529 Portfolio Options

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

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  • 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).

    Franklin Conservative Allocation 529 Portfolio

    Franklin Moderate Allocation 529 Portfolio

    Franklin Growth Allocation 529 Portfolio

  • 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 Founding Funds 529 Portfolio

    This portfolio invests in three value-oriented underlying funds — each a cornerstone fund with over a 60-year track record — to create an investment portfolio offering diversification across multiple asset classes and the potential for attractive long-term results.

    Franklin Income Fund (33.3%)

    Franklin Mutual Shares Fund (33.3%)

    Templeton Growth Fund (33.3%)

     

    Franklin Corefolio® 529 Portfolio2

    This portfolio invests in a combination of four underlying equity funds with distinct investment strategies. The allocation provides significant diversification across multiple industries, which may help reduce overall risk, and offers potential for long-term growth.

    Franklin Growth Opportunities Fund (25.0%)

    Franklin Growth Fund (25.0%)

    Templeton Growth Fund (25.0%)

    Franklin Mutual Shares Fund (25.0%)

     

    Franklin Growth Allocation 529 Portfolio

    This growth allocation is designed for investors with a longer investment time horizon and/or a higher risk tolerance.

    International Equity (30.0%)

    Domestic Equity (70.0%)

     

    Franklin Growth & Income Allocation 529 Portfolio

    This moderate allocation is designed for investors with a longer-to-medium investment time horizon and/or a moderate risk tolerance.

    Domestic Equity (35.0%)

    International Equity (15.0%)

    Income (40.0%)

    Cash (10.0%)

     

    Franklin Income Allocation 529 Portfolio

    This conservative allocation is designed for investors with a shorter-to-medium investment time horizon and/or a lower risk tolerance.

    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

    • Templeton Growth 529 Portfolio
    • Franklin Mutual Global Discovery 529 Portfolio


    Growth

    • Franklin Growth 529 Portfolio
    • Franklin Small-Mid Cap Growth 529 Portfolio


    Value

    • Franklin Mutual Shares 529 Portfolio


    Hybrid

    • Franklin Income 529 Portfolio


    Income

    • Templeton Global Bond 529 Portfolio


    Principal Preservation

    • Franklin U.S. Government Money 529 Portfolio


    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

    • S&P 500 Index 529 Portfolio

Important Legal Information

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.

Footnotes

  1. This material is not a recommendation of any particular security, is not based on any particular financial situation or need, and is not intended to replace the advice of a qualified attorney, tax advisor or investment professional. Before making any financial commitment regarding a Section 529 college savings plan, consult with the appropriate financial advisor.
  2. Franklin Flex Cap Growth Fund is one of four underlying mutual funds in which the Franklin Corefolio 529 Portfolio invests. On or about August 26, 2016, and subject to approval by the required percentage of its shareholders, the Franklin Flex Cap Growth Fund is expected to combine with and into the Franklin Growth Opportunities Fund, with Franklin Growth Opportunities Fund the surviving mutual fund, at which time Franklin Growth Opportunities Fund will replace Franklin Flex Cap Growth Fund as a fixed investment allocation for the Franklin Corefolio 529 Portfolio. On or about August 19, 2016, any new Franklin Corefolio 529 Portfolio investments otherwise intended for the Franklin Flex Cap Growth Fund may instead be allocated to the Franklin Growth Opportunities Fund. If you have any questions, please contact Shareholder Services.

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