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Text Content

Menu
 * Learn Toggle submenu
    * Saving 101 Toggle submenu
       * 529 Basics
       * Benefits of Saving
   
    * About the Plan Toggle submenu
       * A Message from the Treasurer
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    * News Toggle submenu
       * Newsletter
   
    * Resources Toggle submenu
       * Saving Resources Toggle submenu
          * 529 Defined - Your Guide to the Lingo
          * Gift of Education
          * Tax Benefits Explained
          * Tips to Opening a College Savings Iowa Account
          * What If Your Beneficiary Changes Their Plan
      
       * Employer Resources
       * Vanguard and Ascensus
       * Set Up Online Management
       * Program Description
   
    * Enroll Now

 * Invest Toggle submenu
    * Guide to Choosing Investments
    * Age-Based Tracks
    * Individual Portfolios
    * K-12 Goals and Investments
    * Prices and Performance

 * Save Toggle submenu
    * Tax Benefits
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    * Withdrawals
    * Qualified Expenses
    * Participant Tools
    * Forms
    * Make a Gift

 * About Us Toggle submenu
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DEDUCT MORE IN 2024

Up to $4,028 in contributions can be deducted
from Iowa income taxes in 2024.

Learn More


DEDUCT MORE IN 2024

Up to $4,028 in contributions can be deducted
from Iowa income taxes in 2024.

Learn More


FOR EVERY CHILD. FOR ANY DREAM.

Create a world of possibilities.

Learn More

on For every child. For any dream.


BEING A PARENT IS FULL OF CHALLENGES.

Saving for your child’s education
isn’t one of them.

Learn More

on Being a parent is full of challenges.





COLLEGE SAVINGS IOWA 529 HELPS YOU PLAN NOW FOR THEIR TOMORROW.

If you have 10 minutes and $25, you can get started!

Open an Account


WHAT CAN SAVINGS BE USED FOR?

K-12 Tuition

Apprenticeships & Trades

College & University Tuition

Supplies & Equipment

Room & Board

Computers & Internet


READ A NOTE FROM TREASURER SMITH

Learn More on Read a note from Treasurer Smith



ATTEND A FREE WEBINAR

Learn More on Attend a free webinar



GIVE A GIFT THAT LASTS WITH UGIFT®

Learn More on Give a gift that lasts with Ugift®
529 basics
Plan highlights
Saving early matters


WHAT YOU NEED TO KNOW ABOUT 529S.

Defining 529s
A 529 plan is a type of investment account you can use to save for qualified
education expenses. 529 plans are usually sponsored by states, and College
Savings Iowa is a 529 plan established and sponsored by the State of Iowa.

The term 529 comes from Section 529 of the Internal Revenue Code, which
specifies the tax advantages available to those saving in a 529 plan. The
investments grow with federally tax-deferred earnings, and distributions are tax
free when used to pay for qualified education expenses.

Terms to Know
Participant: The adult opening a College Savings Iowa account. This can be just
about anybody, including parents, grandparents, other relatives and friends.

Beneficiary: The future student, or person the College Savings Iowa account is
opened for. This can be a child, grandchild, friend or even the Participant
themselves.


Read More on 529 basics




WHY COLLEGE SAVINGS IOWA COULD HELP YOU MAKE DREAMS A REALITY.

Maintain Control
College Savings Iowa is the state’s direct-sold 529 plan, which means you can
open an account on your own – without a financial advisor. As a Participant, you
will pick investments, choose a Beneficiary and determine how, and when, the
money is used. You always maintain control of and make decisions about the
account.

Receive Tax Benefits
Your account earnings grow federally tax-deferred, which means you pay no taxes
on your qualified withdrawals. Additionally, if you are an Iowa taxpayer, all
withdrawals are free from state income taxes and you could receive a state tax
deduction for your contributions. More money for education rather than taxes?
Yes, please.

Make Manageable Contributions
There are no fees to open an account – you just need an initial investment of at
least $25 to get started. Each additional contribution can be as little as $25,
or $15 when contributing through an employer's payroll direct deposit plan.


Read More on Plan highlights




BENEFITS BEYOND THE TUITION BILL.

A little support goes a long way.
Don’t cut yourself short – by saving for a student in your life, you’re doing
more than paying tuition and other education-related expenses. You’re fostering
a dream!

