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Investment options in the MFS 529 plan
With an MFS 529 Savings Plan, you have a variety of investment choices plus three investment paths to take.

1. Age-based investment option

Automatically transfers your assets among four MFS® Asset Allocation Funds to take into account the approximate number of years the beneficiary has before entering college.

When you select the age-based investment approach, you do not have to worry about switching to a more conservative portfolio as the child approaches college age. It is automatically done for you. This option transfers your assets among four asset allocation funds that are designed to take into account the approximate number of years before your beneficiary starts college. Then, during the child’s college years, the assets are placed in a conservative bond fund. You will notice that the younger the child, the more aggressive the portfolio. That is because generally they have more time to ride out volatile markets. The principal value of the fund options are not guaranteed at any time. The assets will be exchanged automatically to a more conservative MFS Asset Allocation Fund as the designated beneficiary gets older. The funds' objectives and investment strategies change from one age-based model to another.

2. Built-in allocation approach

Offers you an easy way to follow a disciplined diversification investment approach by choosing the appropriate MFS Asset Allocation fund. These built-in allocation strategies automatically allocate, diversify, and rebalance.

3. Customized approach

Design a portfolio from a diversified list of 18 MFS mutual funds.
U.S. and international stock funds

Bond funds

Money market fund

MFS® Asset Allocation Funds

Funds are listed relative to one another within the MFS funds and are not meant to be compared with other portfolios or other types of investments. The three major factors taken into account when listing the portfolios from less aggressive to more aggressive are historical volatility, types of securities in the fund, and diversification permitted within the fund. See the prospectus for detailed explanations and each fund’s objective, policies, strategies, permitted investments, and risks. Keep in mind that all investments, including mutual funds, carry a certain amount of risk, including the possible loss of the principal amount invested.

The investments you choose should correspond to your financial needs, goals, and risk tolerance. For assistance in determining your financial situation, please consult an investment professional.

Diversification does not guarantee profit or protect against a loss.

The MFS® Savings Plan is a flexible college investing plan sponsored by the state of Oregon, acting by and through the Oregon 529 College Savings Board and is part of the Oregon 529 College Savings Network. MFS Fund Distributors, Inc. is the Program Manager. MFS 529 Savings Plan accounts are considered municipal fund securities.

Depending on your state of residence and the state of residence of the beneficiary, an investment in the MFS 529 Savings Plan may not afford you or your beneficiary state tax benefits or other benefits only available for investments in such state's qualified tuition program. See your tax advisor to be sure you understand the tax issues related to a 529 plan. Withdrawals of earnings not used to pay for qualified higher education expenses are subject to an additional 10% federal tax penalty. State taxes may also apply.

There is a $25 annual account fee associated with the MFS 529 Savings Plan. This annual fee is waived for Oregon residents and for those accounts with assets of $25,000 or more. Investments in 529 plans involve investment risks. You should consider your financial needs, goals, and risk tolerance prior to investing.

Before investing in the MFS 529 Savings Plan, consider the investment objectives, risks, charges, and expenses. For a prospectus or summary prospectus containing this and other information, as well as a Participant Agreement and Disclosure Statement and Expense Supplement, contact MFS or view online at mfs.com. Read it carefully.

MFS does not provide legal, tax, or accounting advice. Individuals should not use or rely upon the information provided herein without first consulting with their tax or legal professional about their particular circumstances. Any statement contained in this communication (or elsewhere on this web site) concerning U.S. tax matters was not intended or written to be used, and cannot be used, for the purpose of avoiding penalties under the Internal Revenue Code. This communication was written to support the promotion or marketing of the transaction(s) or matter(s) addressed.
©2013 MFS Investment Management®. MFS® registered investment products are offered through MFS Fund Distributors, Inc., 111 Huntington Avenue, Boston, MA 02199-7632.