Investing for K–12 goals
The Vanguard 529 Plan's investment choices aren't limited to investing for higher education. You can use our Target Enrollment or individual portfolios to save for K–12 expenses too.
Important considerations when investing for K–12
While our 529 investment options easily adapt to K–12 saving, it's important to keep in mind the following considerations as you plan your goals:
Plan for a longer withdrawal timeline
To pay for the K–12 years, you could be withdrawing money from your 529 plan over a longer period than the 4 years typically needed to graduate from college.
A shorter time frame to build savings
You'll have fewer years to save for a K–12 education because the enrollment period begins much sooner than it does for college.
Choosing and reviewing your K-12 investments
3 tips for choosing your K–12 investments
- Determine when you'll need the money to pay for tuition expenses.
- Choose your investments based on your risk comfort level and when you'll need to start withdrawing portions for tuition expenses.
- If you choose an individual portfolio rather than a Target Enrollment Portfolio, revisit your asset allocation each year to see if your risk tolerance and time horizon are the same. Reallocate your investments, if necessary.
Don't forget to review your investments
Whether you choose a portfolio that adjusts on its own, or you use a do-it-yourself strategy, you should review your portfolio regularly to make sure it's still in line with your goals, time horizon, and risk tolerance. You may want to consider annual reviews as you get close to making tuition payments since you could be taking money out more frequently for K–12 expenses.
What if I'm saving for separate goals?
Let's say you have $100 to invest—$75 for college and $25 for high school. Here are 2 possibilities:
An automatic way to manage multiple education timelines
Consider splitting your investment into 2 separate Vanguard Target Enrollment Portfolios, and let the portfolio adjust for you automatically as you reach your enrollment date.
- $75 in a Target Enrollment Portfolio closest to the expected year your student will enter college.
- $25 in a Target Enrollment Portfolio closest to when your child will enter high school.
A more hands‑on way to invest for separate education goals
Choose your own strategy and invest the money among Vanguard individual 529 portfolios. There are 2 ways to select individual portfolios for your Vanguard 529 account:
- If you prefer a fund with a mix of investments, consider one of the several multifund individual portfolios that may be suited to the particular time frame you have for meeting K–12 tuition expenses.
- If you want to build your own portfolio, select from over 30 of our plan's individual 529 portfolios, which cover all the major asset classes. When using your own strategy, you can choose up to 5 investment options per beneficiary to save for either higher education or K–12 tuition.
Explore the Vanguard 529—and related ways to save
Want to learn more about the Vanguard 529?
The Vanguard 529 offers low costs, expertly managed investments, and more than 20 years of education savings experience.
Related options
Use our college savings planner to see if you'll have enough for college.