A child with a dedicated education savings account of $1 to $499 is over three
times more likely to enroll in college than a child with no savings account, and
is more than four and a half times more likely to graduate. Little by little,
you could be the difference between a dream and a reality.

Savings vs. borrowing: the numbers don't lie.
Spoiler alert: While it may seem like a good idea to borrow everything your
Beneficiary will need for higher education when the time comes, this is a
mistake that could cost you hundreds, if not thousands, of dollars.

Make your money work for you.
No matter the age of your Beneficiary, saving now usually beats borrowing later.
But if you find yourself thinking, “I have plenty of time, I can wait,” think
again! With compounding, you could maximize your savings when you start now.


Read More on Saving early matters



Helping families save for their super students for over 25 years

Get Started
Latest posts


NEWS


STATE TREASURER ROBY SMITH ANNOUNCES NEW COLLEGE SAVINGS IOWA WEBSITE

DES MOINES – State Treasurer Roby Smith is excited to launch the newly
re-designed CollegeSavingsIowa.com. “We gave it a fresh look that focuses on
learning,...

Read post on State Treasurer Roby Smith Announces New College Savings Iowa
Website


TREASURER SMITH REMINDS IOWANS TO REGISTER FOR $5,290 COLLEGE SAVINGS IOWA
GIVEAWAYS

DES MOINES – State Treasurer Roby Smith is reminding Iowans to register for the
College Savings Iowa Year-End Giveaway before it ends December 31, 2023....

Read post on Treasurer Smith Reminds Iowans to Register for $5,290 College
Savings Iowa Giveaways


STATE TREASURER ROBY SMITH SUGGESTS GIVING A GIFT THAT WILL LAST

DES MOINES – State Treasurer Roby Smith is encouraging Iowa families to add a
contribution to a College Savings Iowa account to their child’s holiday...

Read post on State Treasurer Roby Smith Suggests Giving a Gift That Will Last
See All


STAY IN THE LOOP AND NEVER MISS AN UPDATE!

Sign up today to start receiving the College Savings Iowa quarterly newsletter
in your inbox!



COLLEGE SAVINGS IOWA

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Investment returns are not guaranteed, and you could lose money by investing in
College Savings Iowa.

For more information about College Savings Iowa, obtain a Program
Description online or request one by calling 888-672-9116. Investment
objectives, risks, charges, expenses and other important information are
included in the Program Description; read and consider it carefully before
investing.

If you are not an Iowa taxpayer, consider before investing whether your or the
designated student's home state offers any state tax or other benefits that are
only available for investments in such state's qualified tuition program. Other
state benefits may include financial aid, scholarship funds, and protection from
creditors.

College Savings Iowa is an Iowa trust sponsored by the Iowa State Treasurer's
Office. The Treasurer of the State of Iowa sponsors and is responsible for
overseeing the administration of College Savings Iowa. The Vanguard Group, Inc.,
serves as Investment Manager. Ascensus College Savings Recordkeeping Services,
LLC, provides records administration services. The Plan's portfolios, although
they invest in Vanguard mutual funds, are not mutual funds.

College Savings Iowa and the College Savings Iowa logo are trademarks of the
State of Iowa. Ugift is a registered service mark. The Vanguard logo is a
registered trademark of The Vanguard Group, Inc.

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IOWA EDUCATIONAL SAVINGS PLANS TRUST.

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 * Learn
    * Saving 101
      * 529 Basics
      * Benefits of Saving
    * About the Plan
      * A Message from the Treasurer
      * Plan Highlights
      * FAQs
      * Contact Us
      * Quick Facts
    * News
      * Newsletter
    * Resources
      * Saving Resources
      * Employer Resources
      * Vanguard and Ascensus
      * Set Up Online Management
      * Program Description
    * Enroll Now
   
   
   GIVE THE GIFT OF EDUCATION
   WITH UGIFT®
   
   Ugift makes it easy to contribute to a student's education savings.
   
   Learn more

 * Invest
    * Guide to Choosing Investments
    * Age-Based Tracks
    * Individual Portfolios
    * K-12 Goals and Investments
    * Prices and Performance

 * Save
    * Tax Benefits
    * Contributions
    * Withdrawals
    * Qualified Expenses
    * Participant Tools
    * Forms
    * Make a Gift