Savingforcollege.com Unveils Top Trends in 529 Plans
Savingforcollege.com Unveils Top Trends in 529 Plans
Pittsford, NY (PRWEB) October 28, 2011
With Section 529 college-savings plans resuming a growth trajectory in the wake of 2008’s market downturn, several trends have taken hold among the states that administer these programs, according to Savingforcollege.com, an independent think tank and leading information resource on 529 plans and other ways to save and pay for college. Here are the top four trends:
Lower fees and expenses
Competition among investment firms seeking to manage 529 program assets has led to aggressive fee cutting, benefitting the participants in these plans. Based on Savingforcollege.com’s semi-annual 529 Fee Study, the total ten-year cost of a $ 10,000 investment in a 529 plan’s least expensive option has dropped by one-third, on average, over the last four years, decreasing from $ 862 in August 2007 to $ 570 in August of this year. These figures include not only program manager fees and annual account maintenance fees, but underlying mutual fund expenses as well.
“Fees and expenses started dropping back in 2003, but it’s only been since 2007 when OppenheimerFunds took over in Illinois that we’ve seen a real ‘race to the bottom’ among the larger 529 plans,” according to Joe Hurley, founder of Savingforcollege.com. “Some in the 529 industry are saying fees in the lowest-cost plans have gone about as low as they can possibly go, and I tend to agree with that unless, of course, the states begin subsidizing their program operations.”
Increased risk management
The battering suffered by many 529 plan accounts during 2008 and early 2009 has caused states and their investment managers to look for new investment options like bank CDs and savings accounts that can better protect investor capital. They are also making adjustments to existing age-based investment options to hold up better in market downturns.
“Before 2008, FDIC-insured bank products were available through only five states: Arizona, Hawaii, Montana, Ohio, and Virginia,” says Hurley. “Now you can find them in 16 states.” Hawaii no longer offers an FDIC-insured option in its 529 plan.
Furthermore, says Hurley, many 529 plans now offer more than one age-based investing track. A very conservative investor in one of these plans might select the track that shifts completely out of the stock market by the time their child leaves high school, while a more aggressive investor might select the track that stays partially invested in stocks right through college.
Rhode Island has recently announced a volatility management feature in the age-based investment option in its CollegeBoundfund 529 plan, providing investment managers from AllianceBernstein with limited discretion to ratchet down the allocation to stocks whenever market conditions warrant. Utah now allows its 529 plan participants to create their own customized age-based tracks.
Index funds and ETFs
Index funds have become commonplace in the direct-sold 529 plans in recent years, primarily due to the lower expenses in index funds as compared to actively-managed mutual funds. Most states have turned to Vanguard for its index funds but other fund companies including Fidelity, TIAA-CREF, and T. Rowe Price have placed their own index funds within the 529 plans they manage. Most advisor-sold 529 plans still use actively-managed funds in their portfolios, although the iShares 529 Plan sponsored by Arkansas is a program available through financial planners that features a lineup of indexed exchange traded funds (ETF).
Multi-manager investment portfolios
Several states using actively-managed funds in their 529 plan portfolios have changed their investment platforms from single-manager to multi-manager in the belief that investors are seeking greater diversification in plan offerings, and that the ability to select “best of breed” investment managers can lead to better returns. Fidelity Investments has recently added a multi-manager age-based option in four of the states where it manages 529 plans; TIAA-CREF has turned to a multi-manager approach for the plans in Connecticut and Oregon and will do so when it takes over the California plan this year; and OppenheimerFunds-managed plans in New Mexico and Texas are now on multi-manager platforms.
About half of advisor-sold 529 plans are multi-manager while the other half remain single-manager plans.
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Categories: options trades Tags: Plans, Savingforcollege.com, Trends, Unveils
The Lumina 2 Banner Stand Light Now Available at DPSBanners.com
The Lumina 2 Banner Stand Light Now Available at DPSBanners.com
Glendale, California (PRWEB) October 28, 2011
Digital Pre Press Services, Inc. announces its latest addition to its banner stand and sign site, DPSBanners.com. This new product falls into the banner stand light category and has an official name of Lumina 2 Banner Stand Light.
Digital Pre Press Services, Inc. made the decision to include the Lumina 2 banner stand light on the site as another option due to its design and low voltage bulb option. The new banner stand light uses an MR16, 50 watt bulb which works great for high output and less energy consumption.
