Age-Based Options: Conservative

How it works

Age-based investment options automatically reallocate account funds to be weighted less in equity funds and more in fixed-income funds, a stable value fund, and FDIC-insured accounts as your beneficiary approaches college enrollment age.

The Age-Based Conservative investment option allocates 60 percent of your account balance to one domestic equity fund and two international equity funds and 40 percent of your balance to two fixed-income funds, a stable value fund, and FDIC-insured accounts until your beneficiary reaches age 7.

  • Vanguard Institutional Total Stock Market Index Fund
  • Vanguard Developed Markets Index Fund
  • Vanguard Emerging Markets Stock Index Fund
  • Vanguard Total Bond Market Index Fund
  • Vanguard Total International Bond Index Fund
  • PIMCO Interest Income Fund
  • FDIC-insured accounts

At age 7, the allocation to the equity funds begins to decrease, while holdings in fixed-income funds, the stable value fund, and FDIC-insured accounts increase.

At age 16, the equity funds are removed from the investment mix.

When your beneficiary reaches age 19, 95 percent of the account balance will be reallocated to the stable value fund and the FDIC-insured accounts; the rest remains in fixed-income funds.

age-based investment model

age-based investment model

View the my529 Investment Option Asset Allocations Table.


View the my529 Investment Option Performance Table


Read the Program Description, Part 7, Investment Information, for information about specific risks for the underlying investments in the Age-Based Conservative investment option.


View my529’s Asset Fee Structure Table and Approximate Cost of a $10,000 Investment Table.