Ahorre para un futuro prometedor.

Ya sea un matrícula prepaga o un plan de ahorros universitarios, un plan 529 se puede utilizar para gastos relacionados con la educación en todas las universidades e institutos de formación superior acreditados. Puede contribuir fácilmente cualquier persona, ya sea que esté casada o no, sea o no un pariente. Los detalles del plan difieren según el estado. Esta solución versátil le permite elegir entre múltiples estrategias para crear una solución que funcione para sus necesidades particulares.

 

Las características incluyen:

  • Son generalmente subvencionados por estados individuales1,2
  • Se puede utilizar para donar activos
  • Se puede utilizar para cubrir la matrícula, alojamiento y comida, y cualquier otro gasto elegible en universidades acreditadas2
  • El propietario de la cuenta mantiene el control, incluso después de que el beneficiario cumpla 18 años2
  • Las ganancias en el plan están exentas de impuestos federales2
  • Los retiros de fondos elegibles están exentos de impuestos federales y pueden estar exentos de impuestos estatales2
  • Las contribuciones pueden estar exentas de impuestos federales sobre donaciones para quien las realiza2
 
 
 

 

1 By investing in a 529 plan outside your state of residence, you may lose available state tax benefits. 529 plans are subject to enrollment, maintenance, administration/management fees and expenses. Make sure you understand your state tax laws to get the most from your 529 plan. If a withdrawal is made for any reason other than a qualified higher education expense, the earnings portion of the withdrawal will be subject to both state and federal income tax, and possibly a 10% federal tax penalty. The value of a 529 plan is subject to risks, which include market fluctuation based on the 529 plan’s portfolio, and economic, political and social circumstances. Additionally, the investor has limited shareholder rights, as there is not a direct ownership interest, which includes limited or no voting rights for the underlying securities. The plan reserves the right to terminate or make changes to the plan at any time. Such changes may include the acceptance of additional contributions or the ability to establish new accounts. Investment objectives, risks, charges and expenses associated with municipal fund securities should be considered before investing in municipal fund securities. The issuer’s official statement should be read carefully before investing.

Contact Comerica Securities, Inc. at 800.232.6983 to obtain an official statement that provides more information and that should be read carefully. You should consider the investment objectives, risks, charges and expenses associated with the 529 plan before investing.

2 Comerica Bank and its affiliates do not provide tax or legal advice. Please consult with your tax and legal advisors regarding your specific situation.

Securities and other non-deposit investment products offered through Comerica Securities, Inc. are not insured by the FDIC; are not deposits or other obligations of, or guaranteed by, Comerica Bank or any of its affiliates; and are subject to investment risks, including possible loss of the principal invested. Past performance is not indicative of future results. Information presented is for general information only and is subject to change. Comerica Securities, Inc. is a broker/dealer, member FINRA/SIPC and subsidiary of Comerica Bank. Comerica Securities, Inc. is a federally Registered Investment Advisor. Registrations do not imply a certain level of skill or training.​​