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Invest in yourself or a loved one by saving for higher education and job training

Invest529 offers a diverse selection of more than 20 investment portfolios designed for savers that expect more from their 529 plan.

Customize your strategy with:

Target Enrollment Portfolios

Target Enrollment Portfolios are constructed to align with a future date when withdrawals may occur. The portfolios gradually and intentionally shift from equity to fixed income as the enrollment date approaches.

Index Portfolios

Index Portfolios track the performance of a broad market. These portfolios typically offer lower fees than other investment options.

Target Risk Portfolios

Target Risk Portfolios maintain a defined level of risk and hold a diversified mix of stocks, bonds, cash and other investments to create a desired risk profile. Target Risk portfolios are static and should reflect your current risk tolerance.

Principal Protected Portfolios

Principal-Protected Portfolios are designed to protect against losses to the original amount you’ve invested, generally offering a more stable investment option.

Specialty Portfolios

Specialty Portfolios include investment options that don’t fall into the other four categories and include investment options like ESG Core Equity, and Global Equity portfolios.

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Learn more about investment options

Topics include:

  • Overview of the five portfolio categories
  • Identifying your risk tolerance
  • Key differences between different options

Fees and Expenses

Invest529’s low fees provide the necessary revenue for the program to operate as an independent, self-sustaining 529 plan. Invest529 makes every effort to operate as efficiently as possible, which helps keep fees among the lowest in the industry.

There are two types of fees that account owners may incur on their account —asset based and service. These fees combine to create an Expense Ratio for every portfolio.

Target Enrollment

Expense Ratio Range: 0.28% to 0.55%

Index

Expense Ratio Range: 0.11% to 0.19%

Target Risk

Expense Ratio Range: 0.13 to 0.55%

Principal Protected

Expense Ratio Range: 0.09% to 0.14%

Specialty

Expense Ratio Range: 0.49% to 0.72%

Read more about fees

Investment Options FAQs

An account holder may change investment portfolio options (Investment Direction or Investment Option Change) twice per calendar year per beneficiary.If there is a change in beneficiary, an investment change can also be made at the same time.

Yes, an account owner may have multiple portfolios for the same beneficiary and each portfolio is a separate account. The account owner may not have two of the same portfolios for the same beneficiary. For instance, an account owner could not have two 2039 portfolios for the same beneficiary but could have a 2039 portfolio and an ESG Core Equity portfolio for that same beneficiary.

The only insured portfolio is the FDIC-Insured Portfolio and this portfolio is insured by the Federal Deposit Insurance Corporation (FDIC) to the fullest extent permitted by law. All other Invest529 portfolios are subject to market risk including loss of principal.

You may choose any of the Invest529 portfolios, but Target Enrollment portfolios are designed for college savers. Since there is a shorter time horizon when the money will be needed for private, public, or religious K-12 schools, you may want to take this into consideration when choosing a portfolio. There are Invest529 portfolios that have conservative and stable investment strategies as well as more aggressive options, but it is ultimately up to you to choose the portfolio that best meets your risk tolerance and time horizon.

You may choose any of the Invest529 portfolios, but Target Enrollment portfolios are designed for college savers. Since there is a shorter time horizon when the money will be needed for private, public, or religious K-12 schools, you may want to take this into consideration when choosing a portfolio. There are Invest529 portfolios that have conservative and stable investment strategies as well as more aggressive options, but it is ultimately up to you to choose the portfolio that best meets your risk tolerance and time horizon.

For more information about Target Date Portfolios, view the blog article: Three Things to Know About: Target Enrollment Portfolios.

More Invest529 FAQs

Highly rated. Expertly managed.

Low fees, tax advantages, outstanding flexibility and diverse investment options are just a few of the reasons Invest529 is consistently ranked among the top 529 plans by independent sources.

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