For people who invest directly in individual accounts (including IRAs and rollovers); in joint, brokerage, college savings, or small-business accounts; or in annuities.
For people who invest through their employer in a Vanguard 401(k), 403(b), or other retirement plan.
For retirement plan sponsors, consultants, and nonprofit representatives.
For broker-dealers, registered investment advisors, and trust or bank brokerage professionals.
Portfolios that adjust automatically
Consider age-based investment options for one-stop investing with almost no homework. You pick the option that matches your child's age and your risk level, and then we'll gradually move you to more conservative allocations as college gets closer.
You can also choose from individual portfolios and assemble an investment strategy that you monitor and change on your own.
When you invest in a 529 plan, your earnings grow tax-deferred, so more of your savings goes toward your main goal—financing a college education.
Choose one of the three age-based options, based on your tolerance for market risk.
The portfolio in which we start your age-based investing depends on your child's age. The younger your child, the more we invest your assets in stocks because you have time for the short-term fluctuations and the long-term potential for growth that stocks are historically known for. As your child grows older, your assets shift to more conservative portfolios that have higher concentrations in bonds or short-term investments. This gradual adjustment helps make your assets less vulnerable to market volatility as college bills get closer.
AIP is a quick, convenient way to transfer a fixed dollar amount automatically from your bank, savings and loan, or credit union to your Vanguard 529 account on a monthly or quarterly schedule.
Direct-sold 529 plans are plans purchased directly from the 529 plan sponsor or program manager without the help of an advisor or broker. These plans are typically less expensive because they don't have the additional fees and commission charges that often accompany broker-sold plans.
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