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Frequently Asked Questions - Program Manager

Who is the program manager for CHET?
The Connecticut State Treasury selected TIAA-CREF Tuition Financing, Inc. (TFI) to serve as program manager for CHET. TFI is a part of TIAA-CREF, a financial services organization with nearly 90 years of investment experience, and has more state 529 college savings plans under management than any other financial services provider. TFI is a wholly owned subsidiary of Teachers Insurance and Annuity Association of America, (TIAA), a stock life insurance company organized under the New York insurance laws. TIAA, together with its companion organization CREF (College Retirement Equities Fund), form a nationally recognized financial services organization with more than $436 billion in assets under management as of December 31, 2007. TFI is an affiliate of TIAA-CREF Individual and Institutional Services, LLC, the distributor for the Connecticut Higher Education Trust. Visit TIAA-CREF.

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Don't forget you can set up an Automatic Contribution Plan (PDF, 157KB) or use Payroll Deduction (PDF, 45KB) for your contributions (if offered by your employer). If you are a State of Connecticut employee, use the Connecticut State Employee Payroll Deduction form (PDF, 75KB).

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Access our glossary for the meanings of terms used throughout this site.

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The tax information contained on the Connecticut Higher Education Trust (the Plan) Web site is not intended to be used, and cannot be used by any taxpayer, for the purpose of avoiding tax penalties that may be imposed on the taxpayer. It was written to support the promotion of the products and services addressed in the Web site. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor.

The Plan is administered by the Connecticut State Treasury. TIAA-CREF Tuition Financing, Inc. (TFI) serves as Program Manager. TFI's affiliate, TIAA-CREF Individual & Institutional Services, LLC, is the distributor.

The investment approaches described are not recommendations and do not take into consideration personal goals or preferences. After evaluating information you consider important in making an investment choice, the ultimate decision is up to you. It is a good idea to revisit your investment strategy periodically as your goals, personal financial situation, and market conditions change.

Consider the investment objectives, risks, charges and expenses before investing in the Plan. Please call toll-free 1-888-799-2438 for a Disclosure Booklet containing this information. Read it carefully.

Before investing in a 529 plan, you should consider whether the state you or your designated beneficiary reside in or have taxable income in has a 529 plan that offers favorable state income tax or other benefits that are only available if you invest in that state's 529 plan.

The State of Connecticut, its agencies, TIAA-CREF Tuition Financing, Inc., Teachers Insurance and Annuity Association of America and its affiliates do not insure any account or guarantee its principal or investment return. Account value will fluctuate based upon a number of factors, including general market conditions.

The Plan Web site is for informational purposes only, and does not constitute an offer to sell or solicitation of an offer to buy any security that may be referenced on the site. Such offer or solicitation can be made only through the Disclosure Booklet.

The Plan Web site contains links to other Web sites. Neither the Plan Trust nor TFI and its affiliates are responsible for the content of those other Web sites. The accuracy of information on those sites cannot be confirmed.