Investment Basics
Is your child a toddler, "tween," or teenager? Do you believe in taking some risk or are you a conservative investor? Are you hands-on or do you prefer to keep it simple?
Don't worry - investing doesn't have to be complicated. Indiana529 Direct offers a range of investment options that will match your needs, no matter your comfort level.
What am I investing in?
No matter your risk tolerance, remember that 529 plans structure and limit the investment options so you don't get hung up by not knowing what to select. When you invest in a 529 plan you are purchasing municipal fund securities, the value of which will vary with market conditions.
What is a portfolio?
A portfolio in Indiana529 Direct is also called an Investment Option. It’s generally comprised of underlying investments that could be stocks, bonds, and capital preservation options.
How do I know which portfolio is right for me?
Some portfolios automatically adjust as your beneficiary nears enrollment age, while other portfolios are designed for those who want to pick and choose individual options themselves. Your portfolio selection is completely up to you and your investing comfort level.
Investment options
Choose by Enrollment Year or Pick Your Own.
Choose the investment option that best aligns with your goals.
Year of Enrollment Portfolios are target-date investments that change automatically based on time horizon.
Portfolios automatically adjust their investment mix from more aggressive to more conservative as the enrollment year approaches. Portfolios with a longer time horizon emphasize stock mutual funds for their growth potential, then shift to an emphasis on bond investments and capital preservation investments.
We are unable to display performance information at this time. Please refresh the page or check back later.
Portfolio Prices and Performance
Enrollment-Based Portfolios
Each Enrollment-Based Portfolio is composed of various T. Rowe Price mutual funds. The portfolio's investments automatically shift as the target year is approached. When the target year is further off, the portfolio starts with a greater exposure to stocks to focus on growth potential and then shifts over time to bond funds, with the goal of reducing risk and volatility as the target year nears.
1 The APY is net of program management and or state administrative fees. See the plan disclosure for more info.
As a result of investing in undervalued sectors of the market as well as in non-investment grade securities, the Portfolio may at times experience periods of high volatility, especially when the market itself is experiencing dramatic volatility.
** Since Inception returns for less than one year are not annualized.
The performance data shown represents past performance. Past performance - especially short-term past performance - is not a guarantee of future results. Investment returns and principal value will fluctuate, so investors' units, when sold, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data cited. For performance data current to the most recent quarter-end, click here.
Except for the Savings Portfolio, investments in Indiana529 Direct Savings Plan are not insured by the Federal Deposit Insurance Corporation (FDIC).
Want a more active role in your education savings? Choose from a range of investment styles offered by a variety of respected money managers.
For those looking for lower-risk options where capital preservation is the primary goal, Indiana529 Direct offers two options:
- Savings Portfolio: This FDIC-insured option seeks to provide current income with limited volatility.1
- Stable Value Portfolio: Seeks to provide bond like income without risk to initial investment.
We are unable to display performance information at this time. Please refresh the page or check back later.
Portfolio Prices and Performance
Individual portfolios
1 The APY is net of program management and or state administrative fees. See the plan disclosure for more info.
As a result of investing in undervalued sectors of the market as well as in non-investment grade securities, the Portfolio may at times experience periods of high volatility, especially when the market itself is experiencing dramatic volatility.
** Since Inception returns for less than one year are not annualized.
The performance data shown represents past performance. Past performance - especially short-term past performance - is not a guarantee of future results. Investment returns and principal value will fluctuate, so investors' units, when sold, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data cited. For performance data current to the most recent quarter-end, click here.
Except for the Savings Portfolio, investments in CollegeChoice 529 Direct Savings Plan are not insured by the Federal Deposit Insurance Corporation (FDIC).
FAQS
Learn More About Investing
Yes! You can change the direction of your future contributions at any time. Federal law permits you to move the existing assets in your Indiana529 Direct account to a different mix of investment options twice per calendar year.
No. Indiana529 Direct is not insured or guaranteed, with the exception of the Savings Portfolio, which is insured by the FDIC. Investment returns will vary depending upon the performance of the Portfolios you choose. Depending on market conditions, you could lose all or a portion of your investment.
