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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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529 College Savings Plans Overview

The Delaware College Investment Plan

The Delaware College Investment Plan is a tax-advantaged 529 college savings plan open to both residents and nonresidents. The plan is sponsored by the state of Delaware and managed by Fidelity Investments.

Open a 529 Account

Earnings	Any earnings grow federal and Delaware income tax deferred.
Contributions	Some states offer income tax deductions for contributions. Use the 529 state tax deduction calculator to learn more.
Withdrawals	Qualified withdrawals are free from federal and Delaware income taxes.

Minimum initial investment	None
Account maximum	$350,000 per beneficiary*

Portfolio investment strategy	Aged based: Managed for you; asset allocation automatically becomes more conservative over time. or Custom: You decide how investments are distributed across different portfolios. Learn more about your investment options.
Plan performance	View annual returns, underlying funds, and portfolio allocations Download the annual report (PDF)

Portfolio investment strategy

Aged based: Managed for you; asset allocation automatically becomes more conservative over time.

Custom: You decide how investments are distributed across different portfolios.

Learn more about your investment options.

Plan performance

View annual returns, underlying funds, and portfolio allocations

Download the annual report (PDF)

Annual account maintenance fee	None
Investment expenses	Fees vary, depending on your investment strategy: 0.53%–0.99% (Fidelity Funds) 0.11%-0.20% (Fidelity Index Funds) 0.89%–1.13% (Multi-Firm Funds) 0.05%–0.50% (Bank Deposit Portfolio)

Delaware College Investment Plan Application & Fact Kit

¿Hablas español?

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 Inversión para la Educación Universitaria de Delaware de Fidelity.
Descargue la Solicitud de Cuenta y el Paquete de Datos del Plan de Inversión para la Educación Universitaria de Delaware.

Questions?

Call a college savings representative

800-544-1655 800-544-1655
Chat with a representative

College Planning Learning Center

Access a library of articles, videos, and courses on a variety of college planning topics.
Benefits of the Plan (PDF)

Read about the benefits of the Delaware College Investing Plan.
Online College Gifting

Learn how you can invite your friends and family to give to your 529 account.
Delaware Higher Education Office

Find out more about the state sponsor for this plan.

*Contributions no longer can be made once the total value of all accounts for the same beneficiary in the Delaware College Investment Plan meet the account maximum.

The Delaware College Investment Plan is offered by the state of Delaware and managed by Fidelity Investments. If you or the designated beneficiary is not a Delaware 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.

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 a 529 fact kit for more details.

Brokerage services provided by Fidelity Brokerage Services, Member NYSE, SIPC. 900 Salem Street, Smithfield, RI 02917

444542.38.0

Delaware College Investment Plan Fee and Expense Structure as of 9/30/2018: Fidelity Funds

Portfolio	Estimated Underlying Fund Expenses¹	Program Manager Fee²	State Fee³	Miscellaneous Fee⁴	Total Annual Asset-Based Fee⁵	Annual Account Maintenance Fee⁶
Portfolio 2036 (Fidelity Funds)	0.77%	0.15%	0.05%	N/A	0.97%	N/A
Portfolio 2033 (Fidelity Funds)	0.75%	0.15%	0.05%	N/A	0.93%	N/A
Portfolio 2030 (Fidelity Funds)	0.69%	0.15%	0.05%	N/A	0.89%	N/A
Portfolio 2027 (Fidelity Funds)	0.63%	0.15%	0.05%	N/A	0.83%	N/A
Portfolio 2024 (Fidelity Funds)	0.58%	0.15%	0.05%	N/A	0.78%	N/A
Portfolio 2021 (Fidelity Funds)	0.52%	0.15%	0.05%	N/A	0.72%	N/A
Portfolio 2018 (Fidelity Funds)	0.45%	0.15%	0.05%	N/A	0.65%	N/A
College Portfolio (Fidelity Funds)	0.46%	0.15%	0.05%	N/A	0.65%	N/A
Aggressive Growth Portfolio (Fidelity Funds)	0.79%	0.15%	0.05%	N/A	0.99%	N/A
Moderate Growth Portfolio (Fidelity Funds)	0.69%	0.15%	0.05%	N/A	0.89%	N/A
Conservative Portfolio (Fidelity Funds)	0.33%	0.15%	0.05%	N/A	0.53%	N/A
Money Market Portfolio*	0.37%	0.15%	0.05%	N/A	0.57%	N/A

You could lose money by investing in this 529 money market investment option. Although the money market fund in which your investment option invests (the "underlying fund") seeks to preserve its value at $1.00 per share, the underlying fund cannot guarantee it will do so. An investment in this 529 money market investment option is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The underlying fund's sponsor has no legal obligation to provide financial support to the underlying fund, and you should not expect that the sponsor will provide financial support to the underlying fund at any time.

1. The "Estimated Underlying Fund Expenses" are based on a weighted average of the expenses of the mutual funds before reductions in which the portfolio invests as of September 30, 2018. The underlying mutual fund expense data was 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 Delaware College Investment Plan.

3. The "State Fee" is the percentage of net assets retained by the trust.

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

5. The "Total Annual Asset-Based Fee" illustrates the total fees assessed against net assets annually. 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 Delaware College Investment Plan does NOT assess an annual account maintenance fee.

