Fee waivers and expense reimbursements

Fee waivers and expense reimbursements for each fund are described below.

Investment results reflect the waiver and reimbursements, without which results would have been lower.

Please see each fund’s most recent annual report or prospectus for details.

CollegeAmerica and ABLEAmerica are nationwide plans sponsored by Virginia 5 2 9.

Growth funds

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser is currently waiving a portion of the other expenses for Class R-3 and R-5E shares. This waiver will be in effect through at least January 1, 2025. The adviser may elect at its discretion to extend, modify or terminate the waiver at that time.

  • The investment adviser is currently reimbursing a portion of the other expenses. The reimbursement will be in effect through at least January 1, 2025. The investment adviser is also currently waiving a portion of the other expenses for Class R-3 shares. This waiver will be in effect through at least January 1, 2025. The adviser may elect at its discretion to extend, modify or terminate the waiver and/or reimbursement at that time.

  • From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

Growth-and-income funds

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds and the business manager for Washington Mutual Investors Fund waived a portion of their management fees.

Equity-income funds

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

Balanced funds

  • From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.

  • The investment adviser has reimbursed a portion of other expenses in the past.

Bond funds

  • The investment adviser is currently reimbursing a portion of other expenses. The reimbursement will be in effect through at least August 1, 2025. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser is currently waiving a portion of other expenses. The waiver will be in effect at least through November 1, 2024. The adviser may elect at its discretion to extend, modify or terminate the waiver at that time.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser is currently waiving a portion of other expenses. The waiver will be in effect at least through December 1, 2024. The adviser may elect at its discretion to extend, modify or terminate the waiver at that time.

  • The investment adviser has reimbursed a portion of other expenses in the past

  • The investment adviser has reimbursed and waived a portion of other expenses in the past.

  • The investment adviser is currently waiving a portion of other expenses. The waiver will be in effect at least through November 1, 2024. The adviser may elect at its discretion to extend, modify or terminate the waiver at that time.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

Tax-exempt bond funds

  • The investment adviser is currently reimbursing a portion of the other expenses. This reimbursement will be in effect through at least October 1, 2024. The adviser may elect at its discretion to extend, modify, or terminate the reimbursement at that time..

  • The investment adviser is currently reimbursing a portion of other expenses. The reimbursement will be in effect at least through October 1, 2024. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.

  • The investment adviser is currently waiving a portion of other expenses. The waiver will be in effect at least through October 1, 2024. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.

  • From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.

  • From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.

  • From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.

Money market fund

  • Virginia529, as program administrator for ABLEAmerica, is currently waiving the fee on Class ABLE-A and ABLE-F-2 shares owed to it as compensation for its oversight and administration of ABLEAmerica. This waiver will be in effect through at least December 1, 2024. Subject to the terms of its contractual arrangement with the investment adviser, Virginia529 may elect to extend, modify or terminate the waiver at that time.

 

Portfolio series funds

  • Virginia529, as program administrator of ABLEAmerica, is currently waiving the fee on Class ABLE-A and ABLE-F-2 shares owed to it as compensation for its oversight and administration of ABLEAmerica. This waiver will be in effect through at least January 1, 2025. Subject to the contractual arrangement with the investment adviser, the waiver may be extended, modified or terminated at that time.

 

  • Virginia529, as program administrator of ABLEAmerica, is currently waiving the fee on Class ABLE-A and ABLE-F-2 shares owed to it as compensation for its oversight and administration of ABLEAmerica. This waiver will be in effect through at least January 1, 2025. Subject to the contractual arrangement with the investment adviser, the waiver may be extended, modified or terminated at that time.

 

  • Virginia529, as program administrator of ABLEAmerica, is currently waiving the fee on Class ABLE-A and ABLE-F-2 shares owed to it as compensation for its oversight and administration of ABLEAmerica. This waiver will be in effect through at least January 1, 2025. Subject to the contractual arrangement with the investment adviser, the waiver may be extended, modified or terminated at that time.

 

  • Virginia529, as program administrator of ABLEAmerica, is currently waiving the fee on Class ABLE-A and ABLE-F-2 shares owed to it as compensation for its oversight and administration of ABLEAmerica. This waiver will be in effect through at least January 1, 2025. Subject to the contractual arrangement with the investment adviser, the waiver may be extended, modified or terminated at that time.

  • Virginia529, as program administrator of ABLEAmerica, is currently waiving the fee on Class ABLE-A and ABLE-F-2 shares owed to it as compensation for its oversight and administration of ABLEAmerica. This waiver will be in effect through at least January 1, 2025. Subject to the contractual arrangement with the investment adviser, the waiver may be extended, modified or terminated at that time.

 

  • Virginia529, as program administrator of ABLEAmerica, is currently waiving the fee on Class ABLE-A and ABLE-F-2 shares owed to it as compensation for its oversight and administration of ABLEAmerica. This waiver will be in effect through at least January 1, 2025. Subject to the contractual arrangement with the investment adviser, the waiver may be extended, modified or terminated at that time.

  • The investment adviser has reimbursed a portion of other expenses in the past.

Retirement income portfolio series funds

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

College target date funds

  • The investment adviser has waived a portion of other expenses in the past.

  • The investment adviser has waived a portion of other expenses in the past.

  • The investment adviser has waived a portion of other expenses in the past.

  • The investment adviser has waived a portion of other expenses in the past.

  • The investment adviser has waived a portion of other expenses in the past.

  • The investment adviser has waived a portion of other expenses in the past.

  • The investment adviser has waived a portion of other expenses in the past.

Retirement target date funds

  • The investment adviser has reimbursed a portion of other expenses in the past.

 

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.
You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund's sponsor is not required to reimburse the fund for losses, and you should not expect that the sponsor will provide financial support to the fund at any time, including during periods of market stress.
Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.
Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing. Similar information is contained in the CollegeAmerica Program Description and ABLEAmerica Program Description, which can be obtained from a financial professional and should be read carefully before investing. CollegeAmerica and ABLEAmerica are distributed by Capital Client Group, Inc., and sold through unaffiliated intermediaries.
Depending on your state of residence, there may be an in-state plan that provides state tax and other state benefits not available through CollegeAmerica (such as financial aid, scholarship funds and protection from creditors) or ABLEAmerica. Before investing in any state's 529 plan, investors should consult a tax advisor. CollegeAmerica and ABLEAmerica are nationwide plans sponsored by Commonwealth Savers.
The value of fixed income securities may be affected by changing interest rates and changes in credit ratings of the securities.
Although the target date portfolios are managed for investors on a projected retirement date time frame, the allocation strategy does not guarantee that investors' retirement goals will be met. Investment professionals manage the portfolio, moving it from a more growth-oriented strategy to a more income-oriented focus as the target date gets closer. The target date is the year that corresponds roughly to the year in which an investor is assumed to retire and begin taking withdrawals. Investment professionals continue to manage each portfolio for approximately 30 years after it reaches its target date. Payments consisting of return of capital will result in a decrease in an investor's fund share balance. Higher rates of withdrawal and withdrawals during declining markets may result in a more rapid decrease in an investor's fund share balance. Persistent returns of capital could ultimately result in a zero account balance. Investment professionals gradually adjust a college target date portfolio over time so that it becomes more preservation-oriented. The target date is the year that corresponds roughly to the year in which the beneficiary is expected to begin taking withdrawals. The allocation strategy does not guarantee that investors' education savings goals will be met. Investors and their financial professionals should periodically evaluate their investment to determine whether it continues to meet their needs.
Visit the SEC website for the money market fund's most recent filings.
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This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.