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Illustration assumes a hypothetical initial $5,000 investment and monthly investments of $100 for a period of 18 years. It also assumes an annual investment return of 5%, compounded monthly, and a federal income tax rate of 24%. Investment losses could affect the relative tax-deferred investing advantage. It assumes no distributions are made during these periods. However, lower maximum tax rates on capital gains and dividends would make the investment return for the taxable investment more favorable. Changes in tax rates and tax treatment of investment earnings may impact the comparative results. Actual returns will vary.
Withdrawals of earnings from a tax-deferred account may be subject to ordinary income tax, and early withdrawals can be subject to an additional 10% penalty. Each investor should consider his or her current and anticipated investment horizon and income tax bracket when making an investment decision, as the illustration may not reflect these factors. These figures do not reflect any management fees or expenses that would be paid by a 529 plan participant. Such costs would lower performance.
This chart is shown for illustrative purposes only. Past performance is no guarantee of future results.
1 The availability of such tax or other benefits may be conditioned on meeting certain requirements, such as residency or purpose for or timing of distributions. This information is based on current tax laws, regulations, rules and interpretations, which are subject to change at any time. Investors should contact a tax professional for more information about 529 Plan investing specific to their situations. Withdrawals used for expenses other than qualified education expenses may be subject to federal and state taxes, plus a 10% penalty.
2 Periodic investment programs like AIS cannot guarantee a profit or protect against investment loss in a declining market.
3 Earnings grow tax-free and will have no federal income taxes on withdrawals used for qualified higher education expenses. For designated beneficiaries who are Arizona residents, funds are exempt from state taxation when used to pay qualified higher education expenses of the designated beneficiary. The state of Arizona offers a tax deduction each year for investing in the Arizona 529 Plan of up to $4,000 for married tax filers who file a joint return and up to $2,000 for individual tax filers.
Risk factors: Past performance is not a guarantee of future results. An investment in the Ivy InvestEd 529 Plan is subject to risk. Your investment return and principal value will fluctuate, and your investment, when redeemed, may be worth more or less than your original cost.
The Ivy InvestEd 529 Plan is offered by Ivy Distributors, Inc. as part of AZ529, Arizona’s Education Savings Plan. Ivy Distributors, Inc. is one of multiple financial institutions eligible to offer investments under AZ529.
Before investing, investors should carefully consider the investment objectives, risks, charges and expenses of the Ivy InvestEd 529 Plan. This and other information is found in the InvestEd Portfolios prospectus, and the Ivy Funds prospectus, the Ivy InvestEd 529 Plan Program Overview, and the InvestEd 529 Plan Account Application. All of these items are available from these links or from a financial professional. Please read the prospectus carefully before investing.
Before investing, non-residents or taxpayers of states other than Arizona should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors than those offered under the Ivy InvestEdSM 529 Plan. Please consult your tax professional regarding your personal tax situation.
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, Ivy Distributors, Inc., or any affiliated or related party, and neither the principal deposited nor any investment return is guaranteed by any of the above referenced parties. The Arizona State Treasurer’s Office is the Administrator of AZ529, Arizona’s Education Savings Plan.
The information provided may include references to concepts that have legal, accounting and tax implications. It is not to be construed as legal, accounting or tax advice, and is provided as general information to assist in the understanding the issues discussed. Ivy Distributors, Inc., nor their associates offer tax, legal, or accounting advice. You may want to consult with your accountant or tax professional to discuss your personal situation. Investment decisions should always be made based on an investor's specific financial needs, objectives, goals, time horizon and risk tolerance.
