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What are the basics of 529s?

  • 529 basics
  • Tax law changes
  • Saving early matters
  • Cost of college
  • The value of a degree
  • Articles to help you save

Why choose MOST 529?

  • MOST 529 benefits
  • MOST 529 tax benefits
  • MOST 529, Vanguard, DFA, & Ascensus

Which investments should I choose?

  • What type of investor are you?
  • Age-based options
  • Individual portfolios
  • Investing for K–12 goals
  • 9 sample portfolios
  • Prices and performance
  • How do I get started?
  • 529facts
  • 20th Anniversary
  • Open an account
  • Tools & resources
  • FAQs
  • Forms
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  • Open an account
  • Tools & resources
  • FAQs
  • Forms
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  • What are the
    basics of 529s?
    • 529 basics
    • Tax law changes
    • Saving early matters
    • Cost of college
    • The value of a degree
    • Articles to help you save
  • Why choose
    MOST 529?
    • MOST 529 benefits
    • MOST 529 tax benefits
    • MOST 529, Vanguard, DFA, & Ascensus
  • Which investments
    should I choose?
    • What type of investor are you?
    • Age-based options
    • Individual portfolios
    • Investing for K–12 goals
    • 9 sample portfolios
    • Prices and performance
  • How do I
    get started?
  • 529facts

What's new at MOST

See what's been going on with the MOST 529 Plan.

Important plan information

Improvements for 529 plans with PATH Act of 2015

Recent press releases

Treasurer Clint Zweifel announces new five-year management agreement saving MOST 529 investors millions

State Treasurer Clint Zweifel presents Camdenton family with a $5,290 MOST account

State Treasurer announces second straight year of successful MOST 529 Matching Grant Program

State Treasurer announces MOST 529 College Savings Month contest winners

Open an account

We're here to help

Talk with one of our education savings specialists.

Call 888-414-6678

Monday through Friday
7 a.m. to 8 p.m., Central time

Related items

  •  FAQs

    Getting started

    Managing your account

    Other common questions

    Plan updates

  •  Articles

    Learn more on a variety of college savings topics

  •  Tools

    How much do I need to save? Opens in a new window

    How much could college cost in the future? Opens in a new window

  • What are the basics of 529s?
  • 529 basics
  • Saving early matters
  • Cost of college
  • The value of a degree
  • Articles to help you save
  • Why choose MOST 529?
  • MOST 529 benefits
  • MOST 529 tax benefits
  • MOST 529, Vanguard, DFA, & Ascensus
  • Which investments should I choose?
  • What type of investor are you?
  • Age-based options
  • Individual portfolios
  • Investing for K–12 goals
  • 9 sample portfolios
  • Prices and performance
  • How do I get started?
  • Tools & resources
  • FAQs
  • Forms
Contact usPrivacy policyMissouri State Treasurer’s Office websiteObtain Program DescriptionVanguard, DFA & AscensusSecurityBusiness contingency plan

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For more information about MOST — Missouri's 529 Education Plan, download a Program Description, Privacy Policy, and Participation Agreement or request one by calling 888-414-MOST. Investment objectives, risks, charges, expenses, and other important information are included in this document; read and consider it carefully before investing. 

If you are not a Missouri taxpayer, consider before investing whether your or the designated beneficiary's home state offers any state tax or other benefits that are only available for investments in such state's qualified tuition program. Other state benefits may include financial aid, scholarship funds, and protection from creditors.

Missouri taxpayers can use MOST 529 assets to pay for K-12 tuition at public, private, and religious institutions, with no Missouri state tax consequences. State tax treatment of K-12 withdrawals is determined by the state where the taxpayer files state income tax. If you're not a Missouri taxpayer, please consult with a tax advisor.

Federal legislation allows rollovers from 529 plans to Achieving a Better Life Experience (ABLE) accounts without incurring federal taxes up to the annual ABLE contribution limit. Missouri statute may allow for rollovers of MOST 529 assets to ABLE accounts without Missouri state tax consequences. We suggest MOST 529 account owners who are residents of other states consult with a tax advisor about their state laws.

The Missouri Education Savings Program (the "Program Trust") is a trust created by the State of Missouri. When you invest in MOST-Missouri's 529 Education Plan (the "Plan"), you are purchasing portfolio units issued by the Program Trust. Portfolio units are municipal securities. The Plan has been implemented and is administered by the Missouri Education Savings Program Board (the "Board"). Ascensus College Savings Recordkeeping Services, LLC, serves as the Program Manager and Recordkeeping and Servicing Agent, and together with its affiliates, has overall responsibility for the day-to-day operations of the Plan, including administrative services and marketing. The Vanguard Group, Inc., serves as Investment Manager for the Plan. The Plan's portfolios, although they invest in mutual funds, are not mutual funds.

Investment returns are not guaranteed, and you could lose money by investing in the Plan. Participants assume all investment risks, including the potential for loss of principal, as well as responsibility for any federal and state tax consequences.

Upromise and the Upromise logo are registered service marks of Upromise, Inc. The Vanguard logo is a registered trademark of The Vanguard Group, Inc. Ugift is a registered service mark of Ascensus Broker Dealer Services, LLC.

© 2020 State of Missouri.