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THE HARTFORD SMART529 COLLEGE SAVINGS PLANOffering StatementDescriptions of The Underlying FundsParticipation AgreementSERIES XVIJuly 6, 2020
Investments in The Hartford SMART529 are not guaranteed or insured by the State of West Virginia, the Board ofTrustees of the West Virginia College Prepaid Tuition and Savings Program, the West Virginia State Treasurer’s Office,Hartford Funds Management Company, LLC (“HFMC”), The Hartford Financial Services Group, the investment advisors or sub-advisors for the Underlying Funds or any depository institution and are subject to investment risks, includingthe loss of the principal amount invested.The Hartford SMART529 is issued by the West Virginia College Prepaid Tuition and Savings Program Board of Trusteesand is administered by HFMC. “SMART529” is a registered trademark of West Virginia College Prepaid Tuition andSavings Program Board of Trustees. “The Hartford” is a registered trademark of Hartford Fire Insurance Company.Account Owners should periodically assess, and if appropriate, adjust their investment choices with their time horizon,risk tolerance, and investment objectives in mind.Interests in The Hartford SMART529 are not registered securities with the U.S. Securities and Exchange Commissionunder the Securities Act of 1933 nor any state securities commission, nor are the Plan’s portfolios registered as investment companies under the Investment Company Act of 1940. Neither the U.S. Securities and Exchange Commissionnor any state securities commission has approved or disapproved interests in the Plan or passed upon the adequacy ofthe Offering Statement.Investing is an important decision. Please read the Offering Statement and Participation Agreement carefully beforemaking an investment decision.
THE HARTFORD SMART529COLLEGE SAVINGS PLANoffered bythe Board of Trustees of the West Virginia College and Jumpstart Savings Programs(formerly known as the Board of Trustees of the West Virginia College Prepaid Tuition and Savings Program)Supplement Dated March 25, 2022to the Series XVI Offering Statement, Descriptions of The Underlying Funds and Participation Agreementdated July 6, 2020, as supplemented November 30, 2020, March 1, 2021, June 11, 2021, December 13, 2021and February 4, 2022Terms used and not defined in this Supplement have the same meaning as in the Offering Statement.1. Increase in Current Maximum Account Limit. Effective April 1, 2022, the maximum account balance limit isincreased from 400,000 to 550,000 for all accounts in the Program for a Designated Beneficiary. Accordingly,effective April 1, 2022, all references to the maximum account limit in the Offering Statement and ParticipationAgreement are replaced with 550,000.2. Updated Class Fee Structure tables.a. The Class Fee tables for the Age-Based Portfolio Investment Options, Static Portfolio Investment Options, andIndividual Investment Options have been updated to reflect more recent information. Accordingly, on pages27 through 33 of the Offering Statement, the lead in paragraph, Class Fee table and respective footnotes foreach Class Fee Structure table are deleted and replaced as follows below. Information is as of March 1, 2022.b. The Class A Up-Front Sales Charges tables and the corresponding footnotes on page 28 of the OfferingStatement have been deleted and replaced as follows below under Class A.Class Fee StructuresClass AIf you choose the Class A Fee Structure, an Up-Front Sales Charge may be deducted each time a contribution is made to your Account, asdiscussed further below. You will also indirectly bear Underlying Fund Expenses and directly pay Total Annual Asset-Based