J.P. Morgan Asset Management Launches 2025 College Planning Essentials Guide
J.P. Morgan Asset Management has released its 12th annual College Planning Essentials guide, providing financial advisors with data-driven insights for education planning. The 2025 guide reveals concerning trends in education costs and financial aid.
Key findings show college tuition has increased by 5.6% annually since 1983, while families now bear 48% of college expenses from income and investments, up from 38% a decade ago. Despite the tax advantages of 529 plans, including tax-free growth and qualified withdrawals, 63% of families are not utilizing these investment vehicles.
The company currently manages $11 billion in 529 plan assets for over 346,000 families nationwide, offering two nationwide 529 plans through their Education Savings team.
J.P. Morgan Asset Management ha pubblicato la sua dodicesima guida annuale sui Fondamentali della Pianificazione Universitaria, fornendo ai consulenti finanziari informazioni basate su dati per la pianificazione educativa. La guida del 2025 rivela tendenze preoccupanti nei costi dell'istruzione e nell'aiuto finanziario.
I risultati chiave mostrano che le tasse universitarie sono aumentate del 5,6% all'anno dal 1983, mentre le famiglie ora coprono il 48% delle spese universitarie tramite redditi e investimenti, rispetto al 38% di un decennio fa. Nonostante i vantaggi fiscali dei piani 529, che includono crescita esentasse e prelievi qualificati, il 63% delle famiglie non sta utilizzando questi strumenti di investimento.
L'azienda gestisce attualmente 11 miliardi di dollari in attivi di piani 529 per oltre 346.000 famiglie in tutto il paese, offrendo due piani 529 nazionali tramite il loro team di Risparmio Educativo.
J.P. Morgan Asset Management ha lanzado su duodécima guía anual sobre los Fundamentos de la Planificación Universitaria, proporcionando a los asesores financieros información basada en datos para la planificación educativa. La guía de 2025 revela tendencias preocupantes en los costos de educación y la ayuda financiera.
Los hallazgos clave muestran que la matrícula universitaria ha aumentado un 5.6% anual desde 1983, mientras que las familias ahora asumen el 48% de los gastos universitarios a partir de ingresos e inversiones, frente al 38% de hace una década. A pesar de las ventajas fiscales de los planes 529, que incluyen crecimiento libre de impuestos y retiros calificados, el 63% de las familias no está utilizando estos vehículos de inversión.
La empresa actualmente gestiona $11 mil millones en activos de planes 529 para más de 346,000 familias en todo el país, ofreciendo dos planes 529 nacionales a través de su equipo de Ahorro Educativo.
J.P. Morgan 자산 관리는 재정 상담사에게 교육 계획을 위한 데이터 기반 통찰력을 제공하는 제12회 연례 대학 계획 필수 가이드를 발표했습니다. 2025년 가이드는 교육 비용 및 재정 지원에 대한 우려스러운 추세를 드러냅니다.
주요 발견에 따르면, 대학 등록금은 1983년 이후 연평균 5.6% 증가했으며, 현재 가족들은 소득 및 투자로부터 대학 비용의 48%를 부담하고 있으며, 이는 10년 전의 38%에서 증가한 수치입니다. 세금 혜택이 있는 529 계획, 즉 세금이 없는 성장 및 자격 있는 인출의 이점에도 불구하고, 63%의 가족이 이러한 투자 수단을 활용하지 않고 있습니다.
회사는 현재 346,000개 이상의 가족을 위해 110억 달러의 529 계획 자산을 관리하고 있으며, 교육 저축 팀을 통해 두 개의 전국 529 계획을 제공합니다.
J.P. Morgan Asset Management a publié son douzième guide annuel sur les Fondamentaux de la Planification Universitaire, fournissant aux conseillers financiers des informations basées sur des données pour la planification éducative. Le guide 2025 révèle des tendances préoccupantes concernant les coûts de l'éducation et l'aide financière.
Les résultats clés montrent que les frais de scolarité ont augmenté de 5,6% par an depuis 1983, tandis que les familles supportent désormais 48% des dépenses universitaires provenant de leurs revenus et investissements, contre 38% il y a une décennie. Malgré les avantages fiscaux des plans 529, qui incluent une croissance exonérée d'impôts et des retraits qualifiés, 63% des familles n'utilisent pas ces véhicules d'investissement.
L'entreprise gère actuellement 11 milliards de dollars d'actifs de plans 529 pour plus de 346 000 familles à l'échelle nationale, offrant deux plans 529 nationaux par l'intermédiaire de son équipe d'Épargne Éducative.
J.P. Morgan Asset Management hat seinen zwölften jährlichen Leitfaden zu den Grundlagen der Hochschulplanung veröffentlicht, der Finanzberatern datengestützte Einblicke in die Bildungsplanung bietet. Der Leitfaden für 2025 offenbart besorgniserregende Trends bei den Bildungskosten und der finanziellen Unterstützung.
Wichtige Erkenntnisse zeigen, dass die Studiengebühren seit 1983 um 5,6% jährlich gestiegen sind, während Familien nun 48% der Studienkosten aus Einkommen und Investitionen tragen, verglichen mit 38% vor einem Jahrzehnt. Trotz der steuerlichen Vorteile von 529-Plänen, einschließlich steuerfreier Wachstums- und qualifizierter Abhebungen, nutzen 63% der Familien diese Anlagevehikel nicht.
Das Unternehmen verwaltet derzeit 11 Milliarden Dollar an 529-Planvermögen für über 346.000 Familien im ganzen Land und bietet über sein Team für Bildungssparen zwei landesweite 529-Pläne an.
- Manages substantial $11 billion in 529 plan assets
- Large customer base of 346,000 families nationwide
- Offers two nationwide 529 plans with tax advantages
- 63% of potential customers not utilizing 529 plans indicates significant market penetration challenges
- Rising college costs (5.6% annual increase) may impact product adoption
- Increased family contribution requirements (48%) could affect investment capacity
The Guide provides saving and investing insights to help advisors and their clients plan for education
"College planning is becoming increasingly complex, with trends showing a rise in tuition costs, evolving financial aid landscapes, and diverse saving strategies," said Tricia Scarlata, Head of Education Savings for J.P. Morgan Asset Management. "Understanding these trends is crucial for advisors to guide clients effectively, foster informed discussions, and build successful plans for college."
Key Findings from 2025 College Planning Essentials include:
- Escalating College Costs: College tuition has surged by an average of
5.6% annually since 1983, significantly outpacing other household expenses and underscoring the urgent need for families to plan ahead. - Financial Aid Realities: Despite the rising costs, financial aid has not kept pace, with families now shouldering
48% of college expenses from their income and investments, up from38% a decade ago. There is limited coverage for grants and scholarships, which often pay only a small portion of college costs. - 529 Plan Utilization: Despite the benefits of 529 plans, including tax-advantaged growth and withdrawals for qualified education expenses,
63% of families are not utilizing these plans, missing out on potential savings and growth. - Tax-Advantaged Options: 529 plans offer additional tax-advantaged options for more control and flexibility, such as making five years' worth of tax-free gifts in a single year and tax-free rollovers to Roth IRAs, with minimal impact on financial aid eligibility.
- Education Savings Investing Strategies: Emphasizing the importance of starting early and staying diversified, the guide illustrates how small increases in investment returns can significantly impact education funds.
J.P. Asset Management manages nearly
To view the full College Planning Essentials, click here.
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FAQ
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