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The Vanguard 529 Plan age-based options

If you're investing for higher education, consider 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.

Keep in mind that age-based options are generally designed for college savings and may not be appropriate for K–12 time horizons. If you're investing for K–12 goals, you should consider an asset mix made up of individual portfolios.

To get started investing for higher-education goals, expand the links below for more information on asset allocations for the three age-based options.

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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 through 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