Fees, whichare deducted from your Account daily. You may also pay the Annual Maintenance Fee.Investment OptionsThe Hartford SMART529 Age-BasedPortfolio 0-3The Hartford SMART529 Age-BasedPortfolio 4-6The Hartford SMART529 Age-BasedPortfolio 7-9The Hartford SMART529 Age-BasedPortfolio 10-11The Hartford SMART529 Age-BasedPortfolio 12-13The Hartford SMART529 Age-BasedPortfolio 14-15The Hartford SMART529 Age-BasedPortfolio 16The Hartford SMART529 Age-BasedPortfolio 17The Hartford SMART529 Age-BasedPortfolio 18 The Hartford SMART529 AggressiveGrowth PortfolioThe Hartford SMART529 Growth Portfolio210693849 5 LAWEstimatedUnderlyingFundExpenses1Fee Structure Class AAnnual Asset-Based FeesAdditional Investor tSales Charge3AnnualMaintenanceFee4ProgramManagerFeeState .50% 25.000.56%0.10%0.07%0.25%0.98%2.50% 25.000.54%0.10%0.07%0.25%0.96%2.50% 25.000.50%0.10%0.07%0.25%0.92%2.50% 25.000.47%0.10%0.07%0.25%0.89%2.50% 25.000.42%0.10%0.07%0.25%0.84%2.50% 25.000.33%0.10%0.07%0.25%0.75%2.50% 25.000.28%0.10%0.07%0.25%0.70%2.50% 25.000.23%0.10%0.07%0.25%0.65%2.50% 25.000.57%0.10%0.07%0.25%0.99%2.50% 25.000.56%0.10%0.07%0.25%0.98%2.50% 25.00Page 1 of 14
EstimatedUnderlyingFundExpenses1Fee Structure Class AAnnual Asset-Based FeesAdditional Investor tSales Charge3AnnualMaintenanceFee4ProgramManagerFeeState .50% 25.000.33%0.10%0.07%0.25%0.75%2.50% 25.000.54%0.10%0.07%0.25%0.96%2.50% 25.00The Hartford Small Company 529 Fund0.85%0.10%0.07%0.25%1.27%2.50% 25.00The Hartford MidCap Value 529 Fund0.77%0.10%0.07%0.25%1.19%2.50% 25.00The Hartford Growth Opportunities 529Fund0.73%0.10%0.07%0.25%1.15%2.50% 25.00The Hartford MidCap 529 Fund0.73%0.10%0.07%0.25%1.15%2.50% 25.00MFS Global Equity 529 Fund0.88%0.10%0.07%0.25%1.30%2.50% 25.000.68%0.10%0.07%0.25%1.10%2.50% 25.000.63%0.10%0.07%0.25%1.05%2.50% 25.00The Hartford Equity Income 529 Fund0.64%0.10%0.07%0.25%1.06%2.50% 25.00The Hartford Balanced Income 529 Fund0.53%0.10%0.07%0.25%0.95%2.50% 25.00The Hartford High Yield 529 Fund0.55%0.10%0.07%0.25%0.97%2.50% 25.00The Hartford Total Return Bond 529 Fund0.32%0.10%0.07%0.25%0.74%2.50% 25.00The Hartford Inflation Plus 529 Fund0.45%0.10%0.07%0.25%0.87%2.50% 25.00The SMART529 Stable Value Fund0.13%0.10%0.05%0.25%0.53%2.00% 25.00Investment OptionsThe Hartford SMART529 BalancedPortfolioThe Hartford SMART529 ConservativeBalanced PortfolioThe Hartford SMART529 Checks &Balances PortfolioThe Hartford International Opportunities529 FundThe Hartford Dividend and Growth 529Fund12345For all portfolios other than the SMART529 Stable Value Fund, the Estimated Underlying Fund Expenses are based on the registered mutual funds and ETFs’ mostrecent prospectus as of the date of this Supplement. The Estimated Underlying Fund Expenses also reflect fee waivers and/or expense reimbursements of theUnderlying Funds, if applicable. For the SMART529 Stable Value Fund, the fee includes the investment management related expense and service fees of theSMART529 Stable Value Portfolio, but does not include wrap fees.The Total Annual Asset-Based Fees is the sum of the Estimated Underlying Fund Expenses, Program Manager Fee, State Fee and Annual Distribution Fee but doesnot include sales charges or the annual account maintenance fees. For an illustration of the total investment cost of 10,000 investment over 1-, 3- , 5-, 10- yearperiods, please see the chart below titled “Expense Examples.”The Maximum Up-Front Sales Charge is 2.50% for all Class A Investment Options other than the SMART529 Stable Value Fund (2.00%). For more informationon the Class A sales charge, please see the information within the Offering Statement.The Annual Maintenance Fee is the annual fee deducted from your account each year. Please note