Individual Portfolios

Your Mix. Your Way.

Construct and manage your own investment strategy by choosing up to five of ISave 529’s 12 Individual Portfolios. This allows you to have more control over your investments, and you can choose from a variety of stock funds, bond funds, balanced funds and a short-term reserves option.

When constructing your strategy, keep in mind:

• You can only move money in your account from one portfolio to another twice per calendar year.

• The portfolios do not automatically become more conservative over time.

• Market movements may cause your overall investment mix to change, requiring you to rebalance to keep it in line with your strategy.

Click on a portfolio to learn more about the underlying investments, average annual returns and more.

Create Your Mix

Short-Term Reserve Portfolio

Portfolio Name	Investment Objective	Allocation
Interest Accumulation Portfolio	Seeks income consistent with the preservation of principal.	100% short-term reserves

Bond portfolios

Portfolio Name	Investment Objective	Allocation
Bond Index Portfolio	Seeks to track the performance of a broad, market-weighted bond index. In so doing, the Portfolio seeks to provide current income.	100% bonds
Short-Term Bond Index Portfolio	Seeks to track the performance of a market-weighted bond index with a short-term dollar-weighted average maturity.	100% bonds
Total International Bond Index Portfolio	Seeks to track the performance of a benchmark index that measures the investment return of non-U.S. dollar-denominated investment-grade bonds.	100% bonds
Conservative Income Portfolio	Seeks to provide current income.	75% bonds 25% short-term reserves

Balanced portfolios

Portfolio Name	Investment Objective	Allocation
Growth Portfolio	Seeks to provide capital appreciation and some income.	80% stocks 20% bonds
Moderate Growth Portfolio	Seeks to provide moderate levels of capital appreciation and income.	60% stocks 40% bonds
Conservative Growth Portfolio	Seeks to provide moderate levels of income and capital appreciation.	40% stocks 60% bonds
Income Portfolio	Seeks to provide income and some capital appreciation.	20% stocks 80% bonds

Stock portfolios

Portfolio Name	Investment Objective	Allocation
Total International Stock Index Portfolio Available only as an individual portfolio option.	Seeks to track the performance of a benchmark index that measures the investment return of stocks of developed and emerging markets, excluding the United States.	100% stocks
Aggressive Growth Portfolio	Seeks to provide capital appreciation.	100% stocks
Total Domestic Stock Index Portfolio	Seeks to track the performance of a benchmark index that measures the investment return of the overall stock market.	100% stocks

All investments are subject to risks. Foreign investing involves additional risks including currency fluctuations and political uncertainty. Investments in bonds are subject to interest rate, credit and inflation risk.

Vanguard Conservative Income Portfolio and Vanguard Interest Accumulation Portfolio both invest in Vanguard Short-Term Reserves Account, which, in turn, invests in Vanguard Federal Money Market Fund. The Vanguard Short-Term Reserves Account could lose money by investing in the Vanguard Federal Money Market Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.

Portfolios with higher allocations to bonds and short-term investments tend to be less volatile than those with higher stock allocations. Less volatile portfolios generally may not decline in value as much when markets decline, but also may not appreciate in value as much when markets rise.