Make saving for education part of your routine

The UNIQUE College Investing Plan is a tax-advantaged 529 education savings plan professionally managed by Fidelity. It's open to all U.S. residents nationwide—parents, grandparents, aunts, uncles, or family friends can save with the UNIQUE Plan.

or call us at 800-544-1914

Tax advantages

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

Flexible use of funds

Utilize the funds for a wide range of college expenses at accredited schools nationwide in addition to tuition expenses for elementary, middle, and high school.

Many investment choices

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

UNIQUE College Investing Plan Details

Tax advantages


Any earnings grow federal income tax-deferred.


Qualified withdrawals are federal income tax-free.

Account details

Minimum initial investment


Account maximum

$500,000 per beneficiary1

Investment options

Portfolio investment strategy

Age-Based Strategy: Your asset allocation automatically becomes more conservative over time.

Custom Strategy: You decide how to distribute investments across different portfolios.

Learn more about investment options

Plan performance

View annual returns, underlying funds, and portfolio allocations

Download the annual report (PDF)


Annual account maintenance fee


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)

Research and features

New tax bill allows for additional usage of 529 funds

$10,000 per year can be applied toward tuition expenses for elementary, middle, and high schools (private, public, or religious). Although the money may come from multiple 529 accounts, it will be aggregated on a per beneficiary basis, and any distribution amount in excess of $10,000 will be subject to income and a 10% federal penalty tax.

Advantages of the plan
Read about the benefits of the UNIQUE College Investing Plan and how it can impact your college planning.

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.2

College gifting service
Invite any friend or family member to gift to your 529 with our free, easy-to-use online service. Donors do not need Fidelity accounts.

Learn more

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.

529 funds can now be used for K-12 expenses

Learn how $10,000 per year can be applied toward tuition expenses for elementary, middle, and high schools.

Hablamos español

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

Abra una Cuenta para el Plan de Inversión para la Educación Universitaria UNIQUE
Descargue la Solicitud de Cuenta y el Paquete de Datos del Plan de Inversión para la Educación Universitaria UNIQUE.