The Lumina 2 banner stand light also incorporates many of the design aspects that professionals look for when utilizing lights on their banner stand displays. Banner stand lights should be seamlessly integrated into the display, not stand out and take the focus off of the graphic. The Lumina 2 does an excellent job of providing the light that is needed without stealing the show. Its slim-lined, clean appearance simply flows with the banner stand display rather than look like a single unit.
In addition to its look and output function, this banner stand light is also highly versatile in its stand range. The light can fit on any standard retractable banner stand.
Trade show professionals, retail stores, vendors and more can all benefit from the Lumina 2 banner stand light. As competition grows among companies vying for consumer’s attention, additional display options such as banner stand lights are becoming a standard rather than the exception.
For additional information regarding the Lumina 2 banner stand light kit or any products Digital Pre Press Services, Inc. offers, please visit http://www.DPSBanners.com.
About Digital Pre-Press Services, Inc.:
Founded in 1996, Digital Pre-Press Services, Inc. is visible online at DPSBanners.com and on location in Glendale, California. The company provides simple, affordable and professionally designed banners that can be personalized and customized exclusively online. Through the site, DPS has a wide array of products including banner stands, window clings, car magnets, retractable banner stands, sidewalk signs, pre-designed banners and more.
Contact:
Digital Pre-Press Services, Inc.
Toll Free (888) 790-2665
Local (818) 240-2004
Fax (818) 240-3456
http://www.dpsbanners.com
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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Categories: options trades Tags: available, Banner, DPSBanners.com, Light, Lumina, Stand
Author Learning Center Interviews ?America?s Greatest Marketer? Seth Godin
Author Learning Center Interviews “America’s Greatest Marketer” Seth Godin
Bloomington, IND (PRWEB) October 27, 2011
Author Learning Center, the premier online author education resource for writers engaged in any stage of the story development or book marketing process, today announced Seth Godin, Squidoo founder, blogger and the author of 13 best-selling professional marketing and business strategy books, will be featured on the site.
“Seth Godin: On Traditional and Indie Publishing,” is the first of several videos featuring Godin that examine book-marketing strategies and the challenges authors most often encounter when promoting and selling their work. In this first video, Godin reflects on his experiences with rejection as a first-time author and the expectations authors should have when they choose how to publish through either a self-publishing or traditional option.
With experience as both a traditionally published and a self-published author, Godin provides a unique perspective on the advantages of each publishing opportunity. Interestingly, Godin is one of many traditionally published authors who have opted to self-publish some of their newer books because of the creative control, faster go-to-market and higher royalties authors enjoy. To watch the video, click here: https://www.authorlearningcenter.com/videos/on-traditional-and-indie-publishing-video
“It is our mission to provide the most helpful information and advice for authors engaged in any stage of the book writing or marketing process,” said Keith Ogorek, senior vice-president of marketing at Author Solutions, Inc. “As an author, Seth Godin’s marketing and blogging expertise is uniquely suited for the Author Learning Center. He understands the challenges writers face as well as anyone, and we believe our members will find his insights extremely beneficial.
The Squidoo founder and world-renowned blogger joins Marvel co-founder, Stan Lee, as one of many A-list authors interviewed by the Author Learning Center. Over the next few months, new content will be available from other publishing industry leaders including Mitch Albom, Elmore Leonard and Victor Villasenor.
The Author Learning Center’s full catalog and book development features are available on a yearly subscription basis for $ 149.00. Free, limited guest access is also available. For more information or to claim a free trial subscription please visit http://www.authorlearningcenter.com.
About Author Learning Center:
Established in 2011, Author Learning Center is a first-of-its-kind educational resource for authors engaged in any stage of the book writing and book marketing process. The subscription-based web community offers a comprehensive range of content and services from leading authors and publishing industry experts. Follow us @authorlearning on Twitter.
About Author Solutions, Inc.
Author Solutions, Inc. (ASI) is owned by Bertram Capital and is the world leader in indie book publishing. ASI’s leading self-publishing imprints—AuthorHouse, AuthorHouse UK, iUniverse, Palibrio, Trafford Publishing and Xlibris —have helped more than 90,000 authors self-publish, promote, and bring to market more than 140,000 new titles. Through strategic alliances with leading trade publishers, ASI is making it possible to develop new literary talent efficiently and provide authors a platform for bringing their books to market. Headquartered in Bloomington, Indiana, ASI’s global reach includes imprints developed specifically for authors in Australia, New Zealand, and the United Kingdom. For more information, visit authorsolutions.com, and follow us @authorsolutions on Twitter for the latest news.
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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