Investing for K–12 goals

Consider our individual portfolios when investing for your K–12 goals. With this do-it-yourself strategy, you’ll select your own investments and manage your portfolio over time.

Choose the right investments for your goal

To determine which investments are right for you, start by thinking about when you'll need the money.

  1. Is your goal 1 year away or less?

If you'll need your money within a year, your main priority should be preserving your principal. Consider low-risk investments that are easy to access.

The plan offers the Interest Accumulation Portfolio as an option to consider for pursuing these short-term goals.

  1.  Is your goal more than 1 year away?

If you won't need the money for more than a year, you can consider additional investment options. Some types of investments offer greater potential to earn more toward your goal, but they also carry greater risk.

Our investor questionnaire makes it easy to get asset allocation recommendations in just a few minutes by answering some simple questions about your time frame, risk preferences, and financial situation.

Complete the investor questionnaire (Please note that if you open the link to the questionnaire, you'll be leaving the MOST 529 website and visiting the Vanguard website.)

Once you've gotten your recommended asset allocation, there are 2 ways to select investment options for your 529 account:

  • If you prefer an all-in-one choice with a mix of investments, consider one of the plan's multi-fund individual portfolios. See the plan's Program Description for an overview of each portfolio along with the asset allocations of the underlying investments.
  • If you'd like to build your own portfolio, select from the plan's individual portfolios to create the asset allocation you're comfortable with. The individual options cover all major asset classes—stocks, bonds, and short-term reserves.

To learn more about your options, select the Program Description link in the disclosure section at the bottom of each page of this website.

Don't forget to review your investments

Because investing in individual portfolios is a do-it-yourself strategy, it's a good idea to review your portfolio regularly to make sure it's still in line with your goals, time horizon, and risk tolerance.


  • You can only move money from 1 portfolio to another twice a year.
  • Your portfolio won't automatically become more conservative over time.
  • You should revisit your allocation periodically, especially if there are changes to your savings time horizon, risk tolerance, or personal situation.