With age-based portfolios, deciding how to invest is easy. The asset allocation within each of our nine age-based portfolios is tailored for children in a particular age group. Assets are automatically adjusted from a more aggressive portfolio to a more conservative one as the child grows older and nears college age.

Static portfolios are pre-set asset allocation models tailored to investment risk tolerance based on comfort with risk. SMART529's five static portfolios include an aggressive growth option with higher risk/reward potential, a growth option for those who want a high degree of growth but less risk than in an all-equity portfolio, a balanced option for those who want only a moderate amount of risk, a conservative balanced option for those who want a low to moderate amount of risk, and Checks and Balances, offering a diversified option.