Age-Based Options: Moderate

How it works

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

The Age-Based Moderate investment option allocates 80 percent of your account balance to one domestic equity fund and two international equity funds and 20 percent of the balance to three fixed-income funds 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 Short-Term Investment-Grade Fund
  • Vanguard Total International Bond Index Fund

At age 7, the percentage of account money allocated to the fixed-income funds increases and the FDIC-insured accounts are added to the investment mix.

Equities continue to decrease while fixed-income and FDIC-insured holdings increase as your beneficiary ages.

When your beneficiary reaches age 18, the account balance will be divided between long-term and short-term fixed-income funds and the FDIC-insured accounts.

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 Moderate investment option.


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