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529 Plan Investment Options

Plan Overview Tax Benefits Investment Details Investment Advisors College Planning Essentials Resources Calculators

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.

 

Select your target age to view the related portfolio.

JPMorgan 529 Aggressive Age-Based Portfolio [Age 0-5]

U.S. Large/Multi Cap Dot 49.00%
U.S. Small Cap Equity Dot 8.00%
REITS Dot 7.00%
International and EME Dot 31.00%
Fixed Income Dot 5.00%
Money Market Dot 0.00%
Pie Chart
 
 

Consult your financial advisor

Work with your financial advisor 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.

 

Asset Allocation Porfolios

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 advisor decide to switch to a different investment pursuing a different objective.

Select your portfolio

JPMorgan 529 Aggressive Portfolio

U.S. Large/Multi Cap Dot 49.00%
U.S. Small Cap Equity Dot 8.00%
REITS Dot 7.00%
International and EME Dot 31.00%
Fixed Income Dot 5.00%
Money Market Dot 0.00%
Pie Chart
 
 

Consult your financial advisor

Work with your financial advisor 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 advisor 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.

ASSET CLASS INDIVIDUAL PORTFOLIOS
U.S. stocks
Dot JPMorgan 529 Equity Income Portfolio
Dot JPMorgan 529 Growth Advantage Portfolio
Dot JPMorgan 529 Large Cap Growth Portfolio
Dot JPMorgan 529 Mid Cap Value Portfolio
Dot JPMorgan 529 Small Cap Growth Portfolio
Dot JPMorgan 529 Small Cap Value Portfolio
Dot SSgA 529 Dow Jones Total Market ETF Portfolio
Dot SSgA 529 S&P 600 Small Cap ETF Portfolio
International stocks
Dot JPMorgan 529 International Equity Portfolio
Dot SSgA 529 MSCI ACWI ex-US ETF Portfolio
Dot SSgA 529 S&P World ex-US ETF Portfolio
Alternative
Dot JPMorgan 529 Realty Income Portfolio
Fixed Income
Dot JPMorgan 529 Core Bond Portfolio
Dot JPMorgan 529 Real Return Portfolio
Dot JPMorgan 529 Short Duration Bond Portfolio
Money Market
Dot JPMorgan 529 Prime Money Market Portfolio
 

Consult your financial advisor

Work with your financial advisor 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.

Meet the Investment Managers

J.P. Morgan Asset Management, Inc.

J.P. Morgan Asset Management is a leading investment manager of choice for institutions, financial intermediaries and individual investors, worldwide. With a heritage of more than two centuries, a broad range of core and alternative strategies, and investment professionals operating in every major world market, we offer valuable investment experience and insight aimed at helping you reach your investment goals.

Global Multi-Asset Group [GMAG]

Within J.P. Morgan, GMAG develops a broad range of tailored portfolios and target date strategies. For Advisor-Guided Plan portfolios, GMAG will allocate assets, select underlying investments, monitor holdings and make adjustments based on each portfolio's risk-return objectives and changing market conditions.

State Street Global Advisors Funds Management

SSgA FM manages the exchange traded fund portfolios available in the new investment line up. They have attained industry leadership with the SPDR® family of ETFs, including first-to-market launches with gold, international real estate and fixed income and sector ETFs.1

Getting started

New York’s 529 Advisor-Guided College Savings Program is sold exclusively through financial advisors. Contact your financial advisor to learn more about how the Plan may help you achieve college savings needs. Your financial advisor can help you identify your goals, open an account, select the appropriate investment options, and discuss ways to maximize the Plan’s benefits.

*The Portfolio's investment in the JPMorgan Prime Money Market Fund is neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although the JPMorgan Prime Money Market Fund seeks to preserve the value of your investment at $1.00 per share, it is possible that the Portfolio may lose money by investing in the Fund.

The asset allocation shown in the above chart is as of October 31, 2011. It represents tactical allocations and therefore may be modified over short to intermediate term.

INVESTMENTS ARE NOT FDIC INSURED, MAY LOSE VALUE AND ARE NOT BANK GUARANTEED.

Before you invest, consider whether your or the beneficiary's home state offers any state tax or other benefits that are only available for investments in that state's qualified tuition program.

The Comptroller of the State of New York and the New York State Higher Education Services Corporation are the Program Administrators and are responsible for implementing and administering the Advisor-Guided Plan. Neither the State of New York nor its agencies insures accounts or guarantees the principal deposited therein or any investment returns on any amount or investment portfolio.

Upromise Investments, Inc. and Upromise Investment Advisors, LLC serve as Program Manager and Recordkeeping and Servicing Agent, respectively, and are responsible for day-to-day operations, including effecting transactions. J.P. Morgan Investment Management Inc. serves as the Investment Manager. J.P. Morgan Asset Management is the marketing name for the asset management businesses of JPMorgan Chase & Co. JPMorgan Distribution Services, Inc. markets and distributes the Advisor-Guided Plan. JPMorgan Distribution Services, Inc. is a member of FINRA/SIPC.

New York's 529 College Savings Program includes two separate 529 plans. The Advisor-Guided Plan is sold exclusively through financial advisors who have entered into Advisor-Guided Plan selling agreements with JPMorgan Distribution Services, Inc. You may also participate in the Direct Plan, which is sold directly by the Program and offers lower fees. However, the investment options available under the Advisor-Guided Plan are not available under the Direct Plan. The fees and expenses of the Advisor-Guided Plan include compensation to the financial advisor. Be sure to understand the options available before making an investment decision.

For more information about New York's 529 Advisor-Guided College Savings Program, you may contact your financial advisor or obtain an Advisor-Guided Plan Disclosure Booklet and Tuition Savings Agreement at www.ny529advisor.com or by calling 1-800-774-2108. This document includes investment objectives, risks, charges, expenses, and other information. You should read and consider it carefully before investing.

The Program Administrators, the Program Manager and JPMorgan Distribution Services, Inc., and their respective affiliates do not provide legal or tax advice. This information is provided for general educational purposes only. This is not to be considered legal or tax advice. Investors should consult with their legal or tax advisors for personalized assistance, including information regarding any specific state law requirements.

College Planning Essentials
College Planning Essentials