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The Vanguard 529 Plan age-based options

Get a complete portfolio that changes along with your needs.

Choose 1 of our 3 age-based options—conservative, moderate, or aggressive. We'll do the rest by automatically and gradually shifting you to less-risky portfolios as your child gets older.

Conservative age-based option

 

Child age 0 to 2 years

ASSET ALLOCATION 60% stocks/40% bonds

Child age 3 to 4 years

ASSET ALLOCATION 50% stocks/50% bonds

Child age 5 to 6 years

ASSET ALLOCATION 40% stocks/60% bonds

Child age 7 to 8 years

ASSET ALLOCATION 30% stocks/70% bonds

Child age 9 to 10 years

ASSET ALLOCATION 20% stocks/80% bonds

Child age 11 to 12 years

ASSET ALLOCATION 10% stocks/90% bonds

Child age 13 to 14 years

ASSET ALLOCATION 75% bonds/25% short-term reserves

Child age 15 years

ASSET ALLOCATION 50% bonds/50% short-term reserves

Child age 16 years

ASSET ALLOCATION 50% bonds/50% short-term reserves

Child age 17 years

ASSET ALLOCATION 25% bonds/75% short-term reserves

Child age 18 years

ASSET ALLOCATION 25% bonds/75% short-term reserves

Child age 19 years or older

ASSET ALLOCATION 100% short-term reserves

Moderate age-based option

 

Child age 0 to 2 years

ASSET ALLOCATION 90% stocks/10% bonds

Child age 3 to 4 years

ASSET ALLOCATION 80% stocks/20% bonds

Child age 5 to 6 years

ASSET ALLOCATION 70% stocks/30% bonds

Child age 7 to 8 years

ASSET ALLOCATION 60% stocks/40% bonds

Child age 9 to 10 years

ASSET ALLOCATION 50% stocks/50% bonds

Child age 11 to 12 years

ASSET ALLOCATION 40% stocks/60% bonds

Child age 13 to 14 years

ASSET ALLOCATION 30% stocks/70% bonds

Child age 15 years

ASSET ALLOCATION 20% stocks/80% bonds

Child age 16 years

ASSET ALLOCATION 10% stocks/90% bonds

Child age 17 years

ASSET ALLOCATION 75% bonds/25% short-term reserves

Child age 18 years

ASSET ALLOCATION 75% bonds/25% short-term reserves

Child age 19 years or older

ASSET ALLOCATION 75% bonds/25% short-term reserves

Aggressive age-based option

 

Child age 0 to 2 years

ASSET ALLOCATION 100% stocks

Child age 3 to 4 years

ASSET ALLOCATION 100% stocks

Child age 5 to 6 years

ASSET ALLOCATION 90% stocks/10% bonds

Child age 7 to 8 years

ASSET ALLOCATION 80% stocks/20% bonds

Child age 9 to 10 years

ASSET ALLOCATION 70% stocks/30% bonds

Child age 11 to 12 years

ASSET ALLOCATION 60% stocks/40% bonds

Child age 13 to 14 years

ASSET ALLOCATION 50% stocks/50% bonds

Child age 15 years

ASSET ALLOCATION 40% stocks/60% bonds

Child age 16 years

ASSET ALLOCATION 30% stocks/70% bonds

Child age 17 years

ASSET ALLOCATION 20% stocks/80% bonds

Child age 18 years

ASSET ALLOCATION 10% stocks/90% bonds

Child age 19 years or older

ASSET ALLOCATION 10% stocks/90% bonds

The Vanguard 529 College Savings Plan is a Nevada Trust administered by the Board of Trustees of the College Savings Plans of Nevada, chaired by the Nevada State Treasurer.

Open a Vanguard 529 Plan

We're here to help

Talk with one of our education savings specialists.

Call 866-734-4533

Monday to Friday
8 a.m. to 9 p.m., Eastern time

REFERENCE CONTENT

Layer opened.

How do you think about investing and risk?

If you think ...

  • Fluctations in the market are bad, no matter how long your investment time horizon.
  • You're more comfortable with investments that have a little more price stability, even if they may provide lower returns.

Your risk tolerance may be:

Conservative, which is a 1 or 2 on a scale of 1 to 5 measuring risk tolerance.

Conservative

If you think ...

  • You can deal with some market fluctuations.
  • Mixing different asset classes feels comfortable to you, because if one temporarily loses value, the other can help offset the decline in your account balance.

Your risk tolerance may be:

Moderate, which is a 3 on a scale of 1 to 5 measuring risk tolerance.

Moderate

If you think ...

  • Market fluctuations aren't a big deal.
  • You'd rather have the potential for higher returns, even at a higher risk of losing money.

Your risk tolerance may be:

Aggressive, which is a 4 or 5 on a scale of 1 to 5 measuring risk tolerance.

Aggressive