521000.18.0

Delaware College Investment Plan Fee and Expense Structure as of 9/30/2018: Fidelity Index Funds

Portfolio	Estimated Underlying Fund Expenses¹	Program Manager Fee²	State Fee³	Miscellaneous Fee⁴	Total Annual Asset-Based Fee⁵	Annual Account Maintenance Fee⁶
Portfolio 2036 (Fidelity Index)	0.04%	0.08%	0.01%	N/A	0.13%	N/A
Portfolio 2033 (Fidelity Index)	0.04%	0.08%	0.01%	N/A	0.13%	N/A
Portfolio 2030 (Fidelity Index)	0.04%	0.08%	0.01%	N/A	0.13%	N/A
Portfolio 2027 (Fidelity Index)	0.05%	0.08%	0.01%	N/A	0.14%	N/A
Portfolio 2024 (Fidelity Index)	0.06%	0.08%	0.01%	N/A	0.15%	N/A
Portfolio 2021 (Fidelity Index)	0.07%	0.08%	0.01%	N/A	0.16%	N/A
Portfolio 2018 (Fidelity Index)	0.08%	0.08%	0.01%	N/A	0.17%	N/A
College Portfolio (Fidelity Index)	0.08%	0.08%	0.01%	N/A	0.17%	N/A
Aggressive Growth Portfolio (Fidelity Index)	0.04%	0.08%	0.01%	N/A	0.13%	N/A
Moderate Growth Portfolio (Fidelity Index)	0.04%	0.08%	0.01%	N/A	0.13%	N/A
Conservative Portfolio (Fidelity Index)	0.11%	0.08%	0.01%	N/A	0.20%	N/A
Intermediate Treasury Index Portfolio	0.03%	0.08%	0.01%	N/A	0.12%	N/A
International Index Portfolio	0.06%	0.08%	0.01%	N/A	0.15%	N/A
Fidelity 500 Index Portfolio	0.02%	0.08%	0.01%	N/A	0.11%	N/A
Total Market Index Portfolio	0.02%	0.08%	0.01%	N/A	0.11%	N/A

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

3. The "State Fee" is the percentage of net assets retained by the Trust.

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

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

521002.16.0

Delaware College Investment Plan Fee and Expense Structure as of 9/30/2018: Multi-Firm Funds

Portfolio	Estimated Underlying Fund Expenses¹	Program Manager Fee²	State Fee³	Miscellaneous Fee⁴	Total Annual Asset-Based Fee⁵	Annual Account Maintenance Fee⁶
Portfolio 2036 (Multi-Firm)	0.78%	0.30%	0.05%	N/A	1.13%	N/A
Portfolio 2033 (Multi-Firm)	0.74%	0.30%	0.05%	N/A	1.09%	N/A
Portfolio 2030 (Multi-Firm)	0.70%	0.30%	0.05%	N/A	1.05%	N/A
Portfolio 2027 (Multi-Firm)	0.66%	0.30%	0.05%	N/A	1.01%	N/A
Portfolio 2024 (Multi-Firm)	0.63%	0.30%	0.05%	N/A	0.98%	N/A
Portfolio 2021 (Multi-Firm)	0.59%	0.30%	0.05%	N/A	0.94%	N/A
Portfolio 2018 (Multi-Firm)	0.54%	0.30%	0.05%	N/A	0.89%	N/A
College Portfolio (Multi-Firm)	0.54%	0.30%	0.05%	N/A	0.89%	N/A

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

3. The "State Fee" is the percentage of net assets retained by the trust.

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

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

595438.15.0

Delaware College Investment Plan Fee and Expense Structure as of 9/30/2018: Bank Deposit Portfolio

Portfolio	Estimated Underlying Fund Expenses¹	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 Delaware 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%+.

3. The "State Fee" is the percentage of net assets retained by the trust.

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

5. The "Total Annual Asset-Based Fee" illustrates the total fees assessed against net assets annually. 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 Delaware College Investment Plan does NOT assess an annual account maintenance fee.

561777.10.0

The Delaware College Investment Plan

Tax advantages

Account details

Investment options

Fees

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Delaware College Investment Plan Fee and Expense Structure as of 9/30/2018: Fidelity Funds

Delaware College Investment Plan Fee and Expense Structure as of 9/30/2018: Fidelity Index Funds

Delaware College Investment Plan Fee and Expense Structure as of 9/30/2018: Multi-Firm Funds

Delaware College Investment Plan Fee and Expense Structure as of 9/30/2018: Bank Deposit Portfolio

Mutual Funds and Mutual Fund Investing - Fidelity Investments

The Delaware College Investment Plan

Tax advantages

Account details

Investment options

Fees

Next steps

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Delaware College Investment Plan Fee and Expense Structure as of 9/30/2018: Fidelity Funds

Delaware College Investment Plan Fee and Expense Structure as of 9/30/2018: Fidelity Index Funds

Delaware College Investment Plan Fee and Expense Structure as of 9/30/2018: Multi-Firm Funds

Delaware College Investment Plan Fee and Expense Structure as of 9/30/2018: Bank Deposit Portfolio