that your fee will be waived in certain cases as set forth in thesection “Fees, Charges and Expenses - Definitions of Fees and Charges – Annual Maintenance Fee” as disclosed on page 25 in the Offering Statement.Certain other fees may also be assessed. Please refer the section “Fees, Charges and Expenses - Other Fees and Charges” as disclosed on page 26 in the OfferingStatement.The following charts reflect the Class A Fee Up-Front Sales Structure:Class A Up-Front Sales Charge for Contributions Allocated to Any Investment Option except those contributions allocated toThe SMART529 Stable Value Fund(1):Contribution and Value of Your Accounts(2)Less than 249,999.99 250,000 - 499,999.99 500,000 - 999,999.99 1 million or more(3)Sales Charge as a Percentage of Contribution2.50%2.00%1.50%0%Dealer Concession(4)2.50%2.00%1.50%1.00%Class A Up-Front Sales Charge* for Contributions Allocated to The SMART529 Stable Value Fund(1):Contribution and Value of Your Accounts(2)Less than 249,999.99 250,000 - 499,999.99 500,000 - 999,999.99 1 million or more(3)210693849 5 LAWSales Charge as a Percentage of Contribution2.00%1.50%1.00%0%Page 2 of 14Dealer Concession(4)2.00%1.50%1.00%0.50%
(1)(2)(3)(4)If your contribution is a rollover from another 529 Plan and is eligible for the waiver of Class A Up-Front Sales Charges as provided in the section “MakingContributions” on pages 8, your broker-dealer may receive an Up-Front Commission of 1.00%.Federal law requires that a limit be placed on contributions to this Account along with any other 529 accounts maintained by West Virginia, including the WestVirginia Prepaid Tuition Plan, which may be established for the same Designated Beneficiary. Currently, no contributions are permitted if the total of all accountbalances for the same Designated Beneficiary equal or exceed 550,000.Contributions of 1 million or more (for example, in the event an Account Owner has multiple Accounts for different Designated Beneficiaries) may be made withno Up-Front Sales Charge. However, there is a deferred sales charge of 1% on any distributions made within 18 months of the contribution. For purposes of calculatingthis deferred sales charge, all contributions made during a calendar month are counted as having been made on the first day of that month. The deferred sales chargeis based on the lesser of the initial contribution or the amount distributed. To keep your deferred sales charge as low as possible, each time you request a distribution, wewill first distribute amounts in your Accounts that are not subject to a deferred sales charge. If a dealer waives its right to receive an upfront commission with respectto Contributions of 1 million or more, the Plan will waive the 1% deferred sales charge.In addition to the dealer concession, an annual distribution fee (also known as trail commission) of 0.25% will commence at the end of the calendar quarterfollowing the contribution, based on a rolling 3 month average daily balance, or at the end of the 18th month for certain rollovers and contributions of 1 millionor more.Class BIf you are currently invested in Class B, a CDSC may be imposed on withdrawals, as discussed further in the Offering Statement. You willalso indirectly bear Underlying Fund Expenses and directly pay Total Annual Asset-Based Fees, which are deducted from your Accountdaily. You may also pay the Annual Maintenance Fee. Effective March 6, 2017, no new contributions may be directed to the Class B FeeStructure.EstimatedUnderlyingFundExpenses1Fee Structure Class BAnnual Asset-Based FeesAdditional Investor dSales Charge3AnnualMaintenanceFee4ProgramManagerFeeState .00% 25.000.56%0.10%0.07%0.80%1.53%5.00% 25.000.54%0.10%0.07%0.80%1.51%5.00% 