Explore Your 529 Plan Investment Options
We know that choosing investment options can be overwhelming, but The Education Plan® can help make it easy. With a range of professionally managed investments, your Education Plan account has the flexibility to meet your investment needs.
Select your investment approach:
When Will the Beneficiary Need the Funds?
When Will the Beneficiary Need the Funds?
Use the arrows below to select the anticipated number of years the Beneficiary will need the funds.
To view a more details, visit our pricing and performance page.
Allocation information updated 9/2/22
Fund Overview & Analysis
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US Equity
This provides exposure to U.S. domiciled companies in a broad range of sectors with the potential for capital appreciation and income.
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Non-US Equity
This provides exposure to companies outside the U.S. which represent more than half the world’s companies. Provides exposure to growth and income and can potentially lower volatility by spreading exposure globally.
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Real Estate
The Real Estate sector is primarily made up of companies that own commercial real estate properties. These stocks provide growth and income potential as well as potential diversification benefits as they may act differently than other equities, particularly in down markets.
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U.S. Fixed Income
These include investments in U.S. government and corporate debt with the goal of income generation, diversification to protect against equity volatility and sometimes capital appreciation.
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Non-US Fixed Income
Invests in a range of bonds issued by foreign governments and corporations. They provide income generation and may help diversify by spreading exposure across many geographies.
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Capital Preservation
Seeks to provide a low-risk, stable investment option. Offers participants competitive yields and limited volatility, with a guarantee of principal and accumulated interest.
Enrollment-Based Portfolio Holdings
Year of Enrollment Portfolio Fees
(1) This total is assessed against assets over the course of the year and includes the annualized Underlying Investment Fee, annualized Program Management Fee, and annualized Board Administrative Fee. Please refer to the following table that shows total approximate costs for a $10,000 investment over 1-, 3-, 5-, and 10-year periods.
(2) Fees are based on the expenses of the Underlying Investments as of June 30, 2021. The Underlying Investment Expenses include investment advisory fees, administrative, and other expenses, which are paid to the Investment Managers. The Annualized Underlying Investment Expenses may increase or decrease over time.
(3) The yield of the New York Life Guaranteed Interest Account is lowered by 0.20% to compensate New York Life for risk and administration costs. New York Life pays 0.10% to the Program Manager for recordkeeping and other services. This will lower the return of the Capital Preservation Portfolio.
Eight allocation-based portfolios consisting of a mix of underlying funds are available and designed to match a desired risk level and investment management style.
Static Allocation Active Portfolio Holdings
Static Active Portfolio Fees
(1) This total is assessed against assets over the course of the year and includes the annualized Underlying Investment Fee, annualized Program Management Fee, and annualized Board Administrative Fee. Please refer to the following table that shows total approximate costs for a $10,000 investment over 1-, 3-, 5-, and 10-year periods.
(2) Fees are based on the expenses of the Underlying Investments as of June 30, 2021. The Underlying Investment Expenses include investment advisory fees, administrative, and other expenses, which are paid to the Investment Managers. The Annualized Underlying Investment Expenses may increase or decrease over time.
(3) The yield of the New York Life Guaranteed Interest Account is lowered by 0.20% to compensate New York Life for risk and administration costs. New York Life pays 0.10% to the Program Manager for recordkeeping and other services. This will lower the return of the Capital Preservation Portfolio.
Static Allocation Passive Portfolio Holdings
Static Passive Portfolio Fees
(1) This total is assessed against assets over the course of the year and includes the annualized Underlying Investment Fee, annualized Program Management Fee, and annualized Board Administrative Fee. Please refer to the following table that shows total approximate costs for a $10,000 investment over 1-, 3-, 5-, and 10-year periods.
(2) Fees are based on the expenses of the Underlying Investments as of June 30, 2021. The Underlying Investment Expenses include investment advisory fees, administrative, and other expenses, which are paid to the Investment Managers. The Annualized Underlying Investment Expenses may increase or decrease over time.
(3) The yield of the New York Life Guaranteed Interest Account is lowered by 0.20% to compensate New York Life for risk and administration costs. New York Life pays 0.10% to the Program Manager for recordkeeping and other services. This will lower the return of the Capital Preservation Portfolio.
Five individual portfolios are available to create your own personalized investment mix. These portfolios consist of a single underlying fund made up of a mix of similar types of investments and risk levels.
Individual Portfolios
Individual Portfolio Fees
(1) This total is assessed against assets over the course of the year and includes the annualized Underlying Investment Fee, annualized Program Management Fee, and annualized Board Administrative Fee. Please refer to the following table that shows total approximate costs for a $10,000 investment over 1-, 3-, 5-, and 10-year periods.
(2) Fees are based on the expenses of the Underlying Investments as of June 30, 2021. The Underlying Investment Expenses include investment advisory fees, administrative, and other expenses, which are paid to the Investment Managers. The Annualized Underlying Investment Expenses may increase or decrease over time.
(3) The yield of the New York Life Guaranteed Interest Account is lowered by 0.20% to compensate New York Life for risk and administration costs. New York Life pays 0.10% to the Program Manager for recordkeeping and other services. This will lower the return of the Capital Preservation Portfolio.
Eleven Portfolios are available based on your beneficiary’s anticipated year of enrollment*. As the year of enrollment approaches, the underlying investments will automatically change to match the shortening time horizon and appropriate risk levels.
*Assuming enrollment at age 18. Depending on your beneficiary’s intended year of enrollment, you may want to consider a different investment approach.
Enrollment-Based Portfolio Holdings
Year of Enrollment Portfolio Fees
(1) This total is assessed against assets over the course of the year and includes the annualized Underlying Investment Fee, annualized Program Management Fee, and annualized Board Administrative Fee. Please refer to the following table that shows total approximate costs for a $10,000 investment over 1-, 3-, 5-, and 10-year periods.
(2) Fees are based on the expenses of the Underlying Investments as of June 30, 2021. The Underlying Investment Expenses include investment advisory fees, administrative, and other expenses, which are paid to the Investment Managers. The Annualized Underlying Investment Expenses may increase or decrease over time.
(3) The yield of the New York Life Guaranteed Interest Account is lowered by 0.20% to compensate New York Life for risk and administration costs. New York Life pays 0.10% to the Program Manager for recordkeeping and other services. This will lower the return of the Capital Preservation Portfolio.
Ready to get started? Opening an account is easy and only takes about 15 minutes!
You'll need the following for yourself and the beneficiary you're enrolling:
Beneficiary's Date of Birth
Beneficiary's Social Security Number or Tax Identification Number (TIN)
Your Social Security Number or TIN
U.S. Street address (not P.O. Box)
