Investment Options
A diverse menu
my529 offers an array of investment options. Each option uses a different investment strategy. Choose the option that works best for you.
Target Enrollment Date
The Target Enrollment Date investment option consists of 12 Enrollment Date portfolios. Each two-year portfolio reallocates to a more conservative investment allocation each quarter. Use the slider below to see how allocations change every two years as your beneficiary ages closer to enrollment. You may select a portfolio closest to the year you anticipate the account beneficiary will begin taking withdrawals for qualified education expenses. If your risk tolerance is more aggressive or conservative, you may select a date further from the expected date of school enrollment (aggressive) or nearer to the expected date of school enrollment (conservative) to meet your needs.
Drag the slider across the chart below to explore the Target Enrollment Date portfolios.
12 Target Enrollment Date portfolios
- Select a portfolio for when the beneficiary begins taking withdrawals.
- Built from mix of:
- Vanguard mutual funds.
- PIMCO Interest Income Fund.
- FDIC-insured accounts.
- Based on preset quarterly investment allocation schedule.
- Portfolios gradually shift to more conservative allocations.
- Eventually end up in Enrolled portfolio.
- Two option changes allowed per year.
- View/download a PDF pie chart of the Target Enrollment Date portfolios.
Static Options
Static investment options remain in the stated allocations for the life of the account. However, you can request an option change and move your invested funds into another option. You can make only two option changes per calendar year. Use the slider below to compare allocations.
Customized Age-based
The Customized Age-Based investment option allows you to determine and create your own investment allocation using any combination of the available my529 single-fund portfolios for each of 10 age brackets.
You determine and customize the investment allocation for each of 10 age brackets: 0-3, 4-6, 7-9, 10-12, 13-14, 15, 16, 17, 18, 19+. Money in the account will be rebalanced annually on your beneficiary’s birthday to bring the underlying investments back to the target allocation that you chose when you created this option.
Money invested in the Customized Age-Based option automatically reallocates to the new investment allocation that you have chosen when your beneficiary ages to the next bracket.
Consult your financial advisor before investing. If you do not fully understand the decisions you are making by selecting either customized investment option, you should consider whether this option is an appropriate choice.
Customized Static
The Customized Static investment option allows you to determine and create your own investment allocation using any combination of the available underlying funds.
This option will not change as your beneficiary ages, unless you request an investment option change. Money in the account will be rebalanced annually on your beneficiary’s birthday to bring the underlying investments back to the target allocation that you chose when you created this option.
Consult your financial advisor before investing. If you do not fully understand the decisions you are making by selecting either customized investment option, you should consider whether this option is an appropriate choice.
About underlying investments
Depending on which investment option you select for your account, my529 pools your investment in a combination of Vanguard Group and Dimensional Fund Advisors mutual funds, the PIMCO Interest Income Fund, or the FDIC-insured accounts held in trust at Sallie Mae Bank and U.S. Bank. Collectively, these funds and accounts are referred to as underlying investments. Learn more about our underlying investments.
The my529 account owner owns units of the investment option issued by the my529 Trust. The my529 account owner does not own shares of any underlying investment.
Allocation tables for my529 investment options
For a side-by-side comparison of our options, please review the underlying fund allocations for all of my529’s Enrollment Date portfolios and Static investment options. You can also view the funds available for the Customized options.
