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Arizona's Education Savings Plan, AZ529

Ofrecido por la Oficina del Tesorero del Estado de Arizona y administrado por Fidelity, este plan 529 está abierto para residentes de los Estados Unidos.

Abra una cuenta 529

Ventajas fiscales

El plan 529 de Arizona ofrece beneficios fiscales federales y estatales mientras ahorra para la educación de los niños.

Uso flexible de los fondos

Use los fondos para una amplia gama de gastos universitarios en escuelas acreditadas en todo el país, más gastos de matrícula para los grados K-12, ciertos costos de aprendizaje y reembolsos de préstamos estudiantiles.¹

Muchas opciones de inversión

Elija una estrategia basada en la edad o una estrategia personalizada basándose en sus objetivos de inversión específicos.

Morningstar silver rating logo

El Arizona's Education Savings Plan, AZ529 recibió la calificación de plata de Morningstar de 2023 y 2024.²

Leer el informe de la industria 529 de Morningstar (en inglés)

Ventajas fiscales
Ingresos	Cualquier ingreso crece de forma diferida con respecto a los impuestos federales.
Contribuciones	Los residentes y contribuyentes de Arizona son elegibles para una deducción de impuestos del estado sobre las contribuciones de 529. La deducción fiscal anual no puede exceder los $2,000 por beneficiario para individuos solteros y $4,000 por beneficiario para contribuyentes casados que declaran sus impuestos en conjunto. Utilice la calculadora de deducción de impuestos estatales 529. Se abre en una nueva ventana para obtener más información (en ingles)
Retiros	Los retiros calificados están libres de impuestos sobre la renta, tanto federales como de Arizona.
Detalles de la cuenta
Máximo de la cuenta	$590,000 efectivo desde el 1 de octubre de 2024⁴
Gastos de inversión	Las tarifas varían según su estrategia de inversión (en inglés): 0.47%–0.95% (Fidelity Funds) 0.10%–0.14% (Fidelity Index Funds) 0.40%–0.59% (Fidelity Blend) 0.05%–0.50% (Bank Deposit Portfolio) Para detalles sobre las tarifas, consulte el Fact Kit (kit de información general del plan) (PDF).
Rendimiento del plan	Vea la información sobre el rendimiento a corto plazo de los fondos o el rendimiento total anual promedio por mes o por trimestre. Descargar el informe anual en inglés (PDF)
Recursos adicionales
Oficina del Tesorero del Estado de Arizona	Aprenda más sobre el patrocinador estatal de este plan.
Paquete de aplicación y datos del plan	Descargue la aplicación y los documentos relevantes adicionales.

Tenga en cuenta estos consejos de los clientes de Fidelity que encontraron maneras fáciles de pedir a sus familiares y amigos que consideren hacer donaciones a su 529 en ocasiones de regalos.

Abra una cuenta 529

Averigüe qué es lo que necesitará antes de abrir una cuenta.

¿Ya tiene una cuenta 529? Deposite fondos en su cuentaLog In Required

Obtenga información sobre la planificación universitaria

Acceda a una biblioteca de cursos, artículos y videos a fin de aprender más sobre la planificación y el ahorro para la universidad.

Empiece a ahorrar para la universidad

Entienda lo que es tener una cuenta, desde elegir un plan hasta retirar fondos.

¿Va por buen camino?

Cualquiera puede utilizar nuestra calculadora de ahorro para la universidad a fin de calcular cuánto ahorrar cada mes. Inicie sesión o hágase miembro para crear un plan de ahorro personalizadoLog In Required. Es necesario iniciar sesión para seguir su progreso.

Comuniquese con nosotros para obtener ayuda y respuestas.

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/2/2025: 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
AZ Portfolio 2042 (Fidelity Funds)	0.66%	0.125%	0.045%	N/A	0.83%	N/A
AZ Portfolio 2039 (Fidelity Funds)	0.63%	0.125%	0.045%	N/A	0.80%	N/A
AZ Portfolio 2036 (Fidelity Funds)	0.60%	0.125%	0.045%	N/A	0.77%	N/A
AZ Portfolio 2033 (Fidelity Funds)	0.57%	0.125%	0.045%	N/A	0.74%	N/A
AZ Portfolio 2030 (Fidelity Funds)	0.53%	0.125%	0.045%	N/A	0.70%	N/A
AZ Portfolio 2027 (Fidelity Funds)	0.47%	0.125%	0.045%	N/A	0.64%	N/A
AZ Portfolio 2024 (Fidelity Funds)	0.44%	0.125%	0.045%	N/A	0.61%	N/A
AZ College Portfolio (Fidelity Funds)	0.43%	0.125%	0.045%	N/A	0.60%	N/A
AZ Aggressive Growth Portfolio (Fidelity Funds)	0.78%	0.125%	0.045%	N/A	0.95%	N/A
AZ Moderate Growth Portfolio (Fidelity Funds)	0.67%	0.125%	0.045%	N/A	0.84%	N/A
AZ Conservative Portfolio (Fidelity Funds)	0.30%	0.125%	0.045%	N/A	0.47%	N/A
AZ Stable Value Portfolio	0.45%	0.07%	0.01%	N/A	0.53%	N/A

Fidelity-managed 529 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 a Fidelity-managed 529 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 2, 2025 and the Portfolio Management Fees associated with the Portfolio as of January 2, 2025, 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 on page 34. Individual Fund Portfolios (as defined on page 14) do not assess Portfolio Management Fees. The after-expense fee waiver reductions reflect expenses after fees are waived or reimbursed by the investment adviser of the underlying mutual funds. Any such reimbursements are voluntary and may be lowered or eliminated at any time. See "Before Reductions" and "After Reductions" Portfolio Expense Ratios on page 28 of the AZ529 Plan Fact Kit for more information. The underlying mutual fund expense data was obtained from each fund’s most recently published financial statement (annual or semi-annual report) publicly available as of the preparation of this Fact Kit beginning September 2024. Please go to www.fidelity.com/arizona to view Portfolio expense information.

