my529 offers a diverse menu of investment options—14 in all.
Four options are age-based. Eight are static, or fixed. Two options are customizable. Each option uses a different investment strategy. Choose the option that works best for you.
Four age-based options
- These options take into consideration the age of your beneficiary and number of years before your beneficiary is expected to attend college.
- The investment allocation gradually and automatically shifts toward fixed-income funds, a stable value fund, and FDIC-insured accounts as your beneficiary gets older.
- Money in the account will be rebalanced annually on the beneficiary’s birthday, or next business day, to bring the selected underlying investments back to the target allocation established when the account was opened.
- The Internal Revenue Service allows you to make two option changes in a calendar year without triggering tax consequences.
|Age-Based Aggressive Global||Begins with 100 percent allocation to domestic and international equity funds. Fixed-income allocations increase as your beneficiary ages; a stable value fund and FDIC-insured accounts are added.||0.174% to 0.188%|
|Age-Based Aggressive Domestic||Begins with 100 percent allocation to domestic equity funds. Fixed-income allocations increase as your beneficiary ages; a stable value fund and FDIC-insured accounts are added.||0.160% to 0.182%|
|Age-Based Moderate||Begins with 80 percent allocation to domestic and international equity funds and 20 percent to fixed-income funds and a stable value fund. Fixed-income and stable value allocations increase as your beneficiary ages and FDIC-insured accounts are added.||0.179% to 0.190%|
|Age-Based Conservative||Begins with 60 percent allocation to domestic and international equity funds and 40 percent to fixed-income funds, a stable value fund, and FDIC-insured accounts. Fixed-income, stable value and FDIC-insured allocations increase as your beneficiary ages. By the time the beneficiary is 19, 95 percent of the option is invested in the stable value fund and FDIC-insured accounts; the remainder is in fixed-income funds.||0.157% to 0.191%|
my529’s asset-based fee structure has two parts:
- The Operating Expense Ratio of each underlying investment
- The Administrative Asset Fee
Learn more about fees.
Depending on which investment option you select for your account, my529 invests your contributions in a combination of Vanguard Group and Dimensional Fund Advisors mutual funds, the PIMCO Interest Income Fund, the Public Treasurers’ Investment Fund, or the FDIC-insured accounts held in trust at Sallie Mae Bank and U.S. Bank. Collectively, these funds and accounts are referred to as underlying investments. The my529 account owner does not own shares of any underlying investment. Instead, the account owner owns my529 units issued by my529.
Investment returns for my529 investment options
Past performance is no guarantee of future returns. Your investment could lose value.
Risks and Other Considerations
Choose carefully. Your investment could lose value. The value of your my529 account may vary depending on market conditions and the performance of the investment option you select. It could be more or less than the amount you contribute.
You assume all investment risks, including potential for loss of principal as well as responsibility for any federal and/or state consequences. Accounts are opened based on representations by you and with your express agreement to the Terms and Conditions of the my529 Account Agreement.
You should consider the risks associated with each investment option in light of your financial situation, investment goals, and the length of time you will hold your investment before making a qualified withdrawal. Please read the my529 Program Description for complete information about each option.
Information on this website does not supersede the information in the my529 Program Description and the actual written contracts and agreements that establish my529 accounts.