At ISave 529, we celebrate the unique dreams your student aspires to achieve, and we understand your investment approach needs to be equally unique. This is why we offer two paths to give you choices – enrollment-based portfolios and a collection of individual portfolios. Whether you want your investments managed for you or you are looking to create your own strategy, we have options for every investor.
Professionally managed investments without the guesswork.
Choose one of ISave 529’s enrollment-based portfolios to have your investments managed for you. The money in your account is automatically moved from one investment to another within your chosen portfolio, gradually shifting from more aggressive to more conservative as your beneficiary approaches the year they are expected to use the funds.
The two tracks you can invest in are an Aggressive Track and a Moderate Track. The track and enrollment year you choose will determine how much of your investment is comprised of stocks, bonds or short-term reserves.
For example, if you expect your student to use their funds for higher education in the year 2036, you may consider the enrollment-based 2036 portfolio in either the moderate or aggressive option. You may also choose another portfolio if you would like your investments to be more aggressive or conservative. That’s the beauty of enrollment-based portfolios – flexibility.
Once you’ve estimated what year you plan to use your savings, use the drop-down menu or slider in the tool below to adjust the investments based on your comfort level.
Portfolios
Choose the number of years until you will first use your savings:
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Choose the number of years until you will first use your savings:
Enrollment-Based Portfolio Moderate Track
Enrollment-Based Portfolio Aggressive Track
All investing is subject to risk, including the possible loss of the money you invest. Investments in bonds are subject to interest rate, credit and inflation risk.
Several Enrollment-Based Portfolios 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.
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. |
25% short-term reserves
75% bonds |
Balanced Portfolios
| Portfolio Name | Investment Objective | Allocation |
|---|---|---|
| Growth Portfolio |
Seeks to provide capital appreciation and some income. |
20% bonds
80% stocks |
| Moderate Growth Portfolio |
Seeks to provide moderate levels of capital appreciation and income. |
40% bonds
60% stocks |
| 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
|
| Small-Cap Stock Index Portfolio |
Seeks to track the performance of a benchmark index that measures the investment return of small-capitalization stocks. |
100% stocks
|
| Large-Cap Stock Index Portfolio |
Seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks. |
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.
