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Select from our award-winning 529 portfolios

A preset mix of investments can do a lot of the work for you, or you can create your own strategy with individual portfolios.

How do you want to pick investments for your 529 account?

When you open an account, you'll be asked how you want your money to be invested. You can have us help you, or you can do it yourself.

Once you choose your investments, IRS rules allow you to move money to different investments only twice each calendar year, so make sure you're comfortable with your decision! (You can, however, change the investments for your future contributions at any time.)

"I want it figured out for me."

If you're saving for higher education and managing your own investments seems too complicated or involved, then our age-based options may be for you. All you do is pick 1 of 3 options based on your comfort level with risk (conservative, moderate, or aggressive).

The rest is done for you. We'll invest your money according to your child's age. Then, as he or she gets older, we'll automatically shift your savings through a series of increasingly conservative portfolios.

Of course, the way you feel about risk might change along the way. So we recommend that you periodically check to make sure your selection is still right for you.

Keep in mind that age-based options are generally designed to save for higher education and may not be appropriate for K–12 time horizons.

"I want to create my own investment strategy."

If you're more of a hands-on investor and want to remain in control or you're investing for K–12 goals, you can create an investment strategy from our 20 individual portfolios. Select up to 5 portfolios at a time, and then manage that mix based on the strategy you put together.

If you find you need guidance along the way, we have a tool to help you figure out your asset mix.

Feel good about paying less

All investments have costs. But the less you pay in 529 expenses, the more you can keep for education. And when it comes to low costs, The Vanguard 529 Plan is recognized as a leader.

The Vanguard 529 College Savings Plan is a Nevada Trust administered by the office of the Nevada State Treasurer.


Layer opened.

How do you think about investing and risk?

If you think ...

  • Fluctuations 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.


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.


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.