Investment Options

Savings Planning Tool

See how your savings can grow with our enhanced Florida 529 Savings Plan, now exclusively for Florida residents.

When your child is 18, your savings could be around

$250,000

Graph represents estimated savings progress towards
estimated cost of college: $0

Expand to adjust your results
5% Assumed Rate of Return
1% 20%
Your child is
Institution Type
Monthly Contribution
$
Initial Contribution
$

Calculations are for one (1) child

My child's age is:
My monthly contribution
$

Investment options to choose from

Simplified
Customizable

Age-Based Option

Our most popular account, the Age-Based/Years to Enrollment Portfolio, allocates funds based on student age and risk tolerance, automatically adjusting over time.

Age-Based Portfolio

The portfolio utilizes both active and passive investment strategies and seeks to provide an asset allocation profile that links the amount of volatility in the Portfolio directly to the investment horizon.

The portfolio allocates funds between return seeking assets (stocks, bank loans, emerging market debt, and high yield bonds) and risk reducing assets (core bonds, TIPs, and money market) based on student age. Over time, the investment transitions from majority-return seeking to majority-risk reducing. Return seeking assets generally exhibit higher returns but may present more risk/volatility – a balance most appropriate for a long investment horizon. As the student approaches college-age, funds are invested in more risk reducing assets, which generally exhibit less risk/volatility.

Annual Fee: 0.15-0.21% (15-21 bps)
Benchmark: Weighted on pro-rata share of benchmarks for included Asset Classes

Baby to Grad Investment Chart

Customizable Portfolio:

Create your own portfolio from six predesigned portfolio options and seven individual fund options that include money market, bond and stock choices.

Static Options

We offer six static portfolios; the investment allocation of these portfolios is constant over time and will not change based on the age of the student.

Multi-Manager Growth Portfolio

The portfolio seeks to provide an opportunity for meaningful growth of capital, over a long investment horizon, in diversified active and passive investments.

Annual Fee: 0.21% (21 bps)
Benchmark: Weighted on pro-rata share of benchmarks for included Asset Classes

conservative

aggressive

Multi-Manager Blended Portfolio

The portfolio seeks to provide a balance of capital appreciation and current income.

Annual Fee: 0.19% (19 bps)
Benchmark: Weighted on pro-rata share of benchmarks for included Asset Classes

conservative

aggressive

Multi-Manager Income Portfolio

The portfolio seeks to provide current income through investing in diversified investment strategies focused on income.

Annual Fee: 0.22% (22 bps)
Benchmark: Weighted on pro-rata share of benchmarks for included Asset Classes

conservative

aggressive

Passive Growth Portfolio

The portfolio seeks to provide an opportunity for meaningful growth of capital, over a long investment horizon, in diversified passive investments.

Annual Fee: 0.070% (7 bps)
Benchmark: Weighted on pro-rata share of benchmarks for included Asset Classes

conservative

aggressive

Passive Blended Portfolio

The portfolio seeks to provide a balance of capital appreciation and current income.

Annual Fee: 0.070% (7 bps)
Benchmark: Weighted on pro-rata share of benchmarks for included Asset Classes

conservative

aggressive

Passive Income Portfolio

The portfolio seeks to provide current income through investing in diversified passive investment strategies focused on income.

Annual Fee: 0.090% (9 bps)
Benchmark: Weighted on pro-rata share of benchmarks for included Asset Classes

conservative

aggressive

Individual Fund Options

These give you a wide range of options across the risk/return spectrum to diversify your investment and to meet your level of comfort.

Money Market Fund

The fund seeks to provide, in priority order, safety, liquidity and competitive returns with minimization of risks. Short-term, high-quality fixed income securities rated in the highest short-term rating category by one or more nationally recognized rating service, or in comparable securities.

