Insurance: Auto, Home, Life & More
- Tools & Advice
- Common Insurance Questions
- Auto Insurance Discounts
- Learning Center
- Home Inventory Checklist
- Life Insurance Calculator
- Identity Protection
- Quick Links
- Get Insurance Quotes
- Find an Agent
- Manage Your Policy
- Make a Payment
- Payment Options
- Claims Center
- Repair Facility Locator
- Welcome Center
Mutual Funds: Save, Invest & Plan
- Start Planning
- General Investing
- Education Savings
- Retirement Accounts
- Small Business Plans
- Rollovers & Transfers
- Fund Information
- Life Path® Funds
- Stock & Index Funds
- Bond & Money Market Funds
- Fund Performance
- Fund Prices
- Fund Selection Tool
- Quick Links
- Open an Account
- Manage Your Account
- Investing Resources
- Forms & Downloads
- Account Help
- Find an Agent
- Contact Us
State Farm BankĘ Full Service Financial
- Tools & Resources
- Online Banking
- Mobile Banking
- Banking By Phone
- Financial Calculators
- News & Updates
- Security Information & Alerts
Learn about some of the basic features of investing in mutual funds.Learn More
Becoming familiar with the different mutual fund types will help you select the funds appropriate for your personal financial situation.Learn More
When people think of investing, they may immediately think of investing for retirement. While a financial strategy should include investing for retirement, there are other pieces of the puzzle to consider.Learn More
If you invest in stocks or own shares in a mutual fund that invests mainly in stocks, you probably have an interest in what the market is doing. But what exactly do people mean when they talk about the market?Learn More
No one can predict the up and down fluctuation of a volatile market. However, focusing on your original long-term investment objective can help ease your mind while investing.Learn More
Dollar-cost averaging is one way to smooth out the effect of market fluctuation on the cost of an investment and occurs when investors make contributions to their account on a regular basis.Learn More
Two terms youll hear when looking for an investment strategy are diversification and asset allocation. While they may have similar meanings, they are different approaches to investing.Learn More
One of the ways an investment in mutual funds may grow is through compounding. Compounding occurs when the funds earnings and/or dividends are reinvested in the fund.Learn More
Before you spend your hard-earned money on a product or service, you like to know what youll be getting. The same holds true when youre investing in a mutual fund. The prospectus will give you the information you need about a particular fund before agreeing to write a check.Learn More
Teaching children or grandchildren a few simple lessons about saving and investing can start them off in the right direction toward a secure financial future. It can be as easy as 1, 2, 3...Learn More
One of the advantages of investing in a mutual fund is the ability to purchase and redeem shares on any day the market is open. Learn about a couple of transactions may not be in your best interest.Learn More
Whether youre managing your career, running the kids to events, maintaining the home, or all of these at once, life is busy. So its easy to understand why sending a check to fund your IRAs or college savings account throughout the year can fall through the cracks.Learn More
The cost of college is rising, and the earlier you start a plan, the more equipped you'll be to help your child earn an education with little or no debt. Don't know where to begin? Start here.Learn More
There are a number of ways to save money for your childs education. Two of the more popular are the Coverdell Education Savings Account (ESA) and state-sponsored College Savings Plans commonly referred to as 529 plans.Learn More
In 1996, Congress added section 529 to the Internal Revenue Code to allow for the creation of state-sponsored College Savings Plans. Participants in these plans may be able to take advantage of tax breaks while saving for a child's future education.Learn More
The State Farm College Savings Plan®, sponsored by the state of Nebraska, helps make college investing simple, affordable, and convenient.Learn More
Unlike other education savings plans that can only be used for college expenses, the Coverdell ESA was created to give you a way to save for a childs complete education.Learn More
The UGMA/UTMA account allows someone to make gifts or transfers of property to a minor without setting up a trust. This may be an appropriate option for funding a college education.Learn More
As parents and grandparents, we want to provide our children with the best possible future we can. Its never too early to begin saving for a childs future college education.Learn More
Many of the benefits of education and a lifelong pursuit of learning are intangible, but an education can also pay big dividends in terms of future earning power.Learn More
While childcare expenses may be unavoidable in two-income households, it can represent a significant increase in discretionary income once the child begins elementary school and a great opportunity for reinvestment. Learn about a couple of investment options that can help you accumulate funds to help pay future education expenses.Learn More
If youre like most parents, you want to provide your children ample opportunities to excel in life. One way for a child to become prepared for such opportunities is by obtaining a college education.Learn More
Selecting The Right Funds
To answer this question, you first need to determine your risk tolerance level. Risk is the amount of volatility and uncertainty you're willing to accept from an investment as you seek your financial goals.Learn More
There are many investments that you can choose as you work toward your financial goals from individual stocks and bonds to mutual funds. Understanding the differences is the key to making informed decisions about your investment plan.Learn More
How do LifePath® Funds change over time? Learn more about how the investment mix changes to reflect the changing risk tolerance for each stage of your life.Learn More
If your goal is long-term appreciation of your investment, there are six funds in the State Farm Mutual Fund Trust that could fit within your plan.Learn More
Review funds that generate income in the form of interest and dividends from the bonds or money market securities held in their portfolios.Learn More
Use our Fund Selection Tool to help you choose the funds that are right for you.
