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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


ASSET ALLOCATION

Child age 0 to 5 years (more aggressive)

PORTFOLIO PROFILE 50% stocks, 50% bonds, 0% short-term reserves

ASSET ALLOCATION

Child age 6 to 10 years

PORTFOLIO PROFILE 25% stocks, 75% bonds, 0% short-term reserves

ASSET ALLOCATION

Child age 11 to 15 years

PORTFOLIO PROFILE 0% stocks, 75% bonds, 25% short-term reserves

ASSET ALLOCATION

Child age 16 to 18 years

PORTFOLIO PROFILE 0% stocks, 75% bonds, 25% short-term reserves

ASSET ALLOCATION

Child age 19 years or more (more conservative)

PORTFOLIO PROFILE 0% stocks, 0% bonds, 100% short-term reserves

Moderate age-based option


ASSET ALLOCATION

Child age 0 to 5 years (more aggressive)

PORTFOLIO PROFILE 75% stocks, 25% bonds, 0% short-term reserves

ASSET ALLOCATION

Child age 6 to 10 years

PORTFOLIO PROFILE 50% stocks, 50% bonds, 0% short-term reserves

ASSET ALLOCATION

Child age 11 to 15 years

PORTFOLIO PROFILE 25% stocks, 75% bonds, 0% short-term reserves

ASSET ALLOCATION

Child age 16 to 18 years

PORTFOLIO PROFILE 0% stocks, 75% bonds, 25% short-term reserves

ASSET ALLOCATION

Child age 19 years or more (more conservative)

PORTFOLIO PROFILE 0% stocks, 75% bonds, 25% short-term reserves

Aggressive age-based option


ASSET ALLOCATION

Child age 0 to 5 years (more aggressive)

PORTFOLIO PROFILE 100% stocks, 0% bonds, 0% short-term reserves

ASSET ALLOCATION

Child age 6 to 10 years

PORTFOLIO PROFILE 75% stocks, 25% bonds, 0% short-term reserves

ASSET ALLOCATION

Child age 11 to 15 years

PORTFOLIO PROFILE 50% stocks, 50% bonds, 0% short-term reserves

ASSET ALLOCATION

Child age 16 to 18 years

PORTFOLIO PROFILE 25% stocks, 75% bonds, 0% short-term reserves

ASSET ALLOCATION

Child age 19 years or more (more conservative)

PORTFOLIO PROFILE 0% stocks, 75% bonds, 25% short-term reserves

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