25.000.50%0.10%0.07%0.80%1.47%5.00% 25.000.47%0.10%0.07%0.80%1.44%5.00% 25.000.42%0.10%0.07%0.80%1.39%5.00% 25.000.33%0.10%0.07%0.80%1.30%5.00% 25.000.28%0.10%0.07%0.80%1.25%5.00% 25.000.23%0.10%0.07%0.80%1.20%5.00% 25.000.57%0.10%0.07%0.80%1.54%5.00% 25.00The Hartford SMART529 Growth Portfolio0.56%0.10%0.07%0.80%1.53%5.00% 25.00The Hartford SMART529 Balanced Portfolio0.50%0.10%0.07%0.80%1.47%5.00% 25.000.33%0.10%0.07%0.80%1.30%5.00% 25.000.54%0.10%0.07%0.80%1.51%5.00% 25.00The Hartford Small Company 529 Fund0.85%0.10%0.07%0.80%1.82%5.00% 25.00The Hartford MidCap Value 529 Fund0.77%0.10%0.07%0.80%1.74%5.00% 25.00The Hartford Growth Opportunities 529Fund0.73%0.10%0.07%0.80%1.70%5.00% 25.00The Hartford MidCap 529 Fund0.73%0.10%0.07%0.80%1.70%5.00% 25.00MFS Global Equity 529 Fund0.88%0.10%0.07%0.80%1.85%5.00% 25.00The Hartford International Opportunities 529Fund0.68%0.10%0.07%0.80%1.65%5.00% 25.00The Hartford Dividend and Growth 529 Fund0.63%0.10%0.07%0.80%1.60%5.00% 25.00The Hartford Equity Income 529 Fund0.64%0.10%0.07%0.80%1.61%5.00% 25.00Investment OptionsThe Hartford SMART529 Age-BasedPortfolio 0-3The Hartford SMART529 Age-BasedPortfolio 4-6The Hartford SMART529 Age-BasedPortfolio 7-9The Hartford SMART529 Age-BasedPortfolio 10-11The Hartford SMART529 Age-BasedPortfolio 12-13The Hartford SMART529 Age-BasedPortfolio 14-15The Hartford SMART529 Age-BasedPortfolio 16The Hartford SMART529 Age-BasedPortfolio 17The Hartford SMART529 Age-BasedPortfolio 18 The Hartford SMART529 AggressiveGrowth PortfolioThe Hartford SMART529 ConservativeBalanced PortfolioThe Hartford SMART529 Checks &Balances Portfolio210693849 5 LAWPage 3 of 14
Investment OptionsEstimatedUnderlyingFundExpenses1Fee Structure Class BAnnual Asset-Based FeesProgramManagerFeeState FeeAnnualDistributionFeeAdditional Investor dSales Charge3AnnualMaintenanceFee4The Hartford Balanced Income 529 Fund0.53%0.10%0.07%0.80%1.50%5.00% 25.00The Hartford High Yield 529 Fund0.55%0.10%0.07%0.80%1.52%5.00% 25.00The Hartford Total Return Bond 529 Fund0.32%0.10%0.07%0.80%1.29%5.00% 25.00The Hartford Inflation Plus 529 Fund0.45%0.10%0.07%0.80%1.42%5.00% 25.00The SMART529 Stable Value Fund0.13%0.10%0.05%0.80%1.08%5.00% 25.0012345For all portfolios other than the SMART529 Stable Value Fund, the Estimated Underlying Fund Expenses are based on the registered mutual funds and ETFs’ mostrecent prospectus as of the date of this Supplement. The Estimated Underlying Fund Expenses also reflect fee waivers and/or expense reimbursements of theUnderlying Funds, if applicable. For the SMART529 Stable Value Fund, the fee includes the investment management related expense and service fees of theSMART529 Stable Value Portfolio, but does not include wrap fees.The Total Annual Asset-Based Fees is the sum of the Estimated Underlying Fund Expenses, Program Manager Fee, State Fee and Annual Distribution Fee but doesnot include sales charges or the annual account maintenance fees. For an illustration of the total investment cost of 10,000 investment over 1-, 3- , 5-, 10- yearperiods, please see the chart below titled “Expense Examples.”The Maximum Deferred Sales Charge is 5.00%. Class B converts to Class A after eight years. For more information on the Class B sales charge, please see theOffering Statement.The Annual Maintenance Fee is the annual fee deducted from your account each year. Please note that your fee will be waived in certain cases as set forth in thesection “Fees, Charges and Expenses - Definitions of Fees and Charges – Annual Maintenance Fee” as disclosed on page 25 in the Offering Statement.Certain other fees may also be assessed. Please refer the section “Fees, Charges and Expenses - Other Fees and