Whether youre retired or just in the planning stages, State Farm can help.Learn More
Its likely that youll need at least 70 to 80 percent of your pre-retirement income to maintain your standard of living during retirement. Let us help you estimate how much youll need.Learn More
Visit the IRA Learning Center to review your IRA account options.Learn More
A traditional Individual Retirement Account (IRA) gives you a way to save that lets your funds grow tax deferred.Learn More
A Roth Individual Retirement Account (IRA) gives you a way to save that lets your funds grow tax deferred and, if certain requirements are met, can be withdrawn tax free.Learn More
A spousal Individual Retirement Account (IRA) allows a lower-compensated spouse to take advantage of the tax savings offered by an IRA. A spousal IRA may be set up as a Traditional IRA or as a Roth IRA.Learn More
Offering retirement plans is an excellent way to attract and retain valuable employees. State Farm makes helping your employees plan for retirement easy.Learn More
Before investing, consider the investment objectives, risks, fees, and expenses associated with The State Farm College Savings Plan. Contact State Farm VP Management Corp (1-800-447-4930) for an Enrollment Handbook and Participation Agreement containing this and other information. Read it carefully.
An investor should consider, before investing, whether the investors or designated beneficiarys home state offers any state tax or other benefits that are only available for investments in such states qualified tuition program.
Investing involves risk, including potential for loss.
LifePath Funds are target-date portfolios whose investment objectives are adjusted over time to be more conservative as the target date (date the investor plans to start withdrawing their funds) approaches. The principal value of the fund(s) is not guaranteed at any time, including at the target date.
Diversification and asset allocation do not assure a profit or protect against loss.
Dollar-cost averaging does not assure a profit or protect against loss.
More information on the four Nebraska 529 plans can be found at the Nebraska State Treasurers website.
A 10 percent tax penalty may apply for withdrawals from tax-qualified products before age 59½.Additional Disclosures
Mutual Funds Disclosures
Before investing, consider the funds' investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp (1-800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully.
Automatic investment plans do not assure a profit or protect against loss.
Neither State Farm nor its agents provide investment, tax, or legal advice.
It is not possible to invest directly in an index.
State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products.
As of June 2nd, 2010, additional fees may apply to certain accounts with balances less than $5000.
Each State Farm LifePath Fund invests all of its assets in a corresponding LifePath Master Portfolio under a master/feeder structure. BlackRock Fund Advisors (BFA) is the investment advisor to the LifePath Master Portfolios. State Farm Investment Management Corp. (SFIMC) is the investment advisor to the State Farm LifePath Funds. State Farm VP Management Corp. (SFVPMC) is the distributor of the State Farm LifePath Funds. Neither SFIMC or SFVPMC, or their affiliates, are affiliated with BFA or its affiliates.
BlackRock Investors Services (BIS) provides marketing support to the LifePath Master Portfolios. BFA and BIS are wholly owned subsidiaries of BlackRock Institutional Trust Company, N.A. (BTC). Neither BTC or its affiliates are affiliated with State Farm. BTC is located at 400 Howard Street, San Francisco, CA 94105.
BlackRock Fund Advisors (BFA) is the investment sub-advisor to the S&P 500 Index Fund.
Ascensus provides recordkeeping and administrative services for retail 401(k) retirement plans offered by State Farm Investment Management Corp.
Net Asset Value (NAV) is calculated by adding all of the assets of a Fund, subtracting the Fund's liabilities, then dividing by the number of outstanding shares.
The Russell 2000 Index tracks the common stock performance of the 2,000 smallest U.S. companies in the Russell 3000 Index.
The Russell 2500 Index tracks the 2,500 smallest companies in the Russell 3000 Index.
The Russell 1000 Index is a stock market index that represents the highest-ranking 1,000 stocks in the Russell 3000 Index.
