529 plan investment options

Fidelity-managed 529 plan accounts offer a range of investment options, letting you choose an investment type that makes sense for your situation.

What are your investment choices?

Different investors have their own goals, risk-tolerance levels, and time horizons. Whether you select a Fidelity-managed 529 plan for your state of residency or you select our national plan, you have multiple types of investment options to choose from.

The following questions will help you decide the option that works best for you:

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Required information

Per IRS rules, you can change current investments twice in a calendar year, and when you change the beneficiary. You can change the investment instructions for future deposits at any time.

Where do you live?

Depending on your state of residence, a Fidelity-managed, state-specific plan may be a good option for you. If Fidelity does not manage a plan for your state, you may want to consider our national plan, the UNIQUE College Investing Plan (sponsored by the state of New Hampshire). Be sure to consider your own or the beneficiary's home state 529 plan as some states offer favorable tax treatment or other benefits to their residents only if they invest in their own state's 529 plan.3

How do you want your 529 investments managed?


Age-Based

If you want a professionally managed portfolio that automatically adjusts the asset allocation based on your beneficiary's age—potentially lowering your investment risk the closer college gets—then an Age-Based portfolio might be right for you.


Customized

Do you prefer to choose your own mix of professionally managed portfolios that align to your risk tolerance or preferred investment exposure? Then selecting from Static or Individual Fund portfolios, which let you customize your investments, might be right for you.

When was the child born?

Age-Based Portfolios are mapped to a beneficiary's year of birth and the approximate year the beneficiary is anticipated to start college. Each portfolio is managed with the asset allocation automatically becoming more conservative as the beneficiary nears college age. Select your beneficiary's birth year below to learn more about your Age-Based portfolio investment options.

  • Born 2023—2025 (2042 portfolio)
    2042 Portfolio - U.S. Equity 57%, Domestic Stocks and Foreign Stocks 38%, Bonds 5%, Short-Term 0%

    What is your investment style?


    While each age-based portfolio has the same investment objective: capital appreciation with reasonable safety of principle, each portfolio option offers you a choice of 3 investment strategies. Do you prefer more actively managed funds that attempt to beat benchmark market indices over the long term? Or perhaps you prefer low-cost index funds that closely mirror the performance of a composite of major market indices? Your third option: A combination of the two.



    Fidelity Funds
    Uses primarily actively-managed Fidelity mutual funds that attempt to beat benchmark indices

    View portfolio details


    Fidelity Blend Funds
    Uses a combination of actively-managed and index Fidelity mutual funds

    View portfolio details


    Fidelity Index Funds
    Uses low-cost index Fidelity mutual funds that mirror market indices

    View portfolio details

  • Born 2020—2022 (2039 portfolio)
    2039 Portfolio - U.S. Equity 50.50%, Domestic Stocks and Foreign Stocks 33.66%, Bonds 15.84%, Short-Term 0%

    What is your investment style?


    While each age-based portfolio has the same investment objective: capital appreciation with reasonable safety of principle, each portfolio option offers you a choice of 3 investment strategies. Do you prefer more actively managed funds that attempt to beat benchmark market indices over the long term? Or perhaps you prefer low-cost index funds that closely mirror the performance of a composite of major market indices? Your third option: A combination of the two.



    Fidelity Funds
    Uses primarily actively-managed Fidelity mutual funds that attempt to beat benchmark indices

    View portfolio details


    Fidelity Blend Funds
    Uses a combination of actively-managed and index Fidelity mutual funds

    View portfolio details


    Fidelity Index Funds
    Uses low-cost index Fidelity mutual funds that mirror market indices

    View portfolio details

  • Born 2017—2019 (2036 portfolio)
    2036 portfolio: alt=

    What is your investment style?


    While each age-based portfolio has the same investment objective: capital appreciation with reasonable safety of principle, each portfolio option offers you a choice of 3 investment strategies. Do you prefer more actively managed funds that attempt to beat benchmark market indices over the long term? Or perhaps you prefer low-cost index funds that closely mirror the performance of a composite of major market indices? Your third option: A combination of the two.



    Fidelity Funds
    Uses primarily actively-managed Fidelity mutual funds that attempt to beat benchmark indices

    View portfolio details


    Fidelity Blend Funds
    Uses a combination of actively-managed and index Fidelity mutual funds

    View portfolio details


    Fidelity Index Funds
    Uses low-cost index Fidelity mutual funds that mirror market indices

    View portfolio details

  • Born 2014—2016 (2033 portfolio)
    2033 Portfolio - U.S. Equity 34.45%, Domestic Stocks and Foreign Stocks 22.96%, Bonds 42.59%, Short-Term 0%

    What is your investment style?