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 38 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.

908750.13.0

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/2/2025: 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
AZ Portfolio 2042 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Portfolio 2039 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Portfolio 2036 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Portfolio 2033 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Portfolio 2030 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Portfolio 2027 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Portfolio 2024 (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ College Portfolio (Fidelity Index)	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Aggressive Growth Portfolio (Fidelity Index)	0.04%	0.07%	0.02%	N/A	0.13%	N/A
AZ Moderate Growth Portfolio (Fidelity Index)	0.04%	0.07%	0.02%	N/A	0.13%	N/A
AZ Conservative Portfolio (Fidelity Index)	0.04%	0.07%	0.02%	N/A	0.13%	N/A
AZ Intermediate Treasury Index Portfolio	0.03%	0.07%	0.02%	N/A	0.12%	N/A
AZ International Index Portfolio	0.05%	0.07%	0.02%	N/A	0.14%	N/A
AZ Fidelity 500 Index Portfolio	0.01%	0.07%	0.02%	N/A	0.10%	N/A
AZ Total Market Index Portfolio	0.02%	0.07%	0.02%	N/A	0.11%	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 2, 2025 and the Portfolio Management Fees associated with the Portfolio as of January 2, 2025, which are paid to the Program Manager. Individual Fund Portfolios (as defined on page 14) do not assess Portfolio Management Fees. The after-expense fee waiver reductions reflect expenses after fees are waived or reimbursed by the investment adviser of the underlying mutual funds. Any such reimbursements are voluntary and may be lowered or eliminated at any time. See "Before Reductions" and "After Reductions" Portfolio Expense Ratios on page 28 of the AZ529 Plan Fact Kit for more information. The underlying mutual fund expense data was obtained from each fund’s most recently published financial statement (annual or semi-annual report) publicly available as of the preparation of this Fact Kit beginning September 2024. Please go to www.fidelity.com/arizona to view Portfolio expense information.

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.

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 39 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.

908750.13.0

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/2/2025: Fidelity Blend

Portfolio	Estimated Underlying Fund and Management Expenses¹	Program Manager Fee²	State Fee³	Miscellaneous Fee⁴	Total Annual Asset-Based Fee⁵	Annual Account Maintenance Fee⁶
AZ Portfolio 2042 (Blend)	0.47%	0.08%	0.04%	N/A	0.59%	N/A
AZ Portfolio 2039 (Blend)	0.44%	0.08%	0.04%	N/A	0.56%	N/A
AZ Portfolio 2036 (Blend)	0.42%	0.08%	0.04%	N/A	0.54%	N/A
AZ Portfolio 2033 (Blend)	0.39%	0.08%	0.04%	N/A	0.51%	N/A
AZ Portfolio 2030 (Blend)	0.36%	0.08%	0.04%	N/A	0.48%	N/A
AZ Portfolio 2027 (Blend)	0.32%	0.08%	0.04%	N/A	0.44%	N/A
AZ Portfolio 2024 (Blend)	0.29%	0.08%	0.04%	N/A	0.41%	N/A
AZ 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 2, 2025 and the Portfolio Management Fees associated with the Portfolio as of January 2, 2025, 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 on page 34. Individual Fund Portfolios (as defined on page 14) do not assess Portfolio Management Fees. The after-expense fee waiver reductions reflect expenses after fees are waived or reimbursed by the investment adviser of the underlying mutual funds. Any such reimbursements are voluntary and may be lowered or eliminated at any time. See "Before Reductions" and "After Reductions" Portfolio Expense Ratios on page 29 of the AZ529 Plan Fact Kit for more information. The underlying mutual fund expense data was obtained from each fund’s most recently published financial statement (annual or semi-annual report) publicly available as of the preparation of this Fact Kit beginning September 2024. Please go to www.fidelity.com/arizona to view Portfolio expense information.

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 40 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.

908750.13.0

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/2/2025: AZ Bank Deposit Portfolio

Portfolio	Bank Administration Fee¹	Program Manager Fee²	State Fee³	Miscellaneous Fee⁴	Total Annual Asset-Based Fee⁵	Annual Account Maintenance Fee⁶
AZ 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.

908750.13.0

Arizona's Education Savings Plan, AZ529

Detalles del plan

Opciones de inversión

Preguntas frecuentes

Descripción general del 529

Ventajas fiscales

Detalles de la cuenta

Recursos adicionales

Cómo pedir donaciones a una cuenta 529

Aprender más

Contacto

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/2/2025: Fidelity Funds

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/2/2025: Fidelity Index Funds

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/2/2025: Fidelity Blend

AZ529, Arizona's Education Savings Plan Fee and Expense Structure as of 1/2/2025: AZ Bank Deposit Portfolio

Mutual Funds and Mutual Fund Investing - Fidelity Investments

Arizona's Education Savings Plan, AZ529

Detalles del plan

Opciones de inversión

Preguntas frecuentes

Descripción general del 529

Ventajas fiscales

Detalles de la cuenta

Recursos adicionales

Cómo pedir donaciones a una cuenta 529

Aprender más

Contacto