Determine an Asset Allocation for Higher Education Savings

One of the most important decisions you'll make in determining your college savings strategy is your asset allocation, or how to invest among stocks, bonds, and short-term reserves. The allocation strategy that's best for you depends on your investor temperament, which is a reflection of your risk tolerance.

It's a good idea to check your asset allocation at least once a year to make sure you’re on track toward meeting your investment goals.

Take our questionnaire to help you determine your investor temperament and a suitable asset allocation. This tool is designed for higher education savings goals and may not be appropriate for K–12 time horizons.

For information about how our asset allocation questionnaire works, read the assumptions and limitations.

Option 1—Take the questionnaire


Option 2—Select your temperament

If you’re not sure of your investor temperament, take our questionnaire to help you determine it and a suitable asset allocation.


If you already know your investor temperament, select it here and find out your suitable asset allocation.

Investor temperament

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