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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.2

 

The Age-based asset allocations1

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).

 

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Objective-based allocations1

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.

Founding Funds 529 Portfolio. This portfolio invests in 3 value-oriented underlying funds—each with over a 60-year track record—to create an investment portfolio offering diversification across multiple asset classes.

Founding Funds 529 Portfolio

 

Corefolio® 529 Portfolio. 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.

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Corefolio® 529 Portfolio

 

Growth 529 Portfolio. This growth allocation is designed for investors with a longer investment time horizon and/or higher risk tolerance.

Growth 529 Portfolio

 

Growth & Income 529 Portfolio. This moderate allocation is designed for investors who have a long-to-medium investment time horizon and/or moderate risk tolerance.

Growth & Income 529 Portfolio

Income 529 Portfolio. This more conservative allocation is designed for investors with a short-to-medium investment time horizon and/or lower risk tolerance.

Income 529 Portfolio

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Individual Portfolios1

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

Growth

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

Value

  • Mutual Shares 529 Portfolio

Hybrid

  • Franklin Income 529 Portfolio

Principal Preservation

  • Stable Value 529 Portfolio

Although the Stable Value 529 Portfolio seeks to preserve the value of investments, it is possible to lose money by investing in the portfolio.

Index Style

  • S&P 500 Index 529 Portfolio

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Important Legal Information

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.

Footnotes

  1. 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).
  2. 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.

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