When it comes to saving for future education needs, every family is different. That's why Alaska 529 offers three investment approaches incorporated into 15 different portfolios to suit your specific situation and savings goals. Enrollment-based portfolios start out aggressive and automatically become more conservative as the target date is approached, static portfolios maintain fixed allocations, and the University of Alaska (UA) portfolio which offers a tuition value guarantee when used to pay tuition at UA.
The eight actively managed enrollment-based portfolios include a mix of stock and bond mutual funds 1 that are periodically adjusted to become more conservative as the target year approaches. Once you've estimated how many years until you plan to use your savings, you can use the tool below to review your options.
This all-equity portfolio seeks long-term capital appreciation by broadly investing in funds focused on domestic and international equity markets. The strategy is based on the understanding that the volatility associated with equity markets can be accompanied by the greatest potential for long-term capital appreciation. The detailed asset allocations for this portfolio are available in the Plan Disclosure Document.
This primarily-equity portfolio seeks long-term capital appreciation by broadly investing in funds focused on domestic and international equity markets. The strategy is based on the understanding that the volatility associated with equity markets can be accompanied by the greatest potential for long-term capital appreciation. The detailed