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The NC 529 Plan
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Saving for College in NC 529 Plan

1
Tax benefits
Account earnings are free from federal and NC income taxes when used for qualified higher education expenses.
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2
Low cost
Our fees are very low and allow you to keep your money in North Carolina.
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3
Multiple investments
Select from a variety of investment options that cover a range of strategies, from conservative to aggressive.
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4
Easy set-up
Create an NC 529 Account in minutes. You can set up automatic contributions or contribute when it fits your budget.
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5
Benefit of saving regularly
Putting away whatever amount you can on a regular basis adds up. Use simple calculator for a quick look at how money grows over time and test other scenarios with savings planner.
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See our contact information and frequently asked questions for answers.
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More Flexibility with Current Allocations
As of January 1, 2015 and forward, you may adjust your current investment allocations twice per calendar year instead of only once if you choose. Learn more

You can also change your current allocations if and when you change the Beneficiary on your Account, IF: (1) the new Beneficiary is a Member of the Family of the replaced Beneficiary; (2) the change will not result in an Excess Contribution; and (3) the change does not involve an UGMA/UTMA Account.

And, at any time, you can provide us new instructions for redirecting your future contributions to other NC 529 investments of your choice.

How This Helps You

Now that the twice-a-year option has replaced the once-a-year rule, you have greater flexibility. Rather than only one opportunity to change your investment exposure, you have a second option in reserve should a sudden downturn occur after you've made your first adjustment.

How This Occurred

The expanded opportunity to adjust current allocations in a 529 account was included with the ABLE (Achieving a Better Life Experience) Act which passed with the bipartisan support of Congress and was signed by the President December 19, 2014. While primarily focused on the creation of tax-free savings accounts for people with disabilities, the ABLE Act wrapped in the change to 529 programs at the same time since both are savings accounts with tax-free benefits authorized by the federal government.