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AZ529, Arizona's Education Savings Plan

Offered by the Arizona State Treasurer's Office and managed by Fidelity, this 529 plan is open to US residents.

Tax advantages

The Arizona 529 plan offers federal and state tax benefits as you save for a child's education.

Flexible use of funds

Use the funds for a wide range of college expenses at accredited schools nationwide—plus tuition expenses for K–12th grade, certain apprenticeship costs, and student loan repayments.

Many investment choices

Choose either an Age-Based Strategy or a Custom Strategy based on your specific investment goals.

College gifting service

Friends and family can send gifts directly to your 529 with our free, online college gifting service. Gifters don't need a Fidelity account.

Fidelity Investments 529 College Rewards^® Visa Signature^® Card

Help to grow your college savings account with unlimited 2% cash back on every eligible net purchase.¹

What is a 529 plan?

This tax-advantaged education savings account could help you hit your college savings goals. There's no annual account fee and no income restrictions.

Tax advantages
Earnings	Any earnings grow federal income tax-deferred.
Contributions	Arizona residents and taxpayers are eligible for a state tax deduction on 529 contributions. The annual tax deduction cannot exceed $2,000 per beneficiary for single individuals and $4,000 per beneficiary for married filing jointly. Use the 529 state tax deduction calculator to learn more.
Withdrawals	Qualified withdrawals are free from federal and Arizona income taxes.
Account details
Account maximum	$531,000 effective October 1, 2022²
Investment expenses	Fees vary, depending on your investment strategy: 0.47%–0.95% (Fidelity Funds) 0.11%–0.15% (Fidelity Index Funds) 0.40%–0.60% (Fidelity Blend) 0.05%–0.50% (Bank Deposit Portfolio)
Plan performance	View information on the funds' short-term performance, or average annual total returns by month or by quarter. Download the annual report (PDF)
Additional resources
Arizona State Treasurer's Office	Learn more about the state sponsor for this plan.
Plan application & fact kit	Download the application and supporting documents.

Consider these tips from Fidelity customers who found easy ways to ask their family and friends to consider gifting to their 529 on gift-giving occasions.

Open a 529 account

Find out what you'll need before you open an account

Already have a 529 account? Fund your accountLog In Required

Learn about college planning

Access a library of courses, articles, and videos to learn more about planning and saving for college.

Get started with college savings

Understand what it's like to have an account, from choosing a plan to withdrawing funds.

Are you on track?

Anyone can use our college savings calculator to figure out how much to save each month. Login or become a member to create a personalized savings plan and track your progress.

Ahorros para la universidad (PDF)
Un folleto en Español con informacion sobre productos y soluciones de ahorrar para el futuro de su hijo

Abra una Cuenta para el Plan de Ahorro para la Educación Universitaria de Arizona de Fidelity
Descargue la Solicitud de Cuenta y el Paquete de Datos del Plan de Ahorro para la Educación Universitaria de Arizona de Fidelity.

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1. You will earn 2 points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. Certain transactions are not eligible for Rewards Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your points for other rewards such as travel options, merchandise, gift cards, and/or a statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use points to obtain any rewards offered under the program other than Fidelity Rewards.

2. Contributions no longer can be made once the total value of all accounts for the same beneficiary in any Arizona 529 plan meet the account maximum.

Account must be open and in good standing to earn and redeem rewards and benefits. Please refer to your Rewards Program Rules for additional information.

The AZ529, Arizona's Education Savings Plan, is not insured by the state of Arizona or Fidelity Investments, and neither the principal deposited nor the investment return is guaranteed by the state of Arizona or Fidelity Investments.

Although the underlying deposits are eligible for FDIC insurance, subject to applicable federal deposit insurance limits, the units of the Bank Deposit Portfolio are not insured or guaranteed by the FDIC or any other government agency. You are responsible for monitoring the total amount of your assets on deposit at the depository bank, including amounts held directly at the depository bank. All such deposits held in the same ownership capacity at the depository bank are subject to aggregation and to the current FDIC insurance coverage limitation of $250,000. Please see your 529 Fact Kit for more details.

