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Do More With Your CHET Account

You took the first step to prepare for your child's college education when you opened your CHET Account. Don't stop there. Consider making an additional contribution today. Greater contributions now may mean you can actually invest less over the long term to meet your savings goal. This may not be the case if you have negative performance. See how this works.

Consider setting up the Automatic Contribution Plan (PDF, 157KB) or Payroll Deduction Plan (PDF, 45KB). These two options make it easy for you to contribute on a regular basis.

If you are a Connecticut state employee, use the Connecticut State Employee Payroll Deduction form (PDF, 75KB).

And did you know that you can set-up an account for an additional beneficiary and change address or e-mail address online?

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Recent Account Owner Communication(s)

Band Roll Confirmations

Account owners that have the Managed Allocation Option and Aggressive Managed Allocation Option will receive confirmation statements when their account beneficiary has a birthday which triggers the movement of funds within these investment options into a more conservative investment mix. As a feature of the Managed Allocation Option and Aggressive Managed Allocation Option a change of investment mix occurs when the account beneficiary reaches a certain age and your investment among equities, bonds and money market funds is automatically moved to a more conservative investment mix. The change reduces your exposure to equities and real estate investments as your beneficiary moves closer to the age of college attendance.

The shift in investment mix within the Managed Allocation Option and Aggressive Managed Allocation Option will be described as a "band roll" on the account statements and confirmations you receive. See the latest statement insert describing the band roll in more detail.

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WE'RE HERE TO HELP

Are your savings keeping up?
Use our calculator to see how much more you need to contribute to meet your savings goal.

If you would like to receive CHET updates, please provide us with your contact information.

Ready to make a Qualified Withdrawal?

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Questions?
Call 1-888-799-2438

The tax information contained on the Connecticut Higher Education Trust (the Plan) Web site is not intended to be used, and cannot be used by any taxpayer, for the purpose of avoiding tax penalties that may be imposed on the taxpayer. It was written to support the promotion of the products and services addressed in the Web site. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor.

The Plan is administered by the Connecticut State Treasury. TIAA-CREF Tuition Financing, Inc. (TFI) serves as Program Manager. TFI's affiliate, TIAA-CREF Individual & Institutional Services, LLC, is the distributor.

The investment approaches described are not recommendations and do not take into consideration personal goals or preferences. After evaluating information you consider important in making an investment choice, the ultimate decision is up to you. It is a good idea to revisit your investment strategy periodically as your goals, personal financial situation, and market conditions change.

Consider the investment objectives, risks, charges and expenses before investing in the Plan. Please call toll-free 1-888-799-2438 for a Disclosure Booklet containing this information. Read it carefully.

Before investing in a 529 plan, you should consider whether the state you or your designated beneficiary reside in or have taxable income in has a 529 plan that offers favorable state income tax or other benefits that are only available if you invest in that state's 529 plan.

The State of Connecticut, its agencies, TIAA-CREF Tuition Financing, Inc., Teachers Insurance and Annuity Association of America and its affiliates do not insure any account or guarantee its principal or investment return. Account value will fluctuate based upon a number of factors, including general market conditions.

The Plan Web site is for informational purposes only, and does not constitute an offer to sell or solicitation of an offer to buy any security that may be referenced on the site. Such offer or solicitation can be made only through the Disclosure Booklet.

The Plan Web site contains links to other Web sites. Neither the Plan Trust nor TFI and its affiliates are responsible for the content of those other Web sites. The accuracy of information on those sites cannot be confirmed.