Charges” as disclosed on page 26 in the OfferingStatement.Class CIf you choose the Class C Fee Structure, a CDSC may be imposed on withdrawals, as discussed further below. You will also indirectly bearUnderlying Fund Expenses and directly pay Total Annual Asset-Based Fees, which are deducted from your Account daily. You may alsopay the Annual Maintenance Fee.Investment OptionsThe Hartford SMART529 Age-BasedPortfolio 0-3The Hartford SMART529 Age-BasedPortfolio 4-6The Hartford SMART529 Age-BasedPortfolio 7-9The Hartford SMART529 Age-BasedPortfolio 10-11The Hartford SMART529 Age-BasedPortfolio 12-13The Hartford SMART529 Age-BasedPortfolio 14-15The Hartford SMART529 Age-BasedPortfolio 16The Hartford SMART529 Age-BasedPortfolio 17The Hartford SMART529 Age-BasedPortfolio 18 The Hartford SMART529 AggressiveGrowth PortfolioThe Hartford SMART529 GrowthPortfolioThe Hartford SMART529 BalancedPortfolioThe Hartford SMART529 ConservativeBalanced PortfolioThe Hartford SMART529 Checks &Balances PortfolioThe Hartford Small Company 529 Fund210693849 5 LAWEstimatedUnderlyingFundExpenses1Fee Structure Class CAnnual Asset-Based FeesAdditional Investor Expenses5State 2MaximumDeferred 00% 25.000.10%0.07%0.99%1.72%1.00% 25.000.54%0.10%0.07%0.99%1.70%1.00% 25.000.50%0.10%0.07%0.99%1.66%1.00% 25.000.47%0.10%0.07%0.99%1.63%1.00% 25.000.42%0.10%0.07%0.99%1.58%1.00% 25.000.33%0.10%0.07%0.99%1.49%1.00% 25.000.28%0.10%0.07%0.99%1.44%1.00% 25.000.23%0.10%0.07%0.99%1.39%1.00% 25.000.57%0.10%0.07%0.99%1.73%1.00% 25.000.56%0.10%0.07%0.99%1.72%1.00% 25.000.50%0.10%0.07%0.99%1.66%1.00% 25.000.33%0.10%0.07%0.99%1.49%1.00% 25.000.54%0.10%0.07%0.99%1.70%1.00% 25.000.85%0.10%0.07%0.99%2.01%1.00% 25.00ProgramManagerFee0.57%0.10%0.56%Page 4 of 14
Investment OptionsEstimatedUnderlyingFundExpenses1Fee Structure Class CAnnual Asset-Based FeesProgramManagerFeeState FeeAnnualDistributionFeeAdditional Investor d SalesCharge3AnnualMaintenanceFee4The Hartford MidCap Value 529 Fund0.77%0.10%0.07%0.99%1.93%1.00% 25.00The Hartford Growth Opportunities 529Fund0.73%0.10%0.07%0.99%1.89%1.00% 25.00The Hartford MidCap 529 Fund0.73%0.10%0.07%0.99%1.89%1.00% 25.00MFS Global Equity 529 Fund0.88%0.10%0.07%0.99%2.04%1.00% 25.000.68%0.10%0.07%0.99%1.84%1.00% 25.000.63%0.10%0.07%0.99%1.79%1.00% 25.00The Hartford Equity Income 529 Fund0.64%0.10%0.07%0.99%1.80%1.00% 25.00The Hartford Balanced Income 529 Fund0.53%0.10%0.07%0.99%1.69%1.00% 25.00The Hartford High Yield 529 Fund0.55%0.10%0.07%0.99%1.71%1.00% 25.00The Hartford Total Return Bond 529Fund0.32%0.10%0.07%0.99%1.48%1.00% 25.00The Hartford Inflation Plus 529 Fund0.45%0.10%0.07%0.99%1.61%1.00% 25.00The SMART529 Stable Value Fund0.13%0.10%0.05%0.99%1.27%1.00% 25.00The Hartford International Opportunities529 FundThe Hartford Dividend and Growth 529Fund12345For all portfolios other than the SMART529 Stable Value Fund, the Estimated Underlying Fund Expenses are based on the registered mutual funds and ETFs’ mostrecent prospectus as of the date of this Supplement. The Estimated Underlying Fund Expenses also reflect fee waivers and/or expense reimbursements of theUnderlying Funds, if applicable. For the SMART529 Stable Value Fund, the fee includes the investment management related expense and service fees of theSMART529 Stable Value Portfolio, but does not include wrap fees.The Total Annual Asset-Based Fees is the sum of the Estimated Underlying Fund Expenses, Program Manager Fee, State Fee and Annual Distribution Fee but doesnot include sales charges or the annual account maintenance fees. For an illustration of the total investment cost of 10,000 investment over 1-, 3- , 5-, 10- yearperiods, please see the chart below titled “Expense Examples.”The Maximum