concerning U.S. tax matters is not intended or written to be used and cannot be used for the purpose of avoiding penalties imposed on the relevant taxpayer. Notwithstanding anything in this document to the contrary, and except as required to enable compliance with applicable securities law, you may disclose to any person the US federal and state income tax treatment and tax structure of the transaction and all materials of any kind (including tax opinions and other tax analyses) that are provided to you relating to such tax treatment and tax structure, without Goldman Sachs imposing any limitation of any kind. Investors should be aware that a determination of the tax consequences to them should take into account their specific circumstances and that the tax law is subject to change in the future or retroactively and investors are strongly urged to consult with their own tax advisor regarding any potential strategy, investment or transaction. 

    Ugift is a registered service mark of Ascensus Broker Dealer Services, Inc. 

    Goldman Sachs Asset Management, L.P., which serves as the investment manager of the Goldman Sachs 529 Plan, is registered with the U.S Securities and Exchange Commission and Goldman Sachs & Co. LLC, which serves as the distributor of Goldman Sachs 529 Plan, is registered with the U.S. Securities and Exchange Commission and the Municipal Securities Rulemaking Board. 

    Goldman Sachs 529 portfolios invest in: exchange-traded funds, mutual funds and separate accounts. Units of the portfolios are municipal securities, and the value of the units will vary with market conditions. Accounts are not insured by the State of Arizona, AZ529, Arizona’s Education Savings Plan, the Arizona State Treasurer’s Office or any other governmental entity, Goldman Sachs & Co. LLC, or any affiliated or related party, and neither the principal deposited nor any investment return is guaranteed by any of the above referenced parties. 

    Before investing in any 529 plan, you should consider whether you or the beneficiary's home state offers a 529 plan that provides its taxpayers with favorable state tax and other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available through investment in the home state's 529 plan. You also should consult your financial, tax, or other adviser to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. You also may wish to contact directly your home state's 529 plan(s), or any other 529 plan, to learn more about those plans' features, benefits and limitations. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision. 

    For more information about Goldman Sachs 529 Plan, contact your financial professional, call 888-462-6209, or download the Plan Description, which includes investment objectives, risks, charges, expenses, and other important information; read and consider it carefully before investing. 

    An investment in the Portfolios is subject to risks including: investment risks of the Portfolios which are described in the Plan Description; the risk (a) of losing money over short or even long periods; (b) of changes to Goldman Sachs 529 Plan, including changes in fees; (c) of federal or state tax law changes; and (d) that contributions to Goldman Sachs 529 Plan may adversely affect the eligibility of the Beneficiary or the Account Owner for financial aid or other benefits. For a detailed description of the risks associated with Goldman Sachs 529 Plan, and the risks associated with the Portfolios and the Underlying Funds, please refer to the Plan Description. 

    This material is provided for informational purposes only and should not be construed as investment advice or an offer or solicitation to buy or sell securities. 

    Confidentiality: No part of this material may, without Goldman Sachs Asset Management’s prior written consent, be (i) copied, photocopied or duplicated in any form, by any means, or (ii) distributed to any person that is not an employee, officer, director, or authorized agent of the recipient.

    NOT FDIC INSURED
    MAY LOSE VALUE
    NO BANK GUARANTEE

    © 2022 Goldman Sachs. All rights reserved.

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