Individual portfolios—You're in charge

If you want to manage your own investment strategy, we offer 16 options covering all the major asset classes and investing styles.

When constructing your own savings strategy, keep in mind:

  • You can only move money from one portfolio to another twice a year.
  • The portfolio won't automatically become more conservative over time.
  • Market movements may cause your overall investment mix to change, requiring you to rebalance to keep it in line with your strategy.

Tools to help you choose investments

Find the right asset mix

Use this questionnaire to find the right mix of stocks, bonds, and short-term investments. The results can help you choose portfolios.

View sample investment portfolios

Review nine ways you could mix and match individual portfolios, based on your comfort level with risk and your personal goals.

Stock portfolios

Vanguard Aggressive Growth Portfolio

 

100% stocks

Expense ratio: 0.23%

APPROPRIATE FOR INVESTORS:

  • Looking for a diversified portfolio of 100% stocks, including U.S. and international stock exposure.
  • Interested in index investments.
  • Whose beneficiary has many years until college.

UNDERLYING INVESTMENTS:

Vanguard Total Stock Market Index Portfolio

 

100% stocks

Expense ratio: 0.23%

APPROPRIATE FOR INVESTORS:

  • Who want exposure to the entire U.S. equity market.
  • Interested in index investments.
  • Whose beneficiary has many years until college.

UNDERLYING INVESTMENT:

Vanguard Total International Stock Index Portfolio

 

100% stocks

Expense ratio: 0.28%

APPROPRIATE FOR INVESTORS:

  • Looking to gain exposure to developed and emerging international economies.
  • Interested in index investments.
  • Whose beneficiary has many years until college.

UNDERLYING INVESTMENT:

DFA U.S. Large Cap Value Portfolio

 

100% stocks

Expense ratio: 0.47%

APPROPRIATE FOR INVESTORS:

  • Looking to include U.S. large-cap value stocks as part of their portfolio.
  • Interested in actively managed investments.
  • Seeking a complement to a well-diversified, long-term portfolio.
  • Whose beneficiary has many years until college.

UNDERLYING INVESTMENT:

DFA U.S. Small Cap Portfolio

 

100% stocks

Expense ratio: 0.57%

APPROPRIATE FOR INVESTORS:

  • Looking to include U.S. small-company stocks as part of their portfolio, possibly to diversify a portfolio of large-company stocks.
  • Interested in actively managed investments.
  • Seeking a complement to a well-diversified, long-term portfolio.
  • Whose beneficiary has many years until college.

UNDERLYING INVESTMENT:

DFA International Core Equity Portfolio

 

100% stocks

Expense ratio: 0.58%

APPROPRIATE FOR INVESTORS:

  • Looking to gain exposure to developed international economies.
  • Interested in actively managed investments.
  • Seeking a complement to a well-diversified U.S. stock portfolio.
  • Whose beneficiary has many years until college.

UNDERLYING INVESTMENT:

DFA U.S. Core Equity 1 Portfolio

 

100% stocks

Expense ratio: 0.39%

APPROPRIATE FOR INVESTORS:

  • Who want exposure to the entire U.S. equity market.
  • Interested in actively managed investments.
  • Whose beneficiary has many years until college.

UNDERLYING INVESTMENT:

Balanced portfolios

Vanguard Growth Portfolio

 

80% stocks

20% bonds

Expense ratio: 0.23%

APPROPRIATE FOR INVESTORS:

  • Looking for a diversified portfolio of stocks and bonds utilizing four Vanguard index funds.
  • Interested in investing primarily in U.S. stocks, with some international exposure and a mix of bonds.

UNDERLYING INVESTMENTS:

Vanguard Moderate Growth Portfolio

 

60% stocks

40% bonds

Expense ratio: 0.23%

APPROPRIATE FOR INVESTORS:

  • Looking for a diversified portfolio of stocks and bonds utilizing four Vanguard index funds.
  • Interested in investing a majority of their assets in U.S. stocks, along with some international stocks and a diversified mix of bonds.

UNDERLYING INVESTMENTS:

Vanguard Conservative Growth Portfolio

 

40% stocks

60% bonds

Expense ratio: 0.23%

APPROPRIATE FOR INVESTORS:

  • Looking for a diversified portfolio of stocks and bonds utilizing four Vanguard index funds.
  • Interested in investing a majority of their assets in bonds, along with a mix of U.S. stocks and some international stocks.

UNDERLYING INVESTMENTS:

Vanguard Income Portfolio

 

20% stocks

80% bonds

Expense ratio: 0.23%

APPROPRIATE FOR INVESTORS:

  • Looking for a diversified portfolio of stocks and bonds utilizing four Vanguard index funds.
  • Interested in investing a majority of their assets in bonds, along with a mix of U.S. stocks and some international stocks.

UNDERLYING INVESTMENTS:

Bond and short-term portfolios

Vanguard Total Bond Market Index Portfolio

 

100% bonds

Expense ratio: 0.23%

APPROPRIATE FOR INVESTORS:

  • Willing to accept a conservative to moderate level of bond risks.
  • Whose beneficiary is close to college age.
  • Who want to add a conservative investment to help balance a portfolio of more aggressive investments.

UNDERLYING INVESTMENT:

Vanguard Total International Bond Index Portfolio

 

100% bonds

Expense ratio: 0.31%

APPROPRIATE FOR INVESTORS:

  • Willing to accept a conservative to moderate level of bond risks.
  • Whose beneficiary is close to college age.
  • Wishing to diversify with bond holdings outside of the United States.

UNDERLYING INVESTMENT:

Vanguard Conservative Income Portfolio

 

75% bonds

25% short-term reserves

Expense ratio: 0.23%

APPROPRIATE FOR INVESTORS:

  • Interested primarily in a bond portfolio.
  • Looking to avoid volatility and higher-risk investments.
  • Whose beneficiary is close to college age.
  • Who want to add a conservative investment to help balance a portfolio of more aggressive investments.

UNDERLYING INVESTMENTS:

DFA Two-Year Global Fixed Income Portfolio

 

100% bonds

Expense ratio: 0.38%

APPROPRIATE FOR INVESTORS:

  • Willing to accept a conservative to moderate level of bond risks.
  • Wishing to diversify with bond holdings both inside and outside of the United States.
  • Who want to add a conservative investment to help balance a portfolio of more aggressive investments.
  • Whose beneficiary is close to college age.

UNDERLYING INVESTMENT:

Vanguard Interest Accumulation Portfolio

 

100% short-term reserves

Expense ratio: 0.23%

APPROPRIATE FOR INVESTORS:

  • Looking to invest in the most conservative portfolio offered by MOST 529.
  • Whose beneficiary is close to college age.
  • Who want to avoid volatility and higher-risk investments.
  • Who want to add a conservative investment to help balance a portfolio of more aggressive investments.

UNDERLYING INVESTMENT:

  • 100% Vanguard Short-Term Reserves Account