Deferred Sales Charge is 1.00%. Class C converts to Class A after four years. For more information on the Class C sales charge, please see theOffering Statement.The Annual Maintenance Fee is the annual fee deducted from your account each year. Please note that your fee will be waived in certain cases as set forth in thesection “Fees, Charges and Expenses - Definitions of Fees and Charges – Annual Maintenance Fee” as disclosed on page 25 in the Offering Statement.Certain other fees may also be assessed. Please refer the section “Fees, Charges and Expenses - Other Fees and Charges” as disclosed on page 26 in the OfferingStatement.Class EIf you choose the Class E Fee Structure, neither an Up-Front Sales Charge nor a CDSC will be applied by the Plan. You will not pay theAnnual Maintenance Fee. You will also indirectly bear Underlying Fund Expenses and directly pay Total Annual Asset-Based Fees, whichare deducted from your Account daily. You will not be charged an Annual Distribution Fee. However, Account Owners may pay a separatefee or commission charged directly by their financial investment professional or financial intermediary. The following are eligible topurchase Class E: Current or retired officers, directors, trustees and employees and their families of HFMC and its affiliates;Employees of the sub-advisers to the Hartford mutual funds and their families;Employees and sales representatives of selling broker-dealers (and their families, as defined under the “AccumulationPrivilege” section) who have a sales agreement with HFMC and HFD to sell the program; andEmployer Groups associated with The Hartford that are not associated with a financial investment professional.In addition to the above, Class E is also available for individuals purchasing an Account through: A registered investment advisor affiliated with a broker-dealer who has an agreement with HFMC and/or HFD to sell theprogram and who is compensated through an advisory account fee; andA financial intermediary that has entered into an amendment to the selling agreement with HFMC and/or HFD to offerClass E, or similar agreement, and such amendment and/or agreement discloses that (1) the financial intermediary intendsto offer Class E through its platform or similar network, if applicable, and (2) the financial intermediary may separatelycharge a commission or other fee directly to the Account Owner.210693849 5 LAWPage 5 of 14
EstimatedUnderlyingFundExpenses1Fee Structure Class EAnnual Asset-Based FeesAdditional Investor Expenses4TotalAnnualAssetBased Fees2Maximum tate .00% 0.000.56%0.10%0.07%0.00%0.73%0.00% 0.000.54%0.10%0.07%0.00%0.71%0.00% 0.000.50%0.10%0.07%0.00%0.67%0.00% 0.000.47%0.10%0.07%0.00%0.64%0.00% 0.000.42%0.10%0.07%0.00%0.59%0.00% 0.000.33%0.10%0.07%0.00%0.50%0.00% 0.000.28%0.10%0.07%0.00%0.45%0.00% 0.000.23%0.10%0.07%0.00%0.40%0.00% 0.000.57%0.10%0.07%0.00%0.74%0.00% 0.000.56%0.10%0.07%0.00%0.73%0.00% 0.000.50%0.10%0.07%0.00%0.67%0.00% 0.000.33%0.10%0.07%0.00%0.50%0.00% 0.000.54%0.10%0.07%0.00%0.71%0.00% 0.00The Hartford Small Company 529 Fund0.85%0.10%0.07%0.00%1.02%0.00% 0.00The Hartford MidCap Value 529 Fund0.77%0.10%0.07%0.00%0.94%0.00% 0.00The Hartford Growth Opportunities 529Fund0.73%0.10%0.07%0.00%0.90%0.00% 0.00The Hartford MidCap 529 Fund0.73%0.10%0.07%0.00%0.90%0.00% 0.00MFS Global Equity 529 Fund0.88%0.10%0.07%0.00%1.05%0.00% 0.000.68%0.10%0.07%0.00%0.85%0.00% 0.000.63%0.10%0.07%0.00%0.80%0.00% 0.00The Hartford Equity Income 529 Fund0.64%0.10%0.07%0.00%0.81%0.00% 0.00The Hartford Balanced Income 529 Fund0.53%0.10%0.07%0.00%0.70%0.00% 0.00The Hartford High Yield 529 Fund0.55%0.10%0.07%0.00%0.72%0.00% 0.00The Hartford Total Return Bond 529 Fund0.32%0.10%0.07%0.00%0.49%0.00% 