Enrollment Year Investment Portfolios

Things to consider

Your education savings goals

Families can also take advantage of the versatility of the Enrollment Year Investment Option to save for all types of qualified education expenses, including college/university, community college, trade schools, professional and graduate schools, qualified expenses when enrolled in a recognized postsecondary credentialing program, and K-12 qualified expenses.^* Click here for more information on the recent changes to qualified expenses.

Footnotes

1. ^*Withdrawals for qualified expenses at K-12 public, private, or religious schools, registered apprenticeship programs, recognized postsecondary credentialing programs, and student loan repayment can be withdrawn free from federal income tax.
   
   K-12 withdrawals are limited to $10,000 per year (increasing to $20,000 in 2026) for K-12 qualified expenses. Apprenticeship programs must be registered and certified with the Secretary of Labor under the National Apprenticeship Act. Student loan repayment subject to a lifetime limit of $10,000 per individual when using a 529 plan. To see which credentialing programs qualify please click here.↩
2. State tax treatment of withdrawals for K-12 Expenses, Apprenticeship Expenses, Postsecondary Credentialing Expenses, and Qualified Education Loan Repayments is determined by the state where you file state income tax. Withdrawals for K-12 Expenses are not Qualified Withdrawals for California tax purposes. Please consult with a tax advisor before withdrawing funds for any such expenses or loan repayments.

Your risk tolerance

What level of risk are you comfortable with? You can find out by answering our Risk Tolerance questions. If you are a conservative investor, you may wish to choose an earlier enrollment year portfolio regardless of the year your future student begins 4-year college/university, community college or technical school. More aggressive investors can select a later date. Investors aligning with their risk tolerance or seeking particular investment objectives can view asset allocation across enrollment year dates above to help guide their decision.