Investment Options

SMART529 Select offers a variety of investment portfolios tailored to individual investor's savings needs. You can even mix SMART529 Select investment portfolios for greater customization.

Age-Based Portfolios

With Age-Based Portfolios, deciding how to invest is easy. The asset allocation within each of our seven portfolios is tailored for children in a particular age group. As your child grows, assets are shifted from a more aggressive portfolio (100% equity) to a more conservative one (20% equity, 80% fixed income) providing greater growth potential when your child is younger, and increased capital preservation potential as your child approaches college. Tax-free transfers between investment options are allowed twice per calendar year.

For more information on the specific risks of these portfolios, please see the Offering Statement.

Static Portfolios

Because investors differ in how long they plan to invest and how much risk they are willing to take, SMART529 Select also offers ten Static Portfolios. Each one differs in its risk and return potential, from more aggressive portfolios invested entirely in equities, to more conservative bond portfolios that invest completely in fixed income securities.

In contrast to the Age-Based Portfolios, Static Portfolios do not change as the child ages. The account owner must decide when and if a change to the allocation is needed. Tax-free transfers between investment options are allowed twice per calendar year

 

For more information on the specific risks of these portfolios, please see the Offering Statement.

 

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Equity

  • Stock or shares of ownership or equity in a company.
  • Have historically offered the best growth opportunities over the long term as well as the highest risk and volatility.

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Fixed Income

  • Any type of investment that yields a regular (or fixed) return, including bonds, money market instruments or preferred stock.
  • Are less risky and volatile than stocks, but have historically produced lower returns.

 

 

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