529 Plan Investment Options
As you get ready to open your 529 plan account, decide which investment strategy will work best for you. Our plans offer options for every type of investor.
This strategy allows you to create an investment mix from portfolios that fall into four categories:
Individual Fund Portfolios
Bank Deposit Portfolio1
Custom Strategy Allocation Choices
When you open your account and choose the Custom Strategy, you'll have the opportunity to allocate funds in 5% increments among these options. You may allocate money to any number you'd like, as long as your total equals 100%.
The following lists Portfolio types and asset allocation.
- Static Portfolios
- Aggressive Growth Portfolio (Fidelity Funds)
- Moderate Growth Portfolio (Fidelity Funds)
- Conservative Portfolio (Fidelity Funds)
- Aggressive Growth Portfolios (Fidelity Index)
- Moderate Growth Portfolios (Fidelity Index)
- Conservative Growth Portfolio (Fidelity Index)
- Individual Fund Portfolios
- Money Market Portfolio
- Spartan 500 Index Portfolio
- Total Market Index Portfolio
- International Index Portfolio
- Intermediate Treasury Index Portfolio
- Bank Deposit Portfolio
- Bank Deposit Portfolio
- Age Based Portfolios
- Age Based Portfolio (Fidelity Funds)
- Age Based Portfolio (Fidelity Index)
- Age Based Portfolio (Multi Firm)
Call a college savings representative800-544-2776
1Bank Deposit Portfolio is not an eligible investment selection for Trust Account Registrations.
2Although the underlying deposits are eligible for FDIC insurance, subject to applicable federal deposit insurance limits, the units of the Bank Deposit Portfolio are not insured or guaranteed by the FDIC or any other government agency. You are responsible for monitoring the total amount of your assets on deposit at the depository bank, including amounts held directly at the depository bank. All such deposits held in the same ownership capacity at the depository bank are subject to aggregation and to the current FDIC insurance coverage limitation of $250,000. Please see your 529 Fact Kit for more details.
The asset allocation strategy you choose for any Custom Strategy should be based on your investment objectives, risk tolerance, time horizon, and other factors you determine to be important. Different asset allocations offer different balances between risk and potential returns. Generally, the greater the stock allocation, the greater the potential for long-term returns and the greater the risk of volatility, especially over the short term. Conversely, the greater the allocation to bonds and/or short-term investments, the lower the potential for high long-term returns but the lower the short-term risks.
The U.Fund College Investing Plan is offered by MEFA and managed by Fidelity Investments. If you or the designated beneficiary is not a Massachusetts resident, you may want to consider, before investing, whether your state or the designated beneficiary's home state offers its residents a plan with alternate state tax advantages or other benefits.
Units of the portfolios are municipal securities and may be subject to market volatility and fluctuation.
Please carefully consider each plan's investment objectives, risks, charges, and expenses before investing. For this and other information on any 529 college savings plan managed by Fidelity, contact Fidelity for a free Fact Kit, or view online. Read it carefully before you invest or send money.
Fidelity Brokerage Services, Member NYSE, SIPC. 900 Salem Street, Smithfield, RI 02917