U-Nest is an intuitive and easy-to-use mobile app that establishes and manages a tax-free college fund for your child in minutes. You can start saving for your kids' future with as little as $25/ month. Experts agree that a “529 College Savings Plan” is the most optimal way to save money for educational expenses due to its tax advantages and investment options. You can read about additional benefits here: https://u-nest.com/
After making the plan, the U-Nest app securely links to your bank account to automatically transfer money each month into your child’s plan. The app also lets you understand with a glance at your phone, how close you are to reaching your savings goal so that your child can pay for their education, debt-free.
U-Nest is a fully accredited and registered Financial Advisor with the Securities and Exchange Commission and is backed by a team of experienced financial experts and advisors with decades of experience.
Easy to Setup - Setup an account in five minutes. No long or confusing paper applications needed to start investing.
Tax-free growth - Stop worrying about your kids’ future and make the most of your investment returns via U-Nest tax-free college savings plan.
Easy tracking - Adjust your monthly contribution anytime, track your tax-free projected growth, and asset allocation for your account.
Personalized Goals - Establish your future goal with U-Nest college calculator and choose an amount that is right for you based on your budget, your child’s age, and type of school.
Simple and Fast - View account balance, change contribution plans and manage transactions at the touch of a button.
Affordable – Start investing in your child’s future with as little as $25/ month. U-Nest makes saving easier for every budget group.
Security - U-Nest uses bank-level security and the strongest browser encryption to keep your sensitive financial data safe.
Flexibility - U-nest works by giving each of your kids a dedicated savings account. Set goals in seconds, view account balance, change contribution plans as per your budget, manage transactions, all from your mobile phone. Save money for kids and start investing to help your kids achieve their goals.
Personalized Investment portfolio - U-Nest picks the best investment portfolio for your child based on your child’s age and when they will need the money for their education. Your portfolio is constantly optimized to achieve the best asset allocation as your child becomes older.
Investments managed by Invesco - All your investments are managed by Invesco, one of the best investment management firms in the United States with over 80 years of experience managing over $988 billions in assets under management. It is indeed a great way to save and invest for your kids.
U-Nest charges a simple monthly advisory fee of $3 per account*. The fee is collected by the same method of payment as selected for your investment contribution account.
HOW U-NEST WORKS
Your U-Nest 529 Plan is constantly optimized behind the scenes to ensure that your money is invested in the smartest possible way given the age of your child (and when they expect to need the money for their education) and the expected risks and returns of stocks, bonds, and other investment vehicles.
Further, with U-Nest you can adjust your monthly contribution at any time with the touch of a button, understand what your final savings amount will be given expected investment returns. U-Nest makes savings and investing for every income group so easy.
Save and invest for your kids’ future now!
*Other investment charges may apply. Please refer to the document for more details: https://u-nest.com/529_Program_Description.pdf
Here's what's new in the latest update:
• User experience is better
• Account setup is faster
• App description is updated
• Calculator feature is greatly improved
Ratings and Reviews
Great app. Great experience!!!
I have 2 young kids and have been thinking about the college savings account since they were born but didn’t know where to start. I have been referred to U-nest by a friend of mine and I couldn’t be happier. Everything is done through the app and I mean EVERYTHING from start to finish. I love how easy it is to use and navigate the app. All the info you need is right there. You can start slow with as low as $25/monthly and you can add lump sums whenever your budget allows. Each kid has a separate profile on the app and you can easily see how much money they have at the moment in there. There are also tools right there in app that project how much your kid will have by the time they go to college if you continue at the “current” pace. By clicking around I was able to find where exactly the money is invested. I also get paper monthly statements in the mail. All in all great app!
First time investing - excellent experience!
U-nest is our first and excellent experience of investing money through an app. Great source to save money for my kids education. The growth and the ability to withdraw the money all tax-free for qualified education expenses mean that every dollar I contribute can multiply faster and cover a greater portion of my kids education expenses. Very easy and quick! Love being able to see the amount my child will have by the time she’s in college. Finding room in our budget for college savings can be difficult, so with U-nest savings plan that is not requiring a significant minimum investment, we can save 25 dollars per month until we are able to save more. We will definitely be using this app from now on since it’s so convenient for us and all family members!
I signed up for this app because they claim to find the best college savings program for your kids. My hope was they will give me options to choose from. But they automatically signed me up for one of their programs and started withdrawing money from my account immediately. I wasn’t even given the option of choosing when the money should be withdrawn. I emailed them and requested a cancellation which they said they will. And I received a refund for that transaction. However they continued trying to withdraw money from my account even after I requested a cancellation. Had to put a stop payment with my bank to prevent them from withdrawing from my account. Be careful before you sign up.
With Family Sharing set up, up to six family members can use this app.