The Russell Midcap Index measures the performance of the mid-cap segment of the US equity market and is a subset of the Russell 1000 Index.
The Dow Jones Industrial Average is an unmanaged average of 30 actively traded stocks.
The NASDAQ Composite is an unmanaged market capitalization weighted index that is designed to represent the performance of the National Market System.
The S&P 500® Index tracks the common stock performance of 500 large U.S. companies.
The S&P 1500 Index is a stock market index of U.S. stock that includes all stocks in the large cap S&P 500 Index, the mid cap S&P 400 Index, and the small cap S&P 600 Index.
The Morgan Stanley Capital International Europe, Australasia and Far East Free (EAFE® Free) Index currently measures the performance of stock markets of Europe, Australia, New Zealand, and the Far East.
The Morgan Stanley Capital International Europe Index is a free float-adjusted market capitalization index that is designed to measure developed market equity performance in Europe.
The Barclays 1-5 Year U.S. Treasury Index measures the performance of short-term U.S. Treasury Securities maturing within one to five years.
The Barclays U.S. Aggregate Bond Index represents debt securities in the U.S. investment grade fixed rate bond market.
The Barclays Municipal Bond Index is an unmanaged index representative of the tax-exempt bond market.
The Barclays High Yield Index includes all fixed income securities having a maximum quality rating from Moody's Investor Service of Ba1, a minimum amount outstanding of $100 million, and at least one year to maturity.
The Barclays TIPS Index measures the performance of the US Treasury Inflation-Protected Securities (TIPS) market.
The Citigroup 3 Month T-Bill Index is an average of the last 3-month Treasury bill issues (excluding the current month-end bill).
The FTSE EPRA/NAREIT Developed REIT and Non-Reit Index is a subset of the Developed Index, which is designed to track the performance of listed real estate companies and REITS worldwide.
The MSCI ACWI (All Country World Index) Index is a free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of developed and emerging markets.
The Nikkei 225 Index is a price-weighted index comprised of Japans top 225 blue-chip companies on the Tokyo Stock Exchange.
The Credit Suisse High Yield Index is designed to mirror the investible universe of the $U.S. Denominated high yield debt market.
The Blended Benchmark for the Equity and Bond Fund is a combination of 60% of the S&P 500 Index and 40% of the Barclays U.S. Aggregate Bond Index, rebalanced monthly.
The Blended Benchmark for the LifePath Funds is a combination of the holdings in the Barclays U.S Aggregate Bond Index, Russell 1000 Index, MSCI ACWI ex-U.S. Index, FTSE EPRA/NAREIT Developed Real Estate Index and Barclays TIPS Index. The weightings of the indices are adjusted quarterly to reflect the funds' changing asset allocations over time.
State Farm College Savings Plan (529)
Earnings must be used to pay for qualified higher education expenses to be federally tax free. The earnings portion of a non qualified withdrawal will be subject to ordinary income tax at the recipients marginal rate and subject to a 10% penalty. State Farm does not provide tax advice. Please consult your tax advisor for specific information about your tax situation, including any state tax consequences of an investment. The availability of such tax or other benefits may be conditioned on meeting certain requirements.
A $70,000 gift is viewed as an accelerated gift over five years. Any other gifts to the same beneficiary by the contributor in that tax year or in any of the succeeding four years may result in a federal gift-tax liability. If the contributor dies within the five-year period, a prorated portion of the contribution may be included in his or her taxable estate.
Contributions can be made until the value or total amount of contributions across all Nebraska program accounts for the beneficiary reaches $360,000. Accounts in excess of this limit can continue to grow through investment earnings realized by the plan, but no additional contributions can be accepted above that limit. This limit is set by the Nebraska State Treasurer and is subject to change.
The plan is intended to operate as a qualified tuition program, pursuant to section 529 of the U.S. Internal Revenue Code.
Participation in the plan does not guarantee that contributions and the investment earnings, if any, will be adequate to cover future tuition and other higher education expenses, or that a beneficiary will be admitted to or permitted to continue to attend an eligible educational institution.
This material is not an offer to sell or a solicitation of an offer to buy any securities. Any offer to sell shares within the plan may only be made by the Enrollment Handbook and Participation Agreement relating to the plan.
Neither the State of Nebraska, the Trust, the Nebraska State Treasurer, the Nebraska Investment Council, First National Bank of Omaha, Oppenheimer nor State Farm, nor any of their respective affiliates, directors, officers or agents shall have any debt or obligation to any contributor, any beneficiary or any other person as a result of the establishment of the plan, nor will these entities assume any risk or liability for mutual funds in which the plan invests.
