Individual portfolios: Construct your strategy
If you want to manage your own investment strategy, College Savings Iowa 529 offers 10 individual portfolios to create your mix.
For investors seeking to have more control over their investment strategy, the 10 individual portfolios offer a variety of stock funds, bond funds, balanced funds and a short term reserves option.
When constructing your strategy, keep in mind:
- You can only move money from one portfolio to another twice a year.
- The portfolios do not automatically become more conservative over time.
- Market movements may cause your overall investment mix to change, requiring you to rebalance to keep it in line with your strategy.
Find the right mix
Before you choose from our individual portfolios, complete our asset allocation questionnaire to help you determine an appropriate mix of stocks, bonds and short-term investments for your college savings.
Determine your asset allocation External website opens in a new window
Short-term reserve portfolio
Interest Accumulation Portfolio
100% short-term reserves
Investment objective
Seeks income consistent with the preservation of principal.
Underlying investment
Bond portfolios
Investment objective
Seeks to track the performance of a broad, market-weighted bond index. In so doing, the Portfolio seeks to provide current income.
Underlying investment
100% Vanguard Total Bond Market Index Fund P D F document opens in a new window
Conservative Income Portfolio
75% bonds
25% short-term reserves
Investment objective
Seeks to provide current income.
Underlying investments
34.5% Vanguard Total Bond Market II Index Fund P D F document opens in a new window
22.5% Vanguard Total International Bond Index Fund P D F document opens in a new window
Balanced portfolios
Growth Portfolio
80% stocks
20% bonds
Investment objective
Seeks to provide capital appreciation and some income.
Underlying investments
48% Vanguard Institutional Total Stock Market Index Fund P D F document opens in a new window
32% Vanguard Total International Stock Index Fund P D F document opens in a new window
14% Vanguard Total Bond Market II Index Fund P D F document opens in a new window
6% Vanguard Total International Bond Index Fund P D F document opens in a new window
Moderate Growth Portfolio
60% stocks
40% bonds
Investment objective
Seeks to provide moderate levels of capital appreciation and income.
Underlying investments
36% Vanguard Institutional Total Stock Market Index Fund P D F document opens in a new window
24% Vanguard Total International Stock Index Fund P D F document opens in a new window
28% Vanguard Total Bond Market II Index Fund P D F document opens in a new window
12% Vanguard Total International Bond Index Fund P D F document opens in a new window
Conservative Growth Portfolio
40% stocks
60% bonds
Investment objective
Seeks to provide moderate levels of income and capital appreciation.
Underlying investments
24% Vanguard Institutional Total Stock Market Index Fund P D F document opens in a new window
16% Vanguard Total International Stock Index Fund P D F document opens in a new window
42% Vanguard Total Bond Market II Index Fund P D F document opens in a new window
18% Vanguard Total International Bond Index Fund P D F document opens in a new window
Income Portfolio
20% stocks
80% bonds
Investment objective
Seeks to provide income and some capital appreciation.
Underlying investments
12% Vanguard Institutional Total Stock Market Index Fund P D F document opens in a new window
8% Vanguard Total International Stock Index Fund P D F document opens in a new window
56% Vanguard Total Bond Market II Index Fund P D F document opens in a new window
24% Vanguard Total International Bond Index Fund P D F document opens in a new window
Stock portfolios
Total International Stock Index Portfolio
(Available only as an individual portfolio option.)
100% stocks
Investment objective
Seeks to track the performance of a benchmark index that measures the investment return of stocks of developed and emerging markets, excluding the United States.
Underlying investment
100% Vanguard Total International Stock Index Fund P D F document opens in a new window
Aggressive Growth Portfolio
100% stocks
Investment objective
Seeks to provide capital appreciation.
Underlying investments
60% Vanguard Institutional Total Stock Market Index Fund P D F document opens in a new window
40% Vanguard Total International Stock Index Fund P D F document opens in a new window
Total Domestic Stock Index Portfolio
(Available only as an individual portfolio option.)
100% stocks
Investment objective
Seeks to track the performance of a benchmark index that measures the investment return of the overall stock market.
Underlying investment
100% Vanguard Institutional Total Stock Market Index Fund P D F document opens in a new window