my529 offers a diverse menu of investment options.
Four options are age-based. Ten are static, or fixed. Two options are customizable. Each option uses a different investment strategy. Choose the option that works best for you.
Ten static options
- Unlike age-based options, static investment options do not change their allocations as your beneficiary ages.
- You can change your account to a more conservative investment option as your beneficiary ages.
- The Internal Revenue Service allows you to make two option changes in a calendar year without triggering tax consequences.
|Total US Stock Market||This option aims to match the investment return of the overall U.S. stock market by investing in large, mid-, and small-cap stocks across growth and value styles.||0.130%|
|Global Equity 90/10 US & International||This option aims to follow the investment performance of the U.S. stock market while having some international exposure across developed and emerging equity markets.||0.136%|
|Global Equity 70/30 US & International||This option aims to follow the investment performance of the U.S. stock market while having international exposure across developed and emerging equity markets.||0.148%|
|80/20 Aggressive||This option aims for growth through a higher allocation to stocks and is intended for investors with a higher tolerance for risk. Higher levels of stock investment can result in increased account balance volatility.||0.154%|
|60/40 Balanced||This option aims for growth through a higher allocation to stocks while keeping 40 percent invested in fixed income and principal preservation funds in order to help decrease the impact that stock market volatility can have on account balances.||0.155%|
|40/60 Moderate||This option aims to provide income through a higher allocation to bonds and capital preservation funds while also seeking some growth from stock investments.||0.157%|
|20/80 Conservative||This option aims to provide income through a higher allocation to bonds and capital preservation funds while also allowing for some limited growth from stock investments.||0.158%|
|Fixed Income||This option aims to provide investment income.||0.139%|
|FDIC-Insured||This option aims to provide interest income while preserving capital. All account money is allocated to the FDIC-insured accounts held in trust by my529 at Sallie Mae Bank and U.S. Bank.||0.120%|
|Stable Value||This option aims to provide a stable return while preserving capital.||0.235%|
my529’s asset-based fee structure has two parts:
- The Underlying Fund Expense 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 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.