The State Farm College Savings Plan is subject to enrollment, maintenance, administrative and management fees and expenses.
Investors in the plan do not hold shares of the underlying funds directly, but rather shares in a portfolio of the plan.
The State Farm College Savings Plan (the plan) is sponsored by the State of Nebraska and administered by the Nebraska State Treasurer. The plan is established in cooperation with State Farm VP Management Corp. (State Farm), the State of Nebraska, and OFI Private Investments Inc. (OFIPI), a subsidiary of OppenheimerFunds, Inc, pursuant to which State Farm offers classes of shares in a series of accounts within the Nebraska Educational Savings Plan Trust (the Trust and plan issuer) that are distributed by OppenheimerFunds Distributor, Inc. (OFDI and together with OFIPI, Oppenheimer). The Trust offers other accounts that are not affiliated with the plan.
The Nebraska State Treasurer serves as trustee of the plan; OFIPI serves as the investment manager, with the oversight of the Nebraska Investment Council; and servicing agent: OFDI serves as the distributor: First National Bank of Omaha serves as the program manager.
The State Farm College Savings Plan is not insured or guaranteed by State Farm, Oppenheimer, First National Bank of Omaha, the Trust, the State of Nebraska, the Nebraska State Treasurer, the Nebraska Investment Council, any of their respective affiliates, directors, officers or agents or any other entity.
Customized Portfolio Performance Benchmarks
The benchmarks for the Portfolios represent customized composites of market indices for the available Underlying Investments weighted by the relative target asset allocation for such portfolio.
Oppenheimer Capital Appreciation Fund Benchmark: The Russell 1000® Growth Index
The Russell 1000® Growth Index is a market-capitalization weighted index of those firms in the Russell 1000® Index with higher price-to-book ratios and higher forecasted growth values.
Oppenheimer Value Fund Benchmark: The Russell 1000® Value Index
The Russell 1000® Value Index is a market-capitalization weighted index of those firms in the Russell 1000 Index with lower price-to-book ratios and lower forecasted growth values.
Oppenheimer Main Street Small- & Mid-Cap Fund® Benchmark: The Russell 2500® Index
The Russell 2500® Index tracks the common stock performance of the 2,500 smallest U.S. companies in the Russell 3000® Index, which represents approximately 17% of the total capitalization of the Russell 3000 Index.
Oppenheimer International Growth Fund: MSCI EAFE Index
The Morgan Stanley Capital International Europe, Australasia and Far East (EAFE®) Index currently measures the performance of stock markets of Europe, Australia, New Zealand, and the Far East and takes into account local market restrictions on share ownership by foreigners.
State Farm Bond Fund and Oppenheimer Global Strategic Income Fund Benchmark: The Barclays US Aggregate Bond Index
The Barclays US Aggregate Bond Index is a benchmark index composed of US securities in Treasury, Government-Related, Corporate, and Securitized sectors. It includes securities that are of investment-grade quality or better, have at least one year to maturity, and have an outstanding par value of at least $250 million.
Federated US Government Securities Fund 1-3 yrs Benchmark: The Merrill Lynch U.S. Treasuries 1-3 Year Index:
The Merrill Lynch 1-3 Year US Treasury & Agency Index is a subset of The Bank of America Merrill Lynch US Treasury & Agency Index, an unmanaged fixed income index that includes U.S.Treasury fixed income securities (direct sovereign debt of the U.S. Government) in the maturity range equal to one year and less than three years.
Oppenheimer Institutional Money Market Fund Benchmark: iMoney Net First Tier Institutional Index:
The iMoneyNet First Tier Institutional Index (Also known as the MFR First Tier Institutional Index) is a subset of the Money Fund Reports (MFR) All-Taxable universe consisting of funds managed to a first-tier standard and which are offered to institutions only. Portfolio Holdings of first-tier funds include U.S. Treasury, U.S. Other, Repos, Time Deposits, Domestic Bank Obligations, Foreign Bank Obligations, First Tier CP, Floating Rate Notes, and AssetBacked Commercial Paper. The Money Fund Report AveragesTM are published by iMoneyNet, Inc. (formerly IBC Financial Data), and reflect yields net of fees and expenses.
Oppenheimer Developing Markets Fund: MSCI Emerging Markets Index:
The MSCI Emerging Markets Index is a capitalization-weighted index of stocks from 26 emerging markets that only includes issues that may be traded by foreign investors.
Investors cannot directly invest either in individual benchmark indices or combinations thereof.
Not FDIC Insured