More Ways to Save
When it comes to saving for college, every contribution to the account helps. Even smaller contributions, if made regularly, can add up over time. Here are additional opportunities to help you save regularly and invite others to get involved.

SMART529 Select has a number of options to help you increase account savings. Investing on a systematic schedule using either the Automatic Investment or Payroll Direct Deposit Programs can help grow the account balance* — you don't even have to remember! With Ugift®, family and friends can provide the gift of college savings.

Even smaller contributions, if made regularly, can add up over time.




uGift logo

Give College Savings with Ugift®

Add college savings to your wish list with Ugift, a unique service that lets you invite family and friends to celebrate special occasions with gift contributions to your beneficiary's 529 account.

You can email or print gift invitations with a Ugift coupon specially coded for your account. Your family members or friends send in their contribution (for as little as $25) with the gift coupon, and your account is credited.

It's Easy:

  • Log in to your Hartford SMART529 account
  • Select the Ugift link on the left side of the screen.
  • Follow the step-by-step instructions to get started: Fill in your celebration details and enter your invitee list and their email addresses.

When your family or friends return the gift coupon with their gift, the code on the coupon links it to your celebration. About five days after the celebration date, the gift contribution is invested directly into your account. We'll even send a thank-you email if your invitee's email address is available.



Automatic Investment Program

The SMART529 Automatic Investment Program (AIP) is an easy way to make regular contributions to a college savings account. Just provide the dollar amount and frequency of your contributions (typically monthly), and they'll be transferred electronically from the bank or credit union account you specify to your SMART529 Select account.

Sign up in one of two ways:

  1. Online – Follow the on-screen instructions to get started
  2. By mail – Print and fill out the Account Features Form and mail it to the address on the form.




Payroll Direct Deposit

Automatic payroll direct deposit makes saving for college nearly effortless. Just go online, sign up, print out the payroll direct deposit form, and bring it to your payroll department. Your employer must be able to support this feature.

Sign up in one of two ways:


  1. Log in to your Hartford SMART529 account.
  2. Select the Profile & Documents link on the right side of the screen.
  3. Link to Payroll Direct Deposit and follow the instructions on the screen.

By Mail

Complete the SMART529 Select Payroll Direct Deposit form and mail it to the address on the form.

We will send you a confirmation statement by mail that you must sign and submit to your employer's payroll department.

Good to Know

  • $25 minimum deduction per pay period ($15 for West Virginia residents)
  • Contributions are paid with after tax-dollars
  • Your employer must be able to support this feature




*Continuous or periodic investment plans neither ensure a profit nor protect against a loss in declining markets. Because these programs involve continuous investing regardless of fluctuating price levels, you should carefully consider your financial ability to continue investing through periods of fluctuating market prices. 

Ugift is a registered service mark of Ascensus Broker Dealer Services, Inc.