    While each age-based portfolio has the same investment objective: capital appreciation with reasonable safety of principle, each portfolio option offers you a choice of 3 investment strategies. Do you prefer more actively managed funds that attempt to beat benchmark market indices over the long term? Or perhaps you prefer low-cost index funds that closely mirror the performance of a composite of major market indices? Your third option: A combination of the two.



    Fidelity Funds
    Uses primarily actively-managed Fidelity mutual funds that attempt to beat benchmark indices 

    View portfolio details


    Fidelity Blend Funds
    Uses a combination of actively-managed and index Fidelity mutual funds

    View portfolio details


    Fidelity Index Funds
    Uses low-cost index Fidelity mutual funds that mirror market indices

    View portfolio details

  • Born 2011—2013 (2030 portfolio)
    2030 Portfolio - U.S. Equity 26.54%, Domestic Stocks and Foreign Stocks 17.69%, Bonds 54.52%, Short-Term 1.25%

    What is your investment style?


    While each age-based portfolio has the same investment objective: capital appreciation with reasonable safety of principle, each portfolio option offers you a choice of 3 investment strategies. Do you prefer more actively managed funds that attempt to beat benchmark market indices over the long term? Or perhaps you prefer low-cost index funds that closely mirror the performance of a composite of major market indices? Your third option: A combination of the two.



    Fidelity Funds
    Uses primarily actively-managed Fidelity mutual funds that attempt to beat benchmark indices

    View portfolio details


    Fidelity Blend Funds
    Uses a combination of actively-managed and index Fidelity mutual funds

    View portfolio details


    Fidelity Index Funds
    Uses low-cost index Fidelity mutual funds that mirror market indices

    View portfolio details

  • Born 2008—2010 (2027 portfolio)
    2027 Portfolio - U.S. Equity 18.66%, Domestic Stocks and Foreign Stocks 12.44%, Bonds 60.15%, Short-Term 8.75%

    What is your investment style?


    While each age-based portfolio has the same investment objective: capital appreciation with reasonable safety of principle, each portfolio option offers you a choice of 3 investment strategies. Do you prefer more actively managed funds that attempt to beat benchmark market indices over the long term? Or perhaps you prefer low-cost index funds that closely mirror the performance of a composite of major market indices? Your third option: A combination of the two.



    Fidelity Funds
    Uses primarily actively-managed Fidelity mutual funds that attempt to beat benchmark indices

    View portfolio details


    Fidelity Blend Funds
    Uses a combination of actively-managed and index Fidelity mutual funds

    View portfolio details


    Fidelity Index Funds
    Uses low-cost index Fidelity mutual funds that mirror market indices

    View portfolio details

  • Born 2005—2007 (2024 portfolio)
    2024 Portfolio - U.S. Equity 10.38%, Domestic Stocks and Foreign Stocks 6.92%, Bonds 64.37%, Short-Term 18.33%

    What is your investment style?


    While each age-based portfolio has the same investment objective: capital appreciation with reasonable safety of principle, each portfolio option offers you a choice of 3 investment strategies. Do you prefer more actively managed funds that attempt to beat benchmark market indices over the long term? Or perhaps you prefer low-cost index funds that closely mirror the performance of a composite of major market indices? Your third option: A combination of the two.



    Fidelity Funds
    Uses primarily actively-managed Fidelity mutual funds that attempt to beat benchmark indices

    View portfolio details


    Fidelity Blend Funds
    Uses a combination of actively-managed and index Fidelity mutual funds

    View portfolio details


    Fidelity Index Funds
    Uses low-cost index Fidelity mutual funds that mirror market indices

    View portfolio details

  • Born 2004 and earlier (College portfolio)
    College portfolio - U.S. Equity 9%, Domestic Stocks and Foreign Stocks 6%, Bonds 65%, Short-Term 20%

    What is your investment style?


    While each age-based portfolio has the same investment objective: capital appreciation with reasonable safety of principle, each portfolio option offers you a choice of 3 investment strategies. Do you prefer more actively managed funds that attempt to beat benchmark market indices over the long term? Or perhaps you prefer low-cost index funds that closely mirror the performance of a composite of major market indices? Your third option: A combination of the two.



    Fidelity Funds
    Uses primarily actively-managed Fidelity mutual funds that attempt to beat benchmark indices

    View portfolio details


    Fidelity Blend Funds
    Uses a combination of actively-managed and index Fidelity mutual funds

    View portfolio details


    Fidelity Index Funds
    Uses low-cost index Fidelity mutual funds that mirror market indices

    View portfolio details

Select from 3 portfolio types

A custom strategy allows you to build your own investment mix from the 3 portfolio types shown below. You may allocate money to any number of funds you'd like, in 5% increments that total 100%.
To view current portfolio performance, asset allocation, expense ratios, and other fund research, expand a portfolio type below, then select a portfolio name from the list.


View information on the funds' short-term performance, or average annual total returns by month or by quarter.

Please review the 529 plan Fact Kit for more detailed information.

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