0.00The Hartford Inflation Plus 529 Fund0.45%0.10%0.07%0.00%0.62%0.00% 0.00The SMART529 Stable Value Fund0.13%0.10%0.05%0.00%0.28%0.00% 0.00Investment OptionsThe Hartford SMART529 Age-BasedPortfolio 0-3The Hartford SMART529 Age-BasedPortfolio 4-6The Hartford SMART529 Age-BasedPortfolio 7-9The Hartford SMART529 Age-BasedPortfolio 10-11The Hartford SMART529 Age-BasedPortfolio 12-13The Hartford SMART529 Age-BasedPortfolio 14-15The Hartford SMART529 Age-BasedPortfolio 16The Hartford SMART529 Age-BasedPortfolio 17The Hartford SMART529 Age-BasedPortfolio 18 The Hartford SMART529 AggressiveGrowth PortfolioThe Hartford SMART529 Growth PortfolioThe Hartford SMART529 BalancedPortfolioThe Hartford SMART529 ConservativeBalanced PortfolioThe Hartford SMART529 Checks &Balances PortfolioThe Hartford International Opportunities529 FundThe Hartford Dividend and Growth 529Fund1234For all portfolios other than the SMART529 Stable Value Fund, the Estimated Underlying Fund Expenses are based on the registered mutual funds and ETFs’ mostrecent prospectus as of the date of this Supplement. The Estimated Underlying Fund Expenses also reflect fee waivers and/or expense reimbursements of theUnderlying Funds, if applicable. For the SMART529 Stable Value Fund, the fee includes the investment management related expense and service fees of theSMART529 Stable Value Portfolio, but does not include wrap fees.The Total Annual Asset-Based Fees is the sum of the Estimated Underlying Fund Expenses, Program Manager Fee, State Fee and Annual Distribution Fee but doesnot include sales charges or the annual account maintenance fees. For an illustration of the total investment cost of 10,000 investment over 1-, 3- , 5-, 10- yearperiods, please see the chart below titled “Expense Examples.”Class E does not have a sales charge.Certain other fees may also be assessed. Please refer the section “Fees, Charges and Expenses - Other Fees and Charges” as disclosed on page 26 in the OfferingStatement.210693849 5 LAWPage 6 of 14
3. Updated Expense Examples. The expense example tables on pages 34 through 36 of the Offering Statement aredeleted and replaced with the tables below with more current information. Information is as of March 1, 2022.Expense ExamplesThe following table compares the approximate cost of investing in the different Investment Options within The Hartford SMART529over different periods of time (“Expense Examples”). Your actual costs may be higher or lower. The Expense Examples are based onthe following assumptions: A 10,000 investment invested for the time periods shownA 5% annually compounded rate of return on the net amount invested throughout the period (it is unlikely that The SMART529Stable Value Fund will achieve this level of return)All units are redeemed at the end of the period shown for Qualified Higher Education Expenses (the table does not considerthe impact of any potential state or federal taxes on the redemption)Estimated Underlying Fund Expenses and Total Annual Asset-Based Fees remain the same as those shown in the “Class FeeStructure tables” aboveExpenses for each Investment Option include the entire Annual Maintenance Fee of 25, which is not applicable if you meetone of the exceptions listed under the “Annual Maintenance Fee” section aboveThe investor pays the applicable maximum Up-Front Sales Charge (without regard to possible breakpoints) in the Class A FeeStructure and any CDSCs applicable to units invested for the applicable periods in the Class B and C Fee StructuresIn the case of the ten-year investment period, the annual costs shown for the Class B Fee Structure assume units are convertedto the Class A Fee Structure after 8 years.In