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Choose your K–12 investments

Multi-fund individual portfolios

The investments below are all-in-one portfolios that can be considered for K–12 goals. Each portfolio is designed for a certain time frame until you need the money.

Consider one or more of the individual portfolios based on the number of years until you need that portion of your money and your comfort level with risk. Select each portfolio to get more information, including risk and asset mix, for that portfolio only.

Because these individual portfolios are static, you should revisit your asset allocation each year and reallocate your investments if your risk tolerance or time horizon has changed.

When will you need the money?

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In 0 to 2 years

Vanguard Interest Accumulation Portfolio

This portfolio could be a good fit if you have a short-term savings goal.

Snapshot
  • Your main priority is preserving principal.
  • Unit prices are expected to remain stable or fluctuate only slightly.

Asset mix

100% Short-term reserves

100% Short-term
reserves

Risk

Risk of 1 on a scale of 1 to 5 with 1 being less risk, less reward and 5 being more risk, more reward.

Less Risk
Less Reward
More Risk
More Reward

In 3 to 4 years

Vanguard Income Portfolio

This portfolio could be a good fit if you're saving for a short- to medium-term savings goal.

Snapshot
  • Unit prices are expected to have low-to-moderate fluctuation.
  • You should be comfortable with investing in the bond market.

Asset mix

75% Bonds, 25% Short-term reserves

75% Bonds
25% Short-term
reserves

Risk

Risk of 2 on a scale of 1 to 5 with 1 being less risk, less reward and 5 being more risk, more reward.

Less Risk
Less Reward
More Risk
More Reward

In 5 to 8 years

Vanguard Conservative Growth Portfolio

This portfolio could be a good fit for investors with a short- to medium-term savings goal.

Snapshot
  • Unit prices are subject to moderate fluctuation.
  • You should be comfortable with the ups and downs that come with investing in the stock and bond markets.

Asset mix

25% Stocks, 75% Bonds

25% Stocks
75% Bonds

Risk

Risk of 2 on a scale of 1 to 5 with 1 being less risk, less reward and 5 being more risk, more reward.

Less Risk
Less Reward
More Risk
More Reward

In 9 to 12 years

Vanguard Moderate Growth Portfolio

This portfolio could be a good fit if you have a long-term savings goal.

Snapshot
  • Unit prices are subject to moderate fluctuation.
  • You should be comfortable with the ups and downs that come with investing in the stock and bond markets.

Asset mix

50% Stocks, 50% Bonds

50% Stocks
50% Bonds

Risk

Risk of 3 on a scale of 1 to 5 with 1 being less risk, less reward and 5 being more risk, more reward.

Less Risk
Less Reward
More Risk
More Reward

In 13 years or more

Vanguard Growth Portfolio

This portfolio could be a good fit if you have a long-term savings goal.

Snapshot
  • Unit prices are subject to wide fluctuation because they hold the majority of assets in common stocks.
  • You should be comfortable with the ups and downs that come with investing in the stock and bond markets.

Asset mix

75% Stocks, 25% Bonds

75% Stocks
25% Bonds

Risk

Risk of 4 on a scale of 1 to 5 with 1 being less risk, less reward and 5 being more risk, more reward.

Less Risk
Less Reward
More Risk
More Reward

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REFERENCE CONTENT

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Asset mix

The way you divide your portfolio among the asset classes—stocks, bonds, and short-term or "cash" investments.

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Risk

Usually refers to investment risk, which is a measure of how likely it is that you could lose money in an investment. However, there are other types of risk when it comes to investing.

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Time horizon

The amount of time, usually expressed in years, that an investor expects to hold an investment.