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KY Saves 529 Plan Logo

It doesn’t take a lot to save for education. And every dollar helps.

  • Get started with no minimum contribution.
  • Make saving automatic: Set up recurring contributions directly from your bank account – and consider increasing annually. Contribute directly from your paycheck, too. (Of course, you can make one-time contributions any time by check or electronically.)
  • Save as much as you want: While most families are saving for only a portion of their child’s future education, you can save up to $450,000 total per all qualified tuition programs sponsored by Kentucky in their name.

Low fees matter

Your contributions should go toward education, not expensive investing fees. That’s why, with KY Saves 529, there is no enrollment fee. You’ll pay just a low total annual asset-based fee per investment option that ranges from 0.20% - 0.81%, or as low as $2 a year for each $1,000 invested.

The fee covers all administrative costs associated with the program, such as:

  • the cost of securely maintaining your account
  • oversight of the program’s investments
  • providing excellent customer service and account record keeping
  • the operating expenses of the underlying investment funds in which the investment options are invested

Save little by little with KY Saves 529. Affordable contributions of $25

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KY Saves 529 is administered by the Kentucky Higher Education Assistance Authority (KHEAA)

For more information about the Kentucky Educational Savings Plan Trust (KY Saves 529), call 855-840-4855 or visit to obtain a Program 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 also may wish to contact directly your home state’s 529 college savings plan(s), or any other 529 plan, to learn more about those plans’ features, benefits, and limitations. You should also consult your financial, tax, or other advisor to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision.

KY Saves 529 is administered by the Kentucky Higher Education Assistance Authority. Ascensus College Savings Recordkeeping Services, LLC, is the Program Manager. The Program Manager and its affiliates have overall responsibility for the program’s day-to-day operations, including investment advisory services, recordkeeping, and administrative services.

Investment returns will vary depending upon the performance of the Investment Options you choose. Depending on market conditions, you could lose all or a portion of your money by investing in KY Saves 529. Account Owners assume all investment risks as well as responsibility for any federal and state tax consequences.

Ugift is a registered service mark.


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