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.2
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 Flex Cap Growth 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%)
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%:
Effective 11/1/15, Franklin Money 529 Portfolio was renamed 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.
Investors should carefully consider plan investment goals, risks, charges and expenses before investing. To obtain an Investor Handbook, which contains this and other information, talk to your financial advisor, go to the Order 529 Literature section on this website, or call Franklin Templeton Distributors, Inc., the manager and underwriter for the plan, at (800) 818-4030. 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 benefits that are only available for investments in its qualified tuition program.
An investment in Franklin Templeton 529 College Savings Plan is an investment in a municipal security that may invest in one or more underlying mutual funds. It is not an investment in shares of the underlying mutual fund(s).
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.