Chet Account

Chet Account

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It's time to update your CHET account

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* The CHET Baby Scholars Program ("Baby Scholars" or "Baby Scholars Program") is a college savings incentive program available to Connecticut residents. For more information about the CHET Direct Plan or the Baby Scholars Program, visit the CHET website at www.aboutchet.com to view the Official Rules or call 1-888-799-CHET (2430).

Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results. Responses provided by the virtual assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. Fidelity does not guarantee accuracy of results or suitability of information provided.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
We're making it easier to manage your CHET account. See what's new:
To reach us by phone, we recommend calling while our education planning specialists are available, Monday–Friday from 8 a.m. to 9 p.m. ET at 888-799-CHET (2438) .
Now with Fidelity's program management, you get even more.
In February, all CHET accounts automatically moved from the previous program manager, TIAA, to Fidelity Investments. Fidelity was selected to be the new program manager for CHET because of the experience we can provide to help Connecticut families reach their education savings goals.
▢ REVIEW your investments and easily make changes.
▢ MANAGE it by setting up automatic contributions or moving money.
▢ PLAN with the tools in our Planning & Guidance Center.
You were mailed a CHET account profile letter from Fidelity, one for each account, which contained important information like account number and beneficiary. Keep your letter(s) on hand for the activation process.
At Fidelity, we have a long history of providing our clients with a wide range of high-quality products at a great value. The CHET program reflects our ongoing commitment to delivering exceptional value.
Your assets are invested in the Fidelity portfolio that most closely aligns with your prior investment goals. For example, TIAA's Age Band 0–4 portfolio was mapped to Fidelity's 2036 Blend Fund.
Learn about the available investment choices, IRS rules, and how to make changes.
View information on performance since inception (short-term) or average annual total returns.
Fees range from 0.05%–0.95%, depending on your investment strategy.
Review your standing investment allocations and update as needed.
Learn how your prior investments will be treated.
Note: Your CHET account number has been updated and is different from the account number you had with TIAA.
Access a library of courses, articles, and videos to learn more about planning and saving for college.
Access the Planning & Guidance Center to plan for college as part of this comprehensive financial tool.
Yes, if your employer offers direct deposit, you can add your 529 account as a destination account by using the direct deposit form from your employer. Or, you can provide Fidelity's form (PDF) to your employer.

The contributions are not pre-tax but they are deductible from Connecticut adjusted gross income in an amount not to exceed $5,000 for a single return or $10,000 for a joint return for that tax year. These limits apply on an aggregate basis (not a per beneficiary basis) to all contributions made to all CHET accounts during the tax year. Connecticut taxpayers may not claim a deduction for a rollover into a CHET account from a non-CHET account or for a transfer into a CHET account from a Coverdell education savings account.
Although payroll deduction is not available, you will have the option to set up direct deposit from your employer or establish automatic contributions from your bank account (e.g., checking or savings account) after you activate your updated CHET account.
After activating your CHET account, you'll need to provide the appropriate third party (bank or employer) with the updated routing number (101205681) and your updated CHET account number.
To set up scheduled distributions to institutions or the beneficiary, learn more about 529 withdrawals .
No, however, you will have the ability to add your bank information after activating your updated CHET account.
Yes, once your account has been activated at Fidelity, you can visit the CT Department of Revenue website Opens in a new window for more information. You'll have to file by mail to take advantage of this option for the 2021 tax year. To establish direct deposit, you'll need your Fidelity direct deposit/direct debit routing numbers and account numbers Log In Required .
Once you have activated your account at Fidelity, you will need to grant them trading authority or power of attorney. Visit the account access rights overview page for more information and instructions. For advisors looking for access to use Fidelity's platform and/or refer clients, please call 800-735-3756.
The CHET Baby Scholars program* provides $100 for future college costs for Connecticut residents that have babies less than a year old or adopted children before the first anniversary of the adoption. Here's how it works:
The CHET Advance Scholarship is an annual program offered by the Connecticut State Treasurer's Office to help Connecticut students pay for college.
In 2021, the CHET Advance Scholarship will be revamped in new and exciting ways. Stay tuned for more information on the CHET Advance Scholarship.
Previous recipients of the CHET Advance Scholarship with questions about their award can contact the International Scholarship & Tuition Services (ISTS) Program Support at 855-670-ISTS (4787).
Fidelity Investments has been selected as the new program and investment manager for the Connecticut Higher Education Trust (CHET) 529 College Savings Program.

