How to choose your investments

When you open an account, you'll be asked to choose investments. This requires some thought and a review of your options.

Follow these steps to get started:

1. Assess your comfort level with risk.

Before you choose your investments, you'll want to consider your investment personality. Are you a bit of a risk-taker, or do you tend to be more conservative? Maybe you fall somewhere in between.

2. Choose a strategy.

Decide if you want a portfolio that's professionally managed for you (age-based options—designed for higher education) or if you want to create your own mix of investments (individual portfolios) and manage it yourself over time.

3. Select your investments.

Review the available investment options, which cover all major asset classes—stocks, bonds, and short-term reserves. You can select up to 5 investments per account.

We offer 3 age-based options designed for saving for higher education expenses. As your child nears college age, each option will gradually move your savings from more aggressive investments, mostly stocks  , to investments balanced between stocks and bonds    , to more conservative investments, bonds   and short-term reserves  .

Stock portfolios


Balanced portfolios


Bond and short-term reserve portfolios




More aggressive
(more risk/reward)

More conservative
(less risk/reward)


If you prefer to manage your own investments, you can choose from our 13 individual portfolios and put together your own mix.

Note: There are also detailed descriptions for all of the investment options included in our Disclosure Booklet and Tuition Savings Agreement.

Read the Disclosure Booklet