College Savings Account Investment Options - Smart529 Select

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SMART529 Select invests 100% in the Dimensional Fund Advisors investment options.

Investment Options

SMART529 Select Performance Sheet PDF

PDF

SMART529 Select offers a variety of investment portfolios tailored to individual investor's savings needs. You can even mix SMART529 Select investment portfolios for greater customization.

With Age-Based Portfolios, deciding how to invest is easy. The asset allocation within each of our seven portfolios is tailored for children in a particular age group. As your child grows, assets are shifted from a more aggressive portfolio (100% equity) to a more conservative one (20% equity, 60% fixed income, 20% cash equivalents), providing greater growth potential when your child is younger, and increased capital preservation potential as your child approaches college.

Tax-free transfers between investment options are allowed once per calendar year (automatic quarterly rebalancing of the Age-Based Portfolios does not count toward this limit). Account owners may make one investment strategy change per year.

	Asset Class	Description
	Equity (stocks)	Stock or shares of ownership or equity in a company. Have historically offered the best growth opportunities over the long term as well as the highest risk and volatility.
	Fixed Income	Any type of investment that yields a regular (or fixed) return, including bonds, money market instruments or preferred stock. Are less risky and volatile than stocks, but have historically produced lower returns.
	Cash equivalents	Short-term, highly liquid and relatively low-risk debt instruments issued by governments, financial institutions and corporations. Have historically provided the lowest returns of the three asset classes but show very little volatility.

PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.

Updated 08/17/2010

The Hartford

West Virgina College Prepaid Tuition and Savings Program Board of Trustees

Office of the State Treasurer, John Perdue. Read his Smart529 Statement.

West Virginia
State Treasurer's
website

Investments in SMART529 are not guaranteed or insured by the State of West Virginia, the Board of Trustees of the West Virginia College Prepaid Tuition and Savings Program, the West Virginia State Treasurer's Office, Hartford Life Insurance Company, The Hartford Financial Services Group, Inc., Dimensional Fund Advisors (the investment sub-advisors for the Underlying Funds) or any depository institution. Investments in SMART529 are subject to investment risks, including the loss of the principal amount invested, and may not be appropriate for all investors.

West Virginia provides its residents with tax advantages for investing in SMART529. If you reside in or have taxable income in a state other than West Virginia, you should consider whether your state has a qualified tuition program that offers favorable state income tax or other benefits exclusive to your state's program that are not available under the SMART529 program. Taxpayers and residents of other states who are interested in exploring such tax consequences should consult with a qualified tax advisor.

Non-qualified withdrawals are taxable as ordinary income to the extent of earnings and may also be subject to a 10% federal income tax penalty. Such withdrawals may have state income tax implications.

Investments in SMART529 are subject to certain charges, which will reduce the value of your Account as they are incurred. Please see the Offering Statement for details of charges or fees that apply to the specific SMART529 savings plan.

This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your own tax or legal counsel for advice.

You should carefully consider the investment objectives, risks and charges and expenses of SMART529 and its Underlying Funds before investing. This and other information can be found in the Offering Statement for SMART529 and the prospectuses or other disclosure documents for the Underlying Funds, which can be obtained on this website or by calling toll-free (866) 574-3542. Please read them carefully before you invest or send money.

SMART529 college savings plans are distributed by Hartford Securities Distribution Company Inc. Member SIPC.

SMART529 is issued by the West Virginia College Prepaid Tuition and Savings Program Board of Trustees and is administered by Hartford Life Insurance Company.

"The Hartford" is The Hartford Financial Services Group, Inc. and its subsidiaries.

Dimensional Fund Advisors is not a subsidiary or affiliate of The Hartford.