Skip to main content

EXPLORE YOUR 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:


This approach is based on the beneficiary's year of enrollment. It consists of a blend of investments assuming enrollment at age 18* that automatically changes to match the shortening time horizon and appropriate risk levels.

Depending on your beneficiary's intended enrollment year, you may want to consider a different investment strategy

This "do-it-yourself" approach* allows you to choose any combination of portfolios available in the plan equaling 100%. Portfolios include Year of Enrollment, Static and Active Allocation, and Individual funds.

*Generally, this approach is for experienced investors who are comfortable selecting their own investment strategy or for those who may have different investment objectives.

When Will the Beneficiary Need the Funds?

This approach is based on the beneficiary's year of enrollment. It consists of a blend of investments that automatically changes to match the shortening time horizon and appropriate risk levels.

  • 19+ years
  • 17-18 years
  • 16-15 years
  • 13-14 years
  • 11-12 years
  • 9-10 years
  • 7-8 years
  • 5-6 years
  • 3-4 years
  • 1-2 years
  • Your Dynamic Investment Portfolio: 2038 - 2039



    AVAILABLE OPTIONS

    click on highlighted section for more information on portfolio

    Allocation Portfolios

    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.

    Passively Managed Allocation Portfolios
    Asset Classes Product 100% Equity Index Portfolio 75% Equity Index Portfolio 50% Equity Index Portfolio 25% Equity Index Portfolio
    US Equity Vanguard Total Stock Market Index Instl Plus 54% 40.50% 27% 13.50%
    US Real Estate Schwab US REIT 6% 4.50% 3% 1.50%
    Non-US Equity Vanguard Developed Markets 30% 22.50% 15% 7.50%
    Emerging Market Equity SPDR© Portfolio Emerging Markets ETF 10% 7.50% 5% 2.50%
    Core Fixed Income Vanguard Total Bond Market II Index I 0% 8.75% 16.25% 22.50%
    Short Term Inflation Protected Vanguard Short Term Inflation Protected Securities Fund 0% 2.625% 4.875% 6.75%
    High Yield Corporate Vanguard High Yield Corporate Fund Adm 0% 1.75% 3.25% 4.50%
    Non-US Fixed Income iShares International Aggregate ETF 0% 4.375% 8.125% 11.25%
    Short-Term Government Vanguard Short Term Treasury Index Instl 0% 7.50% 17.50% 30%
    Actively Managed Allocation Portfolios
    Asset Classes Product 100% Active Equity Portfolio 75% Active Equity Portfolio 50% Active Equity Portfolio 25% Active Equity Portfolio
    US Equity American Funds Fundamental Invs F3 54% 40.50% 27% 13.50%
    US Real Estate TIAA CREF Real Estate Sec Instl 6% 4.50% 3% 1.50%
    Non-US Equity DFA International Core Equity I 30% 22.50% 15% 7.50%
    Emerging Market Equity DFA Emerging Markets Core Equity I 10% 7.50% 5% 2.50%
    Core Fixed Income TIAA CREF Bond Plus instl 0% 8.75% 16.25% 22.50%
    Inflation Protected DFA Inflation-Protected Securities I 0% 2.625% 4.875% 6.75%
    Ultra Short-Term Bond Vanguard Ultra Short-Term Bond Admiral 0% 1.75% 3.25% 4.50%
    Global Fixed Income Prudential Global Total Return R6 0% 4.375% 8.125% 11.25%
    Capital Preservation New York Life GIA 10 0% 7.50% 17.50% 30%

    Individual Portfolios

    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.

    Underlying Funds Ticker Capital Preservation Portfolio Short-Term Index Portfolio Bond Index Portfolio US Equity Portfolio Social Choice Portfolio
    NY Life GIA 10 100%
    Vanguard Short Term Treasury Index Instl VSBIX 100%
    Vanguard Total Bond Market ETF BND 100%
    Vanguard Total Stock Market Index Instl Plus VSMPX 100%
    TIIA-CREF Social Equity Instl TISCX 100%

    Year of Enrollment Portfolios

    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.
    Asset Classes Product 2038-2039 2036-2037 2034-2035 2032-2033 2030-2031 2028-2029 2026-2027 2024-2025 2022-2023 2020-2021 Enrollment Portfolio
    US Equity Vanguard Total Stock Market Index Instl Plus 48.60% 47.70% 44.10% 40.50% 36.90% 33.30% 28.350% 22.50% 15.30% 8.10% 5.40%
    Real Estate Schwab US REIT 5.40% 5.30% 4.90% 4.50% 4.10% 3.70% 3.15% 2.50% 1.70% 0.90% 0.60%
    Non-US Equity Vanguard Developed Markets/SPDR© Portfolio Emerging Markets ETF 36.00% 35.3333% 32.6667% 30.00% 27.3333% 24.6667% 21.00% 16.6667% 11.3333% 6.00% 4.00%
    Non-US Fixed iShares International Aggregate ETF/Vanguard High Yield Corporate Fund Adm 3.50% 3.7916% 4.9584% 6.1250% 7.2916% 8.4584% 10.50% 12.8334% 15.1666% 12.25% 10.50%
    US Fixed Vanguard Total Bond Market II Index I/Vanguard Short Term Inflation Protected Securities Fund 6.50% 7.0417% 9.2083% 11.3750% 13.5417% 15.7083% 19.50% 23.8333% 28.1667% 22.75% 19.50%
    Capital Preservation New York Life GIA 10/Vanguard Short Term Treasury Index Instl 0% 0.8334% 4.1666% 7.50% 10.8334% 14.1666% 17.50% 21.6666% 28.3334% 50.00% 60.00%

    Opening an account with The Education Plan is easy. It 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)
    • Your bank routing number

    ENROLL ONLINE NOW!

    Enroll Today

    Please select how you would like to enroll below: