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The UNIQUE College Investing Plan

Sponsored by the state of New Hampshire and managed by Fidelity, this 529 plan is open to both residents and nonresidents.

Open a 529 account

Tax advantages

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

Flexible use of funds

Use the funds for a wide range of college expenses at accredited schools nationwide—plus tuition expenses for K-12th grade, certain apprenticeship costs, and student loan repayments.¹

Many investment choices

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

College gifting service

Friends and family can send gifts directly to your 529 with our free, online college gifting service. Gifters don't need a Fidelity account.

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

What is a 529 plan?

This tax-advantaged education savings account could help you hit your college savings goals. There's no annual account fee and no income restrictions.

Morningstar silver rating logo

The UNIQUE College Investing Plan received Morningstar's 2024 Silver Rating.³

Read Morningstar's 529 industry report

Tax advantages
Earnings	Any earnings grow federal income tax-deferred.
Withdrawals	Qualified withdrawals are free from both federal income tax and New Hampshire interest and dividends taxes.
Account details
Account maximum	$596,925 per beneficiary⁴
Investment expenses	Fees vary, depending on your investment strategy: 0.47%–0.95% (Fidelity Funds) 0.10%–0.14% (Fidelity Index Funds) 0.40%–0.60% (Fidelity Blend) 0.05%–0.50% (Bank Deposit Portfolio)
Plan performance	View information on the funds' short-term performance, or average annual total returns by month or by quarter. Download the annual report (PDF)
Additional resources
Plan application & fact kit	Download the application and supporting documents.

Consider these tips from Fidelity customers who found easy ways to ask their family and friends to consider gifting to their 529 on gift-giving occasions.

Open a 529 account

Find out what you'll need before you open an account

Already have a 529 account? Fund your accountLog In Required

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.

Are you on track?

Anyone can use our college savings calculator to figure out how much to save each month. Login or become a member to create a personalized savings planLog In Required and track your progress.

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.

Questions?

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UNIQUE Plan Fee and Expense Structure as of 1/2/2024: 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
NH Portfolio 2042 (Fidelity Funds)	0.67%	0.07%	0.10%	N/A	0.84%	N/A
NH Portfolio 2039 (Fidelity Funds)	0.64%	0.07%	0.10%	N/A	0.82%	N/A
NH Portfolio 2036 (Fidelity Funds)	0.61%	0.07%	0.10%	N/A	0.79%	N/A
NH Portfolio 2033 (Fidelity Funds)	0.58%	0.07%	0.10%	N/A	0.76%	N/A
NH Portfolio 2030 (Fidelity Funds)	0.55%	0.07%	0.10%	N/A	0.73%	N/A
NH Portfolio 2027 (Fidelity Funds)	0.50%	0.07%	0.10%	N/A	0.68%	N/A
NH Portfolio 2024 (Fidelity Funds)	0.44%	0.07%	0.10%	N/A	0.62%	N/A
NH College Portfolio (Fidelity Funds)	0.43%	0.07%	0.10%	N/A	0.60%	N/A
NH Aggressive Growth Portfolio (Fidelity Funds)	0.78%	0.07%	0.10%	N/A	0.95%	N/A
NH Moderate Growth Portfolio (Fidelity Funds)	0.67%	0.07%	0.10%	N/A	0.84%	N/A
NH Conservative Portfolio (Fidelity Funds)	0.30%	0.07%	0.10%	N/A	0.47%	N/A
NH Stable Value Portfolio	0.45%	0.07%	0.01%	N/A	0.53%	N/A

UNIQUE College Investing Plan Participants may not move or exchange money from the NH Stable Value Portfolio to the NH Bank Deposit Portfolio. Please carefully review your Portfolio selection before investing in the UNIQUE College Investing 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, 2024 and the Portfolio Management Fees associated with the Portfolio as of January 2, 2024, 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 33. Individual Fund Portfolios (as defined on page 12) 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 26 of the UNIQUE 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 2023. Please go to www.fidelity.com/unique 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 UNIQUE Plan.

3. The "State Assessment" (formerly known as "State Fee") is the percentage of net assets retained by the Trust.

4. The "Miscellaneous Fee" represents any other type of fee or expense imposed by the UNIQUE Plan.

5. The "Total Annual Asset-Based Fee" illustrates the total fees assessed against net assets annually. Please refer to the "Hypothetical $10,000 Investment Cost Chart" on page 37 of 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 UNIQUE Plan does NOT assess an annual account maintenance fee.