the case of the five-year and ten-year investment periods, the annual costs shown for the Class C Structure assumes units areconverted to Class A Fee Structure after 4 years.The Hartford SMART529 Age-Based PortfoliosAge-Based Portfolio 0-3Fee Structure AFee Structure BFee Structure B (no redemption)Fee Structure CFee Structure C (no redemption)Fee Structure EAge-Based Portfolio 4-6Fee Structure AFee Structure BFee Structure B (no redemption)Fee Structure CFee Structure C (no redemption)Fee Structure EAge-Based Portfolio 7-9Fee Structure AFee Structure BFee Structure B (no redemption)Fee Structure CFee Structure C (no redemption)Fee Structure EAge-Based Portfolio 10-11Fee Structure AFee Structure BFee Structure B (no redemption)Fee Structure CFee Structure C (no redemption)Fee Structure EAge-Based Portfolio 12-13Fee Structure AFee Structure BFee Structure B (no redemption)Fee Structure CFee Structure C (no redemption)Fee Structure E210693849 5 LAWNumber of Years You Own Your Units1 Year3 Years5 Years10 Years 374 682 182 301 201 76 633 862 562 620 620 237 909 1,165 965 979 979 412 1,684 1,940 1,940 1,752 1,752 920 372 680 180 299 199 74 628 857 557 616 616 232 901 1,157 957 971 971 404 1,667 1,922 1,922 1,735 1,735 901 370 679 179 298 198 72 623 852 552 611 611 227 892 1,149 949 963 963 395 1,648 1,904 1,904 1,716 1,716 882 367 675 175 294 194 68 611 840 540 598 598 214 872 1,128 928 942 942 373 1,603 1,860 1,860 1,671 1,671 834 364 672 172 291 191 66 603 831 531 590 590 206 857 1,114 914 928 928 358 1,572 1,830 1,830 1,641 1,641 802Age-Based Portfolio 14-15Fee Structure AFee Structure BFee Structure B (no redemption)Fee Structure CFee Structure C (no redemption)Fee Structure EAge-Based Portfolio 16Fee Structure AFee Structure BFee Structure B (no redemption)Fee Structure CFee Structure C (no redemption)Fee Structure EAge-Based Portfolio 17Fee Structure AFee Structure BFee Structure B (no redemption)Fee Structure CFee Structure C (no redemption)Fee Structure EAge-Based Portfolio 18 Fee Structure AFee Structure BFee Structure B (no redemption)Fee Structure CFee Structure C (no redemption)Fee Structure EPage 7 of 14Number of Years You Own Your Units1 Year3 Years 5 Years 10 Years 359 666 166 286 186 60 586 815 515 573 573 189 829 1,085 885 899 899 329 1,510 1,769 1,769 1,579 1,579 737 349 657 157 276 176 51 557 786 486 545 545 159 779 1,036 836 850 850 277 1,402 1,662 1,662 1,471 1,471 623 345 652 152 271 171 46 543 771 471 530 530 144 754 1,011 811 825 825 251 1,348 1,609 1,609 1,417 1,417 566 340 647 147 267 167 41 528 756 456 515 515 129 728 985 785 799 799 225 1,291 1,553 1,553 1,360 1,360 506
The Hartford SMART529 Static PortfoliosAggressive Growth PortfolioFee Structure AFee Structure BFee Structure B (no redemption)Fee Structure CFee Structure C (no redemption)Fee Structure EGrowth PortfolioFee Structure AFee Structure BFee Structure B (no redemption)Fee Structure CFee Structure C (no redemption)Fee Structure EBalanced PortfolioFee Structure AFee Structure BFee Structure B (no redemption)Fee Structure CFee Structure C (no redemption)Fee Structure ENumber of Years You Own Your Units1 Year3 Years5 Years10 Years 374 682 182 301 201 76 633 862 562 620 620 237 909 1,165 965 979 979 412 1,684 1,940 1,940 1,752 1,752 920 372 680 180 299 199 74 628 857 557 616 616 232 901 1,157 957 971 971 404 1,667 1,922 1,922 1,735 1,735 901 367 675 175 294 194 68 611 840 540 598
Investments in The Hartford SMART529 are not guaranteed or insured by the State of West Virginia, the Board of Trustees of the West Virginia College Prepaid Tuition and Savings Program, the West Virginia State Treasurer's Office,
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