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Three Higher Education Investment Strategies Tailored to Your Needs
Simple, flexible and smart, the Higher Education 529 Fund allows your investment to accumulate with federal taxes deferred until your student is ready to use it for college or graduate school.

Select from Years to Enrollment, Fixed or Individual Fund Portfolios that suit your investment style, goals and time horizon.

Years to Enrollment Portfolios

Years to Enrollment portfolios are built around the number of years until the student enters college. You can even choose a portfolio to match your investment-risk tolerance: aggressive, moderate or conservative. Take a look at the Years to Enrollment chart below. You’ll see that, through the years, the assets will be moved automatically into more moderate, and then more conservative, portfolios. This progression is designed to help reduce exposure to potential risk as your student approaches enrollment.

Fixed Portfolios

Fixed Portfolios let you invest in the asset type you choose—equities, bonds, or short-term government bonds and cash equivalents. With Fixed Portfolios, you can help reduce risk or help enhance potential returns by allocating your investment across one or more of the Fixed Portfolio strategy options.

An investment in the program is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the underlying money market fund seeks to maintain a net asset value of $1.00 per share, it is possible to lose money by investing in the fund.

Individual Fund Portfolios

Individual Fund Portfolios allow you and your financial professional to customize an asset allocation strategy. Select from stock, bond, global and international funds.

Risk Considerations

Each 529 Program Portfolio is subject to the risks of the underlying fund(s) in which it invests. The exact degree and nature of these risks will vary depending on the specific underlying fund(s) in which a 529 Program Portfolio invests. In general, an investment in an “aggressive” portfolio entails more risk than an investment in a “conservative” or “moderate” portfolio. Also, there are special risks that are inherent to international investing including those related to currency fluctuations, foreign political and economic events. For more risk information about the 529 Program Portfolios and the underlying funds in which they invest, see the Program Disclosure Statement.

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College Savings Calculator

The Higher Education 529 Fund "The Program" is sponsored by the State of Alabama and distributed by Van Kampen Funds Inc.

An investor should consider the investment objectives, risks, charges and expenses associated with the program before investing. All of this information, including risk factors and possible tax consequences, is listed in the Program Disclosure Statement. Please read it carefully before investing.

Van Kampen does not provide tax advice. The tax information contained herein is general and is not exhaustive by nature. It was not intended or written to be used, and it cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer under U.S. federal tax laws. Federal and state tax laws are complex and constantly changing. You should always consult your own legal or tax advisor for information concerning your individual situation.

If you and your beneficiary are not Alabama residents, consider whether your home state, or the home state of your designated beneficiary, offers a qualified tuition program that provides state tax or other benefits that are available only in your home state’s qualified tuition program.

The Higher Education 529 Fund is sponsored by the State of Alabama and is designed to be a Qualified Tuition Program under Section 529 of the Internal Revenue Code. The FDIC, the State of Alabama, the Treasurer of the State of Alabama, the Board of Trustees of the Program Trust Fund or any other federal or state governmental agency do not insure or guarantee accounts and investments under the program.

Van Kampen Funds Inc. is the underwriter for the program. The program is also offered through independent distributors that have entered into selling agreements with Van Kampen Funds Inc. Van Kampen Funds Inc. serves as an independent distributor for the program.

Not FDIC Insured—Offer Not Bank Guaranteed—May Lose Value
Not Insured By Any Federal Government Agency—Not A Deposit

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