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UNIQUE Plan Fee and Expense Structure as of 1/2/2024: 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
NH Portfolio 2042 (Fidelity Index)	0.05%	0.04%	0.05%	N/A	0.14%	N/A
NH Portfolio 2039 (Fidelity Index)	0.05%	0.04%	0.05%	N/A	0.14%	N/A
NH Portfolio 2036 (Fidelity Index)	0.05%	0.04%	0.05%	N/A	0.14%	N/A
NH Portfolio 2033 (Fidelity Index)	0.05%	0.04%	0.05%	N/A	0.14%	N/A
NH Portfolio 2030 (Fidelity Index)	0.05%	0.04%	0.05%	N/A	0.14%	N/A
NH Portfolio 2027 (Fidelity Index)	0.05%	0.04%	0.05%	N/A	0.14%	N/A
NH Portfolio 2024 (Fidelity Index)	0.05%	0.04%	0.05%	N/A	0.14%	N/A
NH College Portfolio (Fidelity Index)	0.05%	0.04%	0.05%	N/A	0.14%	N/A
NH Aggressive Growth Portfolio (Fidelity Index)	0.04%	0.04%	0.05%	N/A	0.13%	N/A
NH Moderate Growth Portfolio (Fidelity Index)	0.04%	0.04%	0.05%	N/A	0.13%	N/A
NH Conservative Portfolio (Fidelity Index)	0.04%	0.04%	0.05%	N/A	0.13%	N/A
NH Intermediate Treasury Index Portfolio	0.03%	0.04%	0.05%	N/A	0.12%	N/A
NH International Index Portfolio	0.05%	0.04%	0.05%	N/A	0.14%	N/A
NH Fidelity 500 Index Portfolio	0.02%	0.04%	0.05%	N/A	0.11%	N/A
NH Total Market Index Portfolio	0.01%	0.04%	0.05%	N/A	0.10%	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, 2024 and the Portfolio Management Fees associated with the Portfolio as of January 2, 2024, which are paid to the Program Manager. Individual Fund Portfolios (as defined on page 12) 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 27 of the UNIQUE 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 2023. Please go to www.fidelity.com/unique 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 UNIQUE Plan.

3. The "State Assessment" (formerly known as "State Fee") is the percentage of net assets retained by the Trust.

4. The "Miscellaneous Fee" represents any other type of fee or expense imposed by the UNIQUE Plan.

5. The "Total Annual Asset-Based Fee" illustrates the total fees assessed against net assets annually. Please refer to the "Hypothetical $10,000 Investment Cost Chart" on page 38 of 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 UNIQUE Plan does NOT assess an annual account maintenance fee.

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UNIQUE Plan Fee and Expense Structure as of 1/2/2024: Blend

Portfolio	Estimated Underlying Fund and Management Expenses¹	Program Manager Fee²	State Fee³	Miscellaneous Fee⁴	Total Annual Asset-Based Fee⁵	Annual Account Maintenance Fee⁶
NH Portfolio 2042 (Blend)	0.48%	0.05%	0.07%	N/A	0.60%	N/A
NH Portfolio 2039 (Blend)	0.45%	0.05%	0.07%	N/A	0.57%	N/A
NH Portfolio 2036 ;(Blend)	0.43%	0.05%	0.07%	N/A	0.55%	N/A
NH Portfolio 2033 (Blend)	0.40%	0.05%	0.07%	N/A	0.52%	N/A
NH Portfolio 2030 (Blend)	0.37%	0.05%	0.07%	N/A	0.49%	N/A
NH Portfolio 2027 (Blend)	0.33%	0.05%	0.07%	N/A	0.45%	N/A
NH Portfolio 2024 (Blend)	0.29%	0.05%	0.07%	N/A	0.41%	N/A
NH College Portfolio (Blend)	0.28%	0.05%	0.07%	N/A	0.40%	N/A
NH Sustainable Multi-Asset	0.56%	0.05%	0.07%	N/A	0.68%	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, 2024 and the Portfolio Management Fees associated with the Portfolio as of January 2, 2024, 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 33. Individual Fund Portfolios (as defined on page 12) 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 26 of the UNIQUE 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 2023. Please go to www.fidelity.com/unique 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 UNIQUE Plan.

3. The "State Assessment" (formerly known as "State Fee") is the percentage of net assets retained by the Trust.

4. The "Miscellaneous Fee" represents any other type of fee or expense imposed by the UNIQUE Plan.

6. The "Annual Account Maintenance Fee" is the annual fee deducted from an account balance each year. The UNIQUE Plan does NOT assess an annual account maintenance fee.

908750.12.0

UNIQUE Plan Fee and Expense Structure as of 1/2/2024: Bank Deposit Portfolio

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

3. The "State Assessment" (formerly known as "State Fee") is the percentage of net assets retained by the Trust.

4. The "Miscellaneous Fee" represents any other type of fee or expense imposed by the UNIQUE 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 2. Please refer to the "Hypothetical $10,000 Investment Cost Chart" on page 39 of the fact kit to review the impacts 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 UNIQUE Plan does NOT assess an annual account maintenance fee.

908750.12.0

The UNIQUE College Investing Plan

Plan details

Investment options

FAQs

529 overview

Why invest in a 529 college savings plan with Fidelity?

Tax advantages

Account details

Additional resources

How to ask for gifts to a 529 account

Learn more

Hablamos español

Get in touch

UNIQUE Plan Fee and Expense Structure as of 1/2/2024: Fidelity Funds

UNIQUE Plan Fee and Expense Structure as of 1/2/2024: Fidelity Index Funds

UNIQUE Plan Fee and Expense Structure as of 1/2/2024: Blend

UNIQUE Plan Fee and Expense Structure as of 1/2/2024: Bank Deposit Portfolio

Mutual Funds and Mutual Fund Investing - Fidelity Investments

The UNIQUE College Investing Plan

Plan details

Investment options

FAQs

529 overview

Why invest in a 529 college savings plan with Fidelity?

Tax advantages

Account details

Additional resources

How to ask for gifts to a 529 account

Learn more

Hablamos español

Get in touch