Manager: Florida Prime
Annual Fee: 0.03% (3bps)
Benchmark: Merrill Lynch 91 day T Bill
Ticker: Exclusive (fund not publicly available)

conservative

aggressive

Core Fixed Income Fund

This primarily seeks to provide current income through investing in domestic investment grade, fixed income securities that are consistent with minimal fluctuation of principal. Broad exposure to primarily investment grade fixed income including, but not limited to, U.S. Treasury securities, corporate bonds, mortgage-related securities, and asset-backed securities with one to ten years to maturity and an outstanding par value of $250 million or greater.

Manager: Wellington
Annual Fee: 0.15% (15 bps)
Benchmark: Bloomberg Barclays Aggregate
Ticker: Exclusive (fund not publicly available)

conservative

aggressive

Domestic Equity Index Fund

The Fund is invested in Vanguard Total Stock Market Index Fund and seeks to track the performance of a broad, market-weighted bond index Broad exposure to U.S. companies which represents approximately 100% of the investable U.S. stock market and includes large-, mid-, small, and micro-cap stocks.

Manager: Vanguard
Annual Fee: 0.02% (2 bps)
Benchmark: CRSP US Total Market Index
Ticker: VSMPX

conservative

aggressive

Large Cap Value Equity Fund

The fund seeks to provide meaningful growth of capital by investing in large capitalization value stocks. Broad exposure to large U.S. companies, similar to those in the Russell 1000 Value Index; selected based on value characteristics.

Manager: QMA
Annual Fee: 0.15% (15 bps)
Benchmark: Russell 1000 Value
Ticker: Exclusive (fund not publicly available)

conservative

aggressive

Large Cap Growth Equity Fund

The fund seeks to provide meaningful growth of capital by investing in large capitalization growth stocks. Broad exposure to large U.S. companies, similar to those in the Russell 1000 Growth Index; selected based strong growth potential.

Manager: BMO
Annual Fee: 0.15% (15 bps)
Benchmark: Russell 1000 Growth
Ticker: Exclusive (fund not publicly available)

conservative

aggressive

Small/Mid Cap Equity Fund

The Fund seeks to provide meaningful growth of capital by investing in small/mid capitalization stocks. Broad exposure to U.S. companies with market capitalization generally in the bottom 20% of the investable U.S. stock market and includes mid-, small-, and micro-cap stocks.

Manager: AllianceBernstein/Fiduciary
Annual Fee: 0.61% (61 bps)
Benchmark: Russell 2500
Ticker: Exclusive (fund not publicly available)

conservative

aggressive

International (Developed) Fund

Investment Objective: The fund seeks to provide meaningful growth of capital by investing in the stocks of international developed markets. Provides actively managed, broad exposure to the equity markets in developed countries outside of the United States. The strategy seeks to outperform the MSCI EAFE Index through a disciplined, quantitative approach.

Manager: PanAgora
Annual Fee: 0.30% (30 bps)
Benchmark: MSCI EAFE
Ticker: Exclusive (fund not publicly available)

conservative

aggressive

Age-Based Option

Our most popular account, the Age-Based Portfolio, allocates funds based on student age and risk tolerance, automatically adjusting over time.

Age-Based Portfolio

The portfolio utilizes both active and passive investment strategies and seeks to provide an asset allocation profile that links the amount of volatility in the Portfolio directly to the investment horizon.

The portfolio allocates funds between return seeking assets (stocks, bank loans, emerging market debt, and high yield bonds) and risk reducing assets (core bonds, TIPs, and money market) based on student age. Over time, the investment transitions from majority-return seeking to majority-risk reducing. Return seeking assets generally exhibit higher returns but may present more risk/volatility – a balance most appropriate for a long investment horizon. As the student approaches college-age, funds are invested in more risk reducing assets, which generally exhibit less risk/volatility.

Annual Fee: 0.15-0.21% (15-21 bps)
Benchmark: Weighted on pro-rata share of benchmarks for included Asset Classes

Baby to Grad Investment Chart

Ready to open your savings plan?

Additional questions about Florida 529 Savings Plans? Call 1-800-552-4723 or view our FAQs.