Investment Options
Whether you want to grow assets for college or preserve what you've already earned, the Advisor-Guided Plan offers investment options to meet your unique goals, timeframe and risk tolerance.
Your professional can help you choose from three distinct approaches to gain access to underlying funds from J.P. Morgan as well as exchange-traded funds from State Street Global Advisors.
Age-Based Portfolio
This approach simplifies investing to one easy decision. Your assets start in a globally diversified portfolio appropriate for the account beneficiary’s age and then automatically become more conservative as college gets closer. The goal is to maximize return potential in early years and reduce risks when you need to protect capital and generate income for college expenses.
How does it work?
Select this option and let J.P. Morgan handle the rest.
Select your target age
Age 0-5
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.
Age 6-8
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.
Age 9-10
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.
Age 11-12
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.
Age 13
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.
Age 14
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.
Age 15-16
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.
Age 17
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.
Age 18+
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.
The asset allocation shown in the above chart represents strategic allocations as of December 2, 2022, and may be modified over short to intermediate term.
Asset Allocation Portfolios
Like the age-based portfolio, these portfolios are broadly diversified across markets and portfolio managers. The difference is that the asset mix in an asset allocation portfolio stays the same unless you and your financial professional decide to switch to a different investment pursuing a different objective.
How does it work?
- Choose your portfolio(s)
- Switch portfolios as your needs change over time
Select your portfolio
JPMorgan 529 Aggressive Portfolio
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments, and discuss ways to maximize the Plan's benefits.
JPMorgan 529 Moderate Growth Portfolio
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments, and discuss ways to maximize the Plan's benefits.
JPMorgan 529 Moderate Portfolio
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments, and discuss ways to maximize the Plan's benefits.
JPMorgan 529 Conservative Growth Portfolio
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments, and discuss ways to maximize the Plan's benefits.
JPMorgan 529 Conservative Portfolio
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments, and discuss ways to maximize the Plan's benefits.
JPMorgan 529 College Portfolio
Consult with your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments, and discuss ways to maximize the Plan's benefits.
Individual Portfolios
For maximum customization potential, you and your financial professional can choose individual portfolios, each investing in a single underlying asset class. Select one individual portfolio to round out your existing holdings or combine several to create and control an asset mix customized to your specific needs.
How does it work?
- Choose your portfolio(s)
- Decide how much to allocate to each
- Adjust your portfolio mix as appropriate
| ASSET CLASS | INDIVIDUAL PORTFOLIOS |
|---|---|
| U.S. Equity |
|
| Global Equity | |
| International Equity |
|
| Alternative | |
| Fixed Income | |
| Capital Preservation |
Consult your financial professional
Work with your financial professional to develop your college savings plan. Together, you can determine your college goals, open an account, choose investments and discuss ways to maximize the Plan's benefits.
FAQs
Q. Can I change how my contributions are invested?
A. Federal law allows you to reallocate existing plan assets twice every calendar year or when changing beneficiaries. You can change how future contributions are invested at any time.
Need more information? Find answers to all your college savings questions here >