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Account Holders

Account Holders

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Keeping an eye on your investment—and your student’s future.

You’ve taken important steps towards preparing for your child’s higher education costs by opening a College Savings Plans of Maryland Account. Just like any financial investment, it’s important to monitor and make adjustments from time to time to make sure you’re on track to meeting your goals.

Fortunately, managing your account is easy. Get tips on monitoring your plan!

With changes in family, finances, and lifestyle, there are a number of things to consider:

How can I save more?

Monitor your Plan to see how you can save more and how it could add up over time.

Do I have the latest Account Holder Agreements?

Maryland Prepaid College Trust Disclosure Statement

Maryland College Investment Plan Disclosure Statement

Is my information up to date?

The following changes can be made to your account online:

Prepaid College Trust:

Change your name, address, and/or telephone number
Change your email address

College Investment Plan:

Change your name, address, and/or telephone number
Change your email address
Update the amount and/or contribution dates of an existing Automatic Monthly Contribution
Make a one-time contribution if your banking information is on file

Visit our Forms section if you wish to make a change other than those listed above.

How do I take a distribution or use benefits?

College Investment Plan Distributions

Prepaid College Trust Benefits

Privacy Policy

Read our Privacy Policy

Disclosure Statement

Please carefully read the Enrollment Kit which describes the investment objectives, risks, expenses, and other important information that you should consider before you invest in the Maryland 529 plans. The Enrollment Kit is available online or by calling 888.4MD.GRAD (463.4723). Also, if you or your beneficiary live outside of Maryland, you should consider before investing whether your state or your beneficiary's state offer state tax or other benefits for investing in its 529 plan.

*Morningstar analysts reviewed 63 plans for its 2016 ratings (10/25/16), of which 3 plans received a “Gold” rating and 10 plans received a “Silver” rating. Morningstar analysts reviewed 63 plans for its 2015 ratings (10/20/15), 64 plans for its 2014 ratings (10/21/14), 2013 ratings (10/22/13) and 2012 ratings (10/15/12), of which 4 plans received a "Gold" rating. To determine a plan's rating, Morningstar's analysts considered five factors: the plan's strategy and investment process; the plan's risk-adjusted performance; an assessment of the individuals managing the plan's investment options; the stewardship practices of the plan's administration and parent firm; and whether the plan's investment options are a good value proposition compared to its peers. Plans were then assigned forward-looking ratings of "Gold," "Silver," "Bronze," "Neutral," and "Negative." Each year, certain of the industry's smallest plans are not rated. Morningstar analysts reviewed 58 plans for its 2011 survey, of which 6 plans received a "Top" rating, and 52 plans for its 2010 survey, of which 5 plans received a "Top" rating. Ratings for each plan were based on five factors: the quality of the underlying investment options; performance of those options; the skill of the managers of those options; the costs associated with each plan; and the stewardship practices of each plan's program manager. Plans were then assigned ratings of "Top," "Above Average," "Average," "Below Average," and "Bottom." To earn a "Top" rating, a plan must be best-in-class across all five areas.

Analyst Ratings are subjective in nature and should not be used as the sole basis for investment decisions. Analyst Ratings are based on Morningstar analysts' current expectations about future events and therefore involve unknown risks and uncertainties that may cause Morningstar's expectations not to occur or to differ significantly from what was expected. Morningstar does not represent its Analyst Ratings to be guarantees.

Please carefully read the Enrollment Kit which describes the investment objectives, risks, expenses, and other important information that you should consider before you invest in the College Savings Plans of Maryland. The Enrollment Kit is available online or by calling 888.4MD.GRAD (463.4723). Also, if you or your beneficiary live outside of Maryland, you should consider before investing whether your state or your beneficiary's state offer state tax or other benefits for investing in its 529 plan.

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