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.
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.
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Born 2023—2025 (2042 portfolio)
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
Fidelity Blend Funds
Uses a combination of actively-managed and index Fidelity mutual funds
Fidelity Index Funds
Uses low-cost index Fidelity mutual funds that mirror market indices -
Born 2020—2022 (2039 portfolio)
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
Fidelity Blend Funds
Uses a combination of actively-managed and index Fidelity mutual funds
Fidelity Index Funds
Uses low-cost index Fidelity mutual funds that mirror market indices -
Born 2017—2019 (2036 portfolio)
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
Fidelity Blend Funds
Uses a combination of actively-managed and index Fidelity mutual funds
Fidelity Index Funds
Uses low-cost index Fidelity mutual funds that mirror market indices -
Born 2014—2016 (2033 portfolio)
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
Fidelity Blend Funds
Uses a combination of actively-managed and index Fidelity mutual funds
Fidelity Index Funds
Uses low-cost index Fidelity mutual funds that mirror market indices -
Born 2011—2013 (2030 portfolio)
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
Fidelity Blend Funds
Uses a combination of actively-managed and index Fidelity mutual funds
Fidelity Index Funds
Uses low-cost index Fidelity mutual funds that mirror market indices -
Born 2008—2010 (2027 portfolio)
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
Fidelity Blend Funds
Uses a combination of actively-managed and index Fidelity mutual funds
Fidelity Index Funds
Uses low-cost index Fidelity mutual funds that mirror market indices -
Born 2005—2007 (2024 portfolio)
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
Fidelity Blend Funds
Uses a combination of actively-managed and index Fidelity mutual funds
Fidelity Index Funds
Uses low-cost index Fidelity mutual funds that mirror market indices -
Born 2004 and earlier (College portfolio)
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
Fidelity Blend Funds
Uses a combination of actively-managed and index Fidelity mutual funds
Fidelity Index Funds
Uses low-cost index Fidelity mutual funds that mirror market indices
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.
Questions?
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