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Search: Submit
Log in
 * Why MNSAVES
    * 
   
    * Benefits of Our 529
    * A Plan for Everyone
    * About Us
 * Learn and Plan
    * 
   
    * How Our 529 Works
    * Compare Ways to Save
    * The Cost of College
 * Investment Options
    * 
   
    * Compare Investment Options
    * Enrollment Year Investment Options
    * Multi–Fund Investment Options
    * Single–Fund Investment Options
    * Principal Plus Interest Option
    * Daily Price & Performance
    * Fees & Expenses
 * Resources
    * 
   
    * Popular Resources
    * Planning Tools
    * FAQs
    * Gifting
    * Events & Webinars
    * Glossary
    * Financial Professionals
 * Account Center
    * 
   
    * How–tos
    * Forms
 * Open an Account
 * MN At Work
 * News

Enter to win $529 for education! MNSAVES Smart Savings Sweepstakes is open.
Limitations apply.*
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BUILD THEIR FUTURE NOW WITH THE MINNESOTA 529 COLLEGE SAVINGS PLAN

A flexible and tax-advantaged way to save for college.

How our 529 works



SPRING INTO TRIPLE TAX BENEFITS

including up to $3,000 in state tax deductions for joint filers.

Learn more





WHY THE MINNESOTA 529 COLLEGE SAVINGS PLAN (MNSAVES)?

We offer a wide range of benefits that aim to meet your college savings
needs—whatever they are and whenever they happen.

Explore Benefits


UNIQUE TAX ADVANTAGES

100% tax-deferred growth, and Minnesota taxpayers can reduce their state taxable
income by up to $3,000 per year if married filing jointly.

Limitations apply.1


FLEXIBLE

Families can pay for a range of qualified educational expenses, withdraw money
as needed and even transfer funds to eligible beneficiaries.2


RANGE OF INVESTMENT OPTIONS

Investment options to fit your life situation, risk tolerance and savings goals.


LOW FEES AND EXPENSES

MNSAVES is among the lowest cost 529 plans in the country, which can mean more
money for college.3

MNSAVES


A HISTORY OF HELPING FAMILIES MEET THEIR COLLEGE SAVINGS GOALS


ESTABLISHED HISTORY

Helping Minnesota families save for education for more than 22 years.


TRUSTED BY THOUSANDS

Serving more than 126,000 students.4


DELIVERING ON PROMISES

Minnesota families have redeemed more than $1.48 billion.4


IT TAKES ONLY 15 MINUTES AND $25 TO START SAVING FOR COLLEGE



1


STEP 1

LEARN AND EXPLORE

Learn how the Minnesota 529 College Savings Plan works, its benefits and how the
funds can be used.

How our 529 plan works

2


STEP 2

PICK AN OPTION

Choose investment options that fit your needs and goals.

Investment options

3


STEP 3

START SAVING

Open your Minnesota 529 College Savings Plan account today and begin
contributing to your child’s future.

Open an Account


MORE RESOURCES TO EXPLORE


 * SCHEDULE AN APPOINTMENT
   
   Schedule a free consultation with a MNSAVES college savings specialist.
   
   Book a consultation


 * JOIN A WEBINAR
   
   Supplement your knowledge by attending a live webinar with a MNSAVES program
   specialist.
   
   RSVP for a session


 * MORNINGSTAR MEDALIST
   
   The Minnesota 529 College Savings Plan receives a Morningstar medal!5
   
   Review our rating


WANT MORE TIME BEFORE GETTING STARTED? SIGN UP TO RECEIVE INFORMATION ON A
MNSAVES PLAN AND COLLEGE SAVINGS TIPS.

Enter your email address
Submit




WHY MNSAVES

 * Benefits of Our 529
 * A Plan for Everyone
 * About Us


LEARN & PLAN

 * How Our 529 Works
 * Compare Ways to Save
 * The Cost of College


INVESTMENT OPTIONS

 * Compare Investment Options
 * Enrollment Year Investment Options
 * Multi–Fund Investment Options
 * Single–Fund Investment Options
 * Principal Plus Interest Option
 * Daily Price & Performance
 * Fees & Expenses


RESOURCES

 * Popular Resources
 * Planning Tools
 * FAQs
 * Gifting
 * Events & Webinars
 * Glossary
 * Financial Professionals


ACCOUNT CENTER

 * How–tos
 * Forms
 * Open an Account


NEED HELP?

Call 1-877-338-4646

 * Contact Us


FOLLOW US

 * 
 * 
 * 
 * 


ACCESS YOUR ACCOUNT ON–THE–GO WITH THE READYSAVE 529™ APP



 * Managed by TIAA–CREF Tuition Financing, Inc. (TFI)
 * Privacy Policy
 * Accessibility Statement
 * Sitemap
 * Security Center
 * Plan Description


DISCLOSURES


FOOTNOTES

 1. *Go to www.mnsaves.org/smartsavings for prize details and official rules. No
    purchase necessary. Void where prohibited or restricted by law. Deadline for
    entry is March 31, 2024. Sponsored by TIAA-CREF Tuition Financing, Inc.↩
 2. 1Minnesota taxpayers can reduce their state taxable income up to $3,000 if
    married filing jointly ($1,500 filing single) for contributions made into a
    Minnesota College Savings Plan or may be eligible for maximum credit amount
    up to $500, subject to phase-out based on certain federal adjusted gross
    income thresholds.↩
 3. 2If the funds aren’t used for qualified higher education expenses, a 10%
    penalty tax on earnings (as well as federal and state income taxes) may
    apply.↩
 4. 3Source: ISS Market Intelligence 529 College Savings Fee Analysis Q4 2023.
    The Minnesota College Savings Plan average annual asset-based fees are 0.16%
    for all portfolios compared to 0.51% for all 529 plans.↩
 5. 4Based on statistics provided as of 12/31/2023.↩
 6. 5In an annual review (11/2/2023) of the largest 529 college savings plans
    (54 plans representing 90% of 529 assets as of August 2023), Morningstar
    identified 34 plans that stand out above the rest, awarding those plans
    Gold, Silver, and Bronze Morningstar Analyst Ratings for 2023. These plans
    offer a well-researched asset-allocation approach, a robust process for
    selecting and monitoring underlying investments, a well-resourced and
    experienced investment team, stable and engaged oversight from the state and
    low fees. Investors in what Morningstar analysts consider the best 529 plans
    should be well-positioned for the future. The four key pillars used by
    Morningstar to evaluate 529 college savings plans include – Process, People,
    Parent, and Price. For more information about Morningstar’s overview of the
    Minnesota 529 College Savings Plan, go to Morningstar.com. TIAA-CREF Tuition
    Financing, Inc. compensates Morningstar for the ability to quote these
    ratings in public communications. Past performance does not predict future
    results. Source: Morningstar.com. A Morningstar Analyst Rating for a 529
    college savings plan is not a credit or risk rating. Analyst ratings are
    subjective in nature and should not be used as the sole basis for investment
    decisions.↩

For more information about the Minnesota College Savings Plan, call
1-877-338-4646 or click here for a Plan Description which includes investment
objectives, risks, charges, expenses, and other important information. Read and
consider it carefully before investing.

Please Note: Before you invest, consider whether your or the beneficiary’s home
state offers any state tax or other state benefits such as financial aid,
scholarship funds, and protection from creditors that are only available for
investments in that state’s qualified tuition program. You should also consult
your legal or tax professional for tax advice based on your own circumstances.
Investments in the plan are neither insured nor guaranteed and there is the risk
of investment loss.

If the funds aren’t used for qualified higher education expenses, a 10% penalty
tax on earnings (as well as federal and state income taxes) may apply.

The Minnesota College Savings Plan is offered by the State of Minnesota.
TIAA-CREF Tuition Financing, Inc. (TFI), program manager. TIAA-CREF Individual &
Institutional Services, LLC, Member FINRA, distributor and underwriter for the
Minnesota College Savings Plan.

The Plan Web site contains links to other Web sites. Neither the Plan nor TFI
and its affiliates are responsible for the content of those other Web sites. The
accuracy of information on those sites cannot be confirmed.

All social media platforms are managed by the State of Minnesota.

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