Why choose a Vanguard Target Enrollment Portfolio for your 529 account?
Vanguard Target Enrollment Portfolios make choosing an investment for education savings about as easy as it gets. Consider a portfolio based on the year you expect your student to start school—from kindergarten through graduate or trade school. We’ll take it from there.
Benefits of the Vanguard Target Enrollment Portfolio
How to pick the right Target Enrollment portfolio for your 529 account
Look for your student's expected enrollment year and consider the portfolio that best matches that time frame.
Vanguard Target Enrollment Portfolios
Take a glance at the risk ratings and asset allocations of each portfolio profile listed by enrollment year.
Allocations represented on the charts are as of July 1, 2023. To view the most recent portfolio allocation as of the prior month-end, view the individual portfolio profile.
2040 / 2041
Year entering school
Asset allocation
Stocks
95%
Bonds
5%
Short-term reserves
0%
Why should I care about risk?
Risk is a measure of how likely it is that you could lose money in an investment. Knowing the risk level you're comfortable with and the length of time you expect to invest can help you select an appropriate fund for your investing needs.
The potential for risk in Vanguard funds can be categorized in levels from 1 to 5. Knowing the risk level you're comfortable with and the length of time you expect to invest can help you select an appropriate fund for your investing needs.
Conservative funds
Risk level 1: Vanguard funds are classified as conservative if their share prices are expected to remain stable or to fluctuate only slightly. Such funds may be appropriate for the short-term reserves portion of a long-term investment portfolio or for investors with short-term investment horizons (3 years or less).
Conservative to moderate funds
Risk level 2: Vanguard funds classified as conservative to moderate are subject to low to moderate fluctuations in share prices. In general, such funds may be appropriate for investors with medium-term investment horizons (4 to 10 years).
Moderate funds
Risk level 3: Vanguard funds classified as moderate are subject to a moderate degree of fluctuation in share prices. In general, such funds may be appropriate for investors who have a relatively long-term investment horizon (more than 5 years).
Moderate to aggressive funds
Risk level 4: Vanguard funds classified as moderate to aggressive are broadly diversified but are subject to wide fluctuations in share prices because they hold virtually all of their assets in common stocks. These funds may be appropriate for investors who have a long-term investment horizon (10 years or longer).
Aggressive funds
Risk level 5: Vanguard funds classified as aggressive are subject to extremely wide fluctuations in share prices. These funds may be appropriate for investors who have a long-term investment horizon (10 years or longer). The unusually high volatility associated with these funds may stem from a number of strategies.
2038 / 2039
Year entering school
Asset allocation
Stocks
90%
Bonds
10%
Short-term reserves
0%
2036 / 2037
Year entering school
Asset allocation
Stocks
81.5%
Bonds
18.5%
Short-term reserves
0%
2034 / 2035
Year entering school
Asset allocation
Stocks
69.5%
Bonds
30.5%
Short-term reserves
0%
2032 / 2033
Year entering school
Asset allocation
Stocks
58%
Bonds
42%
Short-term reserves
0%
2030 / 2031
Year entering school
Asset allocation
Stocks
50%
Bonds
50%
Short-term reserves
0%
2028 / 2029
Year entering school
Asset allocation
Stocks
36.28%
Bonds
55.33%
Short-term reserves
8.39%
2026 / 2027
Year entering school
Asset allocation
Stocks
24.52%
Bonds
53.8%
Short-term reserves
21.68%
2024 / 2025
Year entering school
Asset allocation
Stocks
18.84%
Bonds
46.13%
Short-term reserves
35.03%
2022 / 2023
Year entering school
Asset allocation
Stocks
14.98%
Bonds
36.7%
Short-term reserves
48.32%
2020 / 2021
Year entering school
Asset allocation
Stocks
11.6%
Bonds
28.4%
Short-term reserves
60%
Commencement
Asset allocation
Stocks
11.6%
Bonds
28.4%
Short-term reserves
60%
The Vanguard 529 College Savings Plan is a Nevada Trust administered by the office of the Nevada State Treasurer.
For more information about The Vanguard 529 College Savings Plan, download a Program Description (PDF) or request one by calling 866-734-4533. The Program Description includes investment objectives, risks, charges, expenses, and other information; read and consider it carefully before investing. Vanguard Marketing Corporation, Distributor.
If you are not a Nevada taxpayer, consider before investing whether your or the designated beneficiary's home state offers any state tax or other benefits that are only available for investments insuch state's qualified tuition program. Other state benefits may include financial aid, scholarship funds, and protection from creditors.
The Vanguard Group, Inc., serves as the Investment Manager for The Vanguard 529 College Savings Plan and through its affiliate, Vanguard Marketing Corporation, markets and distributes the Plan. Ascensus Broker Dealer Services, LLC, serves as Program Manager and has overall responsibility for the day-to-day operations. The Plan's portfolios, although they invest in Vanguard mutual funds, are not mutual funds. Investment returns are not guaranteed, and you could lose money by investing in the Plan.
State tax treatment of K–12 withdrawals is determined by the state(s) where the taxpayer files state income tax. Please consult with a tax advisor for further guidance.