Each family’s financial needs are different, so it’s important to have investment choices. Franklin Templeton offers a wide range of investing strategies. These portfolios allow you to invest your assets according to the amount of investment risk you’re comfortable taking and the return characteristics you prefer. Working with your financial advisor, you can select the investment type and risk level best suited for your college savings needs.1
See the latest quarterly allocation by asset class for each portfolio. Download
When your child is young, you may be better able to invest more aggressively in pursuit of higher returns. As college years near, however, most people prefer to invest more conservatively.
As your child grows, the Franklin Templeton age-based asset allocations will automatically reallocate a percentage of your assets from equity-oriented funds (which tend to hold more stocks) into more conservative, income-seeking funds (such as bond and money market funds).
These portfolios allow you to invest according to the amount of investment risk you’re comfortable taking and the potential return characteristics you prefer. You may choose among 5 portfolios, with objectives ranging from more aggressive to more conservative.
Franklin Income Fund (33.3%)
Franklin Mutual Shares Fund (33.3%)
Templeton Growth Fund (33.3%)
Franklin Growth Opportunities Fund (25.0%)
Franklin Growth Fund (25.0%)
Templeton Growth Fund (25.0%)
Franklin Mutual Shares Fund (25.0%)
International Equity (30.0%)
Domestic Equity (70.0%)
Domestic Equity (35.0%)
International Equity (15.0%)
Income (40.0%)
Cash (10.0%)
Income (80.0%)
Cash (20.0%)
If you prefer, you may work with your financial advisor to assemble your own portfolio, creating an asset allocation mix suiting your college investing needs. You may invest among as many of the following portfolios, objective-based or age-based asset allocations as you'd like, as long as your total allocation equals 100%:
Global
Growth
Value
Hybrid
Income
Principal Preservation
The Franklin U.S. Government Money 529 Portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency and it is possible to lose money by investing in the portfolio.
Index Style
Investors should carefully consider 529 plan investment goals, risks, charges and expenses before investing. To obtain the Investor Handbook, which contains this and other information, talk to your financial advisor or call Franklin Templeton Distributors, Inc., the manager and underwriter for the 529 plan at (800) DIAL BEN / (800) 342-5236 or visit franklintempleton.com. You should read the Investor Handbook carefully before investing and consider whether your, or the beneficiary’s, home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in its qualified tuition program.