888-799-CHET (2438)

Education planning specialists are available

Monday–Friday from 8 a.m. to 9 p.m. ET.
The Connecticut Higher Education Trust (CHET) 529 College Savings Plan - Direct Plan is offered by the Treasurer of the state of Connecticut and managed by Fidelity Investments. If you or the designated beneficiary is not a Connecticut resident, you may want to consider, before investing, whether your state or the beneficiary's home state offers its residents a plan with alternate state tax advantages or other state benefits such as financial aid, scholarship funds and protection from creditors.

Units of the portfolios are municipal securities and may be subject to market volatility and fluctuation.

Please carefully consider the plan's investment objectives, risks, charges, and expenses before investing. For this and other information on any 529 college savings plan managed by Fidelity, contact Fidelity for a free Fact Kit or view one online. Read it carefully before you invest or send money.
The third-party trademarks and service marks appearing herein are the property of their respective owners.
Fidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity cannot guarantee that the information herein is accurate, complete, or timely. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation.
Copyright 1998-2022 FMR LLC. All Rights Reserved.
Dedicated education planning specialists are available Monday–Friday from 8 a.m. to 9 p.m. ET at 888-799-CHET (2438) .
Para ayuda en español a tus preguntas acerca del plan, como funciona y las opciones de inversión disponibles, por favor llama al 888-799-2438 y uno de nuestros representantes con la ayuda de un traductor, estan disponibles para asistirte de lunes a viernes de 8 a.m. a 9 p.m. ET.
Descarga una solicitud para abrir una cuenta del plan de ahorros universitarios CHET y un paquete con los datos del plan.
Learn more about the investment options available for your CHET account.
Per IRS rules, you can only change current investments twice in a calendar year—or if you change the beneficiary—without incurring taxes. The conversion from TIAA did not count toward one of the two IRS-sanctioned exchanges. However, any exchanges taken at TIAA prior to February 5 do count toward the yearly limit. You can change the investment instructions for future contributions at any time.
For more information about making changes to current and future investments, read How to change your 529 plan's investment instructions .
Fidelity provides CHET account owners with a robust set of guidance tools, educational materials, education planning specialists, and an extensive array of funds, in addition to over 70 years of deep investing experience. You'll also be able to take advantage of:
If your CHET 529 plan is a trust account, you will not be able to activate your account online. The necessary forms will be mailed to you to complete for activation. You can also download the certification of trust as well as the paper application .
Fees vary, depending on your investment strategy :

0.11%–0.20% (Fidelity Index Funds)

0.40%–0.59% (Fidelity Blend)

0.26%–0.95% (Fidelity Funds)

0.05%–0.50% (Bank Deposit Portfolio)

For fee details, please view the CHET Fact Kit (PDF) , starting on page 26.
View information on the funds' short-term performance since inception date of February 2, 2021 (when the funds were established at Fidelity), or average annual total returns by month or by quarter. Portfolio composition , including underlying fund(s) and asset allocations, can be viewed online under the Compositions tab, or in the CHET Fact Kit (PDF) , starting on page 48.
Visit MSRB.org Opens in a new window for the most recent annual report.
If you had standing investment allocations at TIAA, your new allocations will be invested in the Fidelity portfolios that most closely align. If you did not have standing investment allocations at TIAA, we have established new ones for you based on your current portfolio allocation. Given that these will be used for all future contributions, please take a moment to review your investments Log In Required and update as needed prior to your next contribution.
Duplicate year-end statements for 2019 and 2020, 1099-Q forms for 2020, and 01/01/2021–02/05/2021 activity statements are now available to download.
CHET account owners will no longer be able to add new contributions to the TIAA PPIO. Please see our FAQs on the TIAA PPIO that explain your investment alternatives and how existing investments in the TIAA PPIO will be treated.

Overview

Investment options

FAQs

Log in

The Connecticut Higher Education Trust 529 College Savings Program
Per IRS rules, you can change current investments twice in a calendar year, and when you change the beneficiary. You can change the investment instructions for future deposits at any time.
How do you want your 529 investments managed?
Ready to get started?

Open a 529 account

CHET 529 Plan participants may not move or exchange money from the Stable Value Portfolio to the Bank Deposit Portfolio. Please carefully review your Portfolio selection before investing in the CHET 529 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.

Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results. Responses provided by the virtual assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. Fidelity does not guarantee accuracy of results or suitability of information provided.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
Sponsored by the Connecticut Office of the Treasurer and managed by Fidelity, this 529 plan is open to both residents and nonresidents.
The CHET 529 plan offers a range of investment options. Let us help you choose an option that makes sense for your situation.
Different investors have their own goals, risk-tolerance levels, and time horizons. A Fidelity managed 529 plan gives you multiple types of investment options to choose from. As a Connecticut resident, be sure to consider the state tax advantages and additional program benefits of a CHET 529 plan.
The following questions will help you decide the option that works best for you:
If you want a professionally managed portfolio that automatically adjusts the asset allocation based on your beneficiary's age—potentially lowering your investment risk the closer college gets—then an Age-Based portfolio might be right for you.
Do you prefer to choose your own mix of professionally managed portfolios that align to your risk tolerance or preferred investment exposure? Then selecting from Static or Individual Fund portfolios, which let you customize your investments, might be right for you.
Age-Based Portfolios are mapped to a beneficiary's year of birth and the approximate year the beneficiary is anticipated to start college. Each portfolio is managed with the asset allocation automatically becoming more conservative as the beneficiary nears college age. Select your beneficiary's birth year below to learn more about your Age-Based portfolio investment options.
While each age-based portfolio has the same investment objective: capital appreciation with reasonable safety of principle, each portfolio option offers you a choice of 3 investment strategies. Do you prefer more actively managed funds that attempt to beat benchmark market indices over the long term? Or perhaps you prefer low-cost index funds that closely mirror the performance of a composite of major market indices? Your third option: A combination of the two.
Fidelity Funds
Uses primarily actively-managed Fidelity mutual funds that attempt to beat benchmark indices
Fidelity Blend Funds
Uses a combination of actively-managed and index Fidelity mutual funds
Fidelity Index Funds
Uses low-cost index Fidelity mutual funds that mirror market indices
While each age-based portfolio has the same investment objective: capital appreciation with reasonable safety of principle, each portfolio option offers you a choice of 3 investment strategies. Do you prefer more actively managed funds that attempt to beat benchmark market indices over the long term? Or perhaps you prefer low-cost index funds that closely mirror the performance of a composite of major market indices? Your third option: A combination of the two.
Fidelity Funds
Uses primarily actively-managed Fidelity mutual funds that attempt to beat benchmark indices
Fidelity Blend Funds
Uses a combination of actively-managed and index Fidelity mutual funds
Fidelity Index Funds
Uses low-cost index Fidelity mutual funds that mirror market indices
While each age-based portfolio has the same investment objective: capital appreciation with reasonable safety of principle, each portfolio option offers you a choice of 3 investment strategies. Do you prefer more actively managed funds that attempt to beat benchmark market indices over the long term? Or perhaps you prefer low-cost index funds that closely mirror the performance of a composite of major market indices? Your third option: A combination of the two.
Fidelity Funds
Uses primarily actively-managed Fidelity mutual funds that attempt to beat benchmark indices
Fidelity Blend Funds
Uses a combination of actively-managed and index Fidelity mutual funds
Fidelity Index Funds
Uses low-cost index Fidelity mutual funds that mirror market indices
While each age-based portfolio has the same investment objective: capital appreciation with reasonable safety of principle, each portfolio option offers you a choice of 3 investment strategies. Do you prefer more actively managed funds that attempt to beat benchmark market indices over the long term? Or perhaps you prefer low-cost index funds that closely mirror the performance of a composite of major market indices? Your third option: A combination of the two.
Fidelity Funds
Uses primarily actively-managed Fidelity mutual funds that attempt to beat benchmark indices
Fidelity Blend Funds
Uses a combination of actively-managed and index Fidelity mutual funds
Fidelity Index Funds
Uses low-cost index Fidelity mutual funds that mirror market indices
While each age-based portfolio has the same investment objective: capital appreciation with reasonable safety of principle, each portfolio option offers you a choice of 3 investment strategies. Do you prefer more actively managed funds that attempt to beat benchmark market indices over the long term? Or perhaps you prefer low-cost index funds that closely mirror the performance of a composite of major market indices? Your third option: A combination of the two.
Fidelity Funds
Uses primarily actively-managed Fidelity mutual funds that attempt to beat benchmark indices
Fidelity Blend Funds
Uses a combination of actively-managed and index Fidelity mutual funds
Fidelity Index Funds
Uses low-cost index Fidelity mutual funds that mirror market indices
While each age-based portfolio has the same investment objective: capital appreciation with reasonable safety of principle, each portfolio option offers you a choice of 3 investment strategies. Do you prefer more actively managed funds that att
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