The AZ529, Arizona's Education Savings Plan, is offered by the state of Arizona with the Arizona State Treasurer's Office as the Plan Administrator and the Arizona State Board of Investment as Plan Trustee and is managed by Fidelity Investments. If you or the designated beneficiary is not an Arizona resident, you may want to consider, before investing, whether your state or the beneficiary's home state offers its residents a plan with alternate state tax advantages or other state benefits such as financial aid, scholarship funds and protection from creditors.

Units of the portfolios are municipal securities and may be subject to market volatility and fluctuation.

Please carefully consider the plan's investment objectives, risks, charges, and expenses before investing. For this and other information on any 529 college savings plan managed by Fidelity, contact Fidelity for a free Fact Kit, or view one online. Read it carefully before you invest or send money.

800921.16.2

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/3/2023: Fidelity Funds

Portfolio	Estimated Underlying Fund and Management Expenses¹	Program Manager Fee²	State Fee³	Miscellaneous Fee⁴	Total Annual Asset-Based Fee⁵	Annual Account Maintenance Fee⁶
Portfolio 2042 (Fidelity Funds)	0.68%	0.125%	0.045%	N/A	0.85%	N/A
Portfolio 2039 (Fidelity Funds)	0.65%	0.125%	0.045%	N/A	0.82%	N/A
Portfolio 2036 (Fidelity Funds)	0.62%	0.125%	0.045%	N/A	0.79%	N/A
Portfolio 2033 (Fidelity Funds)	0.59%	0.125%	0.045%	N/A	0.76%	N/A
Portfolio 2030 (Fidelity Funds)	0.56%	0.125%	0.045%	N/A	0.73%	N/A
Portfolio 2027 (Fidelity Funds)	0.51%	0.125%	0.045%	N/A	0.68%	N/A
Portfolio 2024 (Fidelity Funds)	0.45%	0.125%	0.045%	N/A	0.62%	N/A
College Portfolio (Fidelity Funds)	0.43%	0.125%	0.045%	N/A	0.60%	N/A
Aggressive Growth Portfolio (Fidelity Funds)	0.78%	0.125%	0.045%	N/A	0.95%	N/A
Moderate Growth Portfolio (Fidelity Funds)	0.67%	0.125%	0.045%	N/A	0.84%	N/A
Conservative Portfolio (Fidelity Funds)	0.30%	0.125%	0.045%	N/A	0.47%	N/A
Stable Value Portfolio	0.42%	0.07%	0.01%	N/A	0.52%	N/A

The AZ529, Arizona's Educational Savings Plan, participants may not move or exchange money from the Stable Value Portfolio to the Bank Deposit Portfolio. Please carefully review your Portfolio selection before investing in The AZ529, Arizona's Educational Savings Plan. You may want to consult with a financial or tax profession before investing.

Portfolios exposed to an insurance wrap contract may be subject to additional risks. Please see “Insurance Wrap Contract Risk” in the Fact Kit for more information.

1. The "Underlying Fund and Portfolio Management Fees" are based on a weighted average of the annual operating expenses after reductions of the underlying mutual funds in which the Portfolio expects to invest as of January 3, 2023 and the Portfolio Management Fees associated with the Portfolio as of January 3, 2023, which are paid to the Program Manager. The Portfolio Management Fee will be reduced annually for the Age-Based Fidelity Funds Portfolios based on each Portfolio's asset allocation among the applicable underlying mutual funds as of the first day of each calendar year and is reflected on the Portfolio Management Fee Rolldown Schedule. The underlying mutual fund expense data was obtained from each fund’s most recent financial statement.

2. The "Program Manager Fee" is the percentage of net assets paid to Fidelity for performing services for the AZ529 Plan.

3. The "State Fee" is the percentage of net assets retained by the Trust. Fidelity pays the Trustee $10 per account during the month an account is opened with the Trust (New Account Fee). This fee is paid to the Trustee by Fidelity; the state sponsor does not deduct this New Account Fee from your account.

4. The "Miscellaneous Fee" represents any other type of fee or expense imposed by the AZ529 Plan.

5. The "Total Annual Asset-Based Fee" illustrates the total asset-based fees assessed against net assets annually. Please refer to the "Hypothetical $10,000 Investment Cost Chart" on page 35 to review the impact of fees and expenses on a hypothetical $10,000 investment in the Plan over 1-, 3-, 5-, and 10-year periods.

6. The "Annual Account Maintenance Fee" is the annual fee deducted from an account balance each year. The AZ529 Plan does NOT assess an annual account maintenance fee.

908750.11.1

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/3/2023: Fidelity Index Funds

Portfolio	Estimated Underlying Fund and Management Expenses¹	Program Manager Fee²	State Fee³	Miscellaneous Fee⁴	Total Annual Asset-Based Fee⁵	Annual Account Maintenance Fee⁶
Portfolio 2042 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
Portfolio 2039 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
Portfolio 2036 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
Portfolio 2033 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
Portfolio 2030 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
Portfolio 2027 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
Portfolio 2024 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
College Portfolio (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
Aggressive Growth Portfolio (Fidelity Index)	0.04%	0.07%	0.02%	N/A	0.13%	N/A
Moderate Growth Portfolio (Fidelity Index)	0.04%	0.07%	0.02%	N/A	0.13%	N/A
Conservative Portfolio (Fidelity Index)	0.04%	0.07%	0.02%	N/A	0.13%	N/A
Intermediate Treasury Index Portfolio	0.03%	0.07%	0.02%	N/A	0.12%	N/A
International Index Portfolio	0.06%	0.07%	0.02%	N/A	0.15%	N/A
Fidelity 500 Index Portfolio	0.02%	0.07%	0.02%	N/A	0.11%	N/A
Total Market Index Portfolio	0.02%	0.07%	0.02%	N/A	0.11%	N/A

2. The "Program Manager Fee" is the percentage of net assets paid to Fidelity for performing services for the AZ529 Plan.

4. The "Miscellaneous Fee" represents any other type of fee or expense imposed by the AZ529 Plan.

6. The "Annual Account Maintenance Fee" is the annual fee deducted from an account balance each year. The AZ529 Plan does NOT assess an annual account maintenance fee.

908750.11.1

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/3/2023: Blend

Portfolio	Estimated Underlying Fund and Management Expenses¹	Program Manager Fee²	State Fee³	Miscellaneous Fee⁴	Total Annual Asset-Based Fee⁵	Annual Account Maintenance Fee⁶
Portfolio 2042 (Blend)	0.48%	0.08%	0.04%	N/A	0.60%	N/A
Portfolio 2039 (Blend)	0.46%	0.08%	0.04%	N/A	0.58%	N/A
Portfolio 2036 (Blend)	0.43%	0.08%	0.04%	N/A	0.55%	N/A
Portfolio 2033 (Blend)	0.41%	0.08%	0.04%	N/A	0.53%	N/A
Portfolio 2030 (Blend)	0.38%	0.08%	0.04%	N/A	0.50%	N/A
Portfolio 2027 (Blend)	0.35%	0.08%	0.04%	N/A	0.47%	N/A
Portfolio 2024 (Blend)	0.31%	0.08%	0.04%	N/A	0.43%	N/A
College Portfolio (Blend)	0.28%	0.08%	0.04%	N/A	0.40%	N/A

1. The "Underlying Fund and Portfolio Management Fees" are based on a weighted average of the annual operating expenses after reductions of the underlying mutual funds in which the Portfolio expects to invest as of January 3, 2023 and the Portfolio Management Fees associated with the Portfolio as of January 3, 2023, which are paid to the Program Manager. The Portfolio Management Fee will be reduced annually for the Age-Based Fidelity Blend Portfolios based on each Portfolio's asset allocation among the applicable underlying mutual funds as of the first day of each calendar year and is reflected on the Portfolio Management Fee Rolldown Schedule. The underlying mutual fund expense data was obtained from each fund’s most recent financial statement.

2. The "Program Manager Fee" is the percentage of net assets paid to Fidelity by the trust for performing services for the AZ529 Plan.

4. The "Miscellaneous Fee" represents any other type of fee or expense imposed by the AZ529 Plan.

5. The "Total Annual Asset-Based Fee" illustrates the total asset-based fees assessed against net assets annually. Please refer to the "Hypothetical $10,000 Investment Cost Chart" on page 36 to review the impact of fees and expenses on a hypothetical $10,000 investment in the Plan over 1-, 3-, 5-, and 10-year periods.

6. The "Annual Account Maintenance Fee" is the annual fee deducted from an account balance each year. The AZ529 Plan does NOT assess an annual account maintenance fee.

908750.11.1

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/3/2023: Bank Deposit Portfolio

Portfolio	Bank Administration Fee¹	Program Manager Fee²	State Fee³	Miscellaneous Fee⁴	Total Annual Asset-Based Fee⁵	Annual Account Maintenance Fee⁶
Bank Deposit Portfolio	0.00%-0.40%	0.00%-0.05%	0.05%	N/A	0.05%-0.50%	N/A

1. The "Bank Administration Fee" is the fee paid to Fidelity for the performance of administrative services related to the Bank Deposit Portfolio. The fee is a daily charge against the net assets of the Bank Deposit Portfolio at an annual rate of 0.00%-0.40% depending on the daily Federal Funds Target Rate and is as follows: (a) 0.00% if the Federal Funds Target Rate is 0.00% to < 0.50%; (b) 0.20% if the Federal Funds Target Rate is 0.50% to < 0.75%; and (c) 0.40% if the Federal Funds Target Rate is 0.75+.

2. The "Program Manager Fee" is the percentage of net assets paid to Fidelity by the Trust for performing services for the AZ529 Plan. The fee is a daily charge against the net assets of the Bank Deposit Portfolio at an annual rate of 0.00% to 0.05% depending on the daily Federal Funds Target Rate and is as follows: (a) 0.00% if the Federal Funds Target Rate is 0.00% to < 0.50%; (b) 0.05% if the Federal Funds Target Rate is 0.50% to < 0.75%; and (c) 0.05% if the Federal Funds Target Rate is 0.75%+.

4. The "Miscellaneous Fee" represents any other type of fee or expense imposed by the AZ529 Plan.

5. The "Total Annual Asset-Based Fee" illustrates the total fees assessed against net assets annually. This fee will range between 0.05% to 0.50% depending on the daily Federal Funds Target Rate, as described above in footnote 1 and 3. Please refer to the "Hypothetical $10,000 Investment Cost Chart" in the Fact Kit to review the impact of fees and expenses on a hypothetical $10,000 investment over 1-, 3-, 5-, and 10-year periods.

6. The "Annual Account Maintenance Fee" is the annual fee deducted from an account balance each year. The AZ529 Plan does NOT assess an annual account maintenance fee.

908750.11.1

AZ529, Arizona's Education Savings Plan

Plan details

Investment options

FAQs

529 overview

Why invest in a 529 college savings plan with Fidelity?

Tax advantages

Account details

Additional resources

How to ask for gifts to a 529 account

Learn more

Hablamos español

Get in touch

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/3/2023: Fidelity Funds

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/3/2023: Fidelity Index Funds

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/3/2023: Blend

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/3/2023: Bank Deposit Portfolio

Mutual Funds and Mutual Fund Investing - Fidelity Investments

AZ529, Arizona's Education Savings Plan

Plan details

Investment options

FAQs

529 overview

Why invest in a 529 college savings plan with Fidelity?

Tax advantages

Account details

Additional resources

How to ask for gifts to a 529 account

Learn more

Hablamos español

Get in touch

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/3/2023: Fidelity Funds

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/3/2023: Fidelity Index Funds

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/3/2023: Blend

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/3/2023: Bank Deposit Portfolio