Customized Options: Age-Based

How it works

The Customized Age-Based investment option allows you to determine and create your own investment allocation using any combination of the available my529 single-fund portfolios for each of 10 age brackets. 

You determine and customize the investment allocation for each of 10 age brackets. Consult your financial advisor before investing. If you do not fully understand the decisions you are making by selecting the Customized Age-Based investment option, you should consider whether this option is an appropriate choice.

Money invested in the Customized Age-Based option automatically reallocates to the new investment allocation that you have chosen when your beneficiary ages to the next bracket.

Age brackets

  • 0-3
  • 4-6
  • 7-9
  • 10-12
  • 13-14
  • 15
  • 16
  • 17
  • 18
  • 19+

Underlying funds

Choose from the my529 single-fund portfolios to create your customized option. The table below shows the portfolios and their corresponding underlying investments.

my529 Single-Fund Portfolios

Symbol

Corresponding Underlying Investment

Symbol
Global Blended Stocks and Bonds Global Blended Stocks and Bonds
my529 Global Allocation 60/40 UTDBX = DFA Global Allocation 60/40 Portfolio DGSIX
my529 Global Allocation 25/75 UTDCX = DFA Global Allocation 25/75 Portfolio DGTSX
Domestic Stocks Domestic Stocks
my529 Total Stock Market Index UTVTX = Vanguard Institutional Total Stock Market
Index Fund		 VSTSX
my529 Institutional Index UTVLX = Vanguard Institutional Index Fund VIIIX
my529 Value Index UTVVX = Vanguard Value Index Fund VIVIX
my529 US Large Cap Value UTDLX = DFA U.S. Large Cap Value Portfolio DFLVX
my529 Growth Index UTVGX = Vanguard Growth Index Fund VIGIX
my529 Mid Cap Index UTVMX = Vanguard Mid-Cap Index Fund VMCPX
my529 Small Cap Index UTVSX = Vanguard Small-Cap Index Fund VSCPX
my529 Small Cap Value Index1 UTVUX = Vanguard Small-Cap Value Index Fund VSIIX
my529 US Small Cap Value1 UTDSX = DFA U.S. Small Cap Value Portfolio DFSVX
my529 Small Cap Growth Index1 UTVKX = Vanguard Small-Cap Growth Index Fund VSGIX
my529 Real Estate Securities1 UTDRX = DFA Real Estate Securities Portfolio DFREX
my529 FTSE Social Index UTVFX = Vanguard FTSE Social Index Fund VFTNX
my529 US Sustainability UTDUX = DFA U.S. Sustainability Core 1 Portfolio DFSIX
International Stocks International Stocks
my529 Total International Stock Index UTVIX = Vanguard Total International Stock Index Fund VTPSX
my529 Developed Markets Index UTVDX = Vanguard Developed Markets Index Fund VDIPX
my529 International Value Factor1 UTDIX = DFA International Value Portfolio DFIVX
my529 International Value1 UTVJX = Vanguard International Value Fund VTRIX
my529 International Growth1 UTVWX = Vanguard International Growth Fund VWILX
my529 Emerging Markets Stock Index1 UTVEX = Vanguard Emerging Markets Stock Index Fund VEMRX
Global Stocks Global Stocks
my529 Global Equity UTDGX = DFA Global Equity Portfolio DGEIX
Domestic Bonds Domestic Bonds
my529 One-Year Fixed Income UTDOX = DFA One-Year Fixed Income Portfolio DFIHX
my529 Short-Term Investment-Grade UTVAX = Vanguard Short-Term Investment-Grade Fund VFSIX
my529 Short-Term Bond Index UTVNX = Vanguard Short-Term Bond Index Fund VBIPX
my529 Short-Term Inflation-Protected Sec Index UTVPX = Vanguard Short-Term Inflation-Protected Securities
Index Fund		 VTSPX
my529 Total Bond Market Index UTVBX = Vanguard Total Bond Market Index Fund VTBSX
my529 High-Yield Corporate1 UTVHX = Vanguard High-Yield Corporate Fund VWEAX
International Bonds International Bonds
my529 Total International Bond Index UTVOX = Vanguard Total International Bond Index Fund VTIFX
Global Bonds Global Bonds
my529 Five-Year Global Fixed Income UTDFX = DFA Five-Year Global Fixed Income Portfolio DFGBX
Principal Preservation Principal Preservation
my529 FDIC-Insured Portfolio UTFIX = FDIC-Insured Savings Account N/A
my529 Stable Value UTPSVX = PIMCO Interest Income Fund N/A

1An investment allocation to this fund may not exceed 25 percent in an account. For the Customized Age-Based investment option, this cap applies to the allocation for each age bracket. Therefore, the total operating expense ratio will reflect the weighted allocation to the underlying investments.

Performance

View the my529 Investment Option Performance Table.

Risks

Read the Program Description, Part 7, Investment Information, for information about specific risks for the underlying investments in the Customized Age-Based investment option.

Fees

View the my529 Asset Fee Structure Table. Use my529’s Customized Age-Based Fee and Allocation Calculator to determine your fees within the Customized Age-Based option.

 

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  • Fax: 800.214.2956
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Please Read. This Is Important.

Do not invest with my529 until you read the Program Description.

Read our Legal Notice & Disclaimer. If you are going to invest your money in a my529 account, we encourage you to learn how our college savings plan works. The Program Description explains the investment options, rules on contributions and withdrawals, tax benefits, fees, and risks. Your investment could lose value. Except for the FDIC-insured option, my529 investments aren’t guaranteed.

Important Legal Notice

Investing is an important decision. The investments in your account may vary with market conditions and could lose value. Carefully read the Program Description in its entirety for more information and consider all investment objectives, risks, charges and expenses before investing. For a copy of the Program Description, call 800.418.2551 or visit my529.org.

Account Value. Investments in my529 are not insured or guaranteed by my529, the Utah Board of Higher Education, the Utah Higher Education Assistance Authority Board of Directors, any other state or federal agency, or any third party. However, Federal Deposit Insurance Corporation (FDIC) insurance is provided for the FDIC-Insured investment option. In addition, my529 offers investment options that are partially insured for the portion of the respective investment option that that includes FDIC-insured accounts as an underlying investments. Units in my529 have not been registered with the United States Securities and Exchange Commission or with any state securities commission.

FDIC insurance is subject to limits set by federal law. Click here for more information about FDIC Insurance.

Non-Utah Taxpayers and Residents. The state in which you or your beneficiary pay taxes or live may offer a 529 plan that provides state tax or other benefits, such as financial aid, scholarship funds, and protection from creditors, not otherwise available to you by investing in my529. You should consider such benefits, if any, before investing in my529.

Consult an advisor. my529 does not provide legal, financial, investment, or tax advice, and the information provided on this website does not contain advice and cannot be construed as such or relied upon for those purposes. You should consult your own tax or legal advisor to determine the effect of federal and state tax laws on your particular situation.

Morningstar rating. A Morningstar Analyst Rating for a 529 college savings plan is not a credit or risk rating. Analyst ratings are subjective in nature and should not be used as the sole basis for investment decisions. Morningstar does not represent its analyst ratings to be guarantees. Please visit Morningstar.com for more information about the analyst ratings, as well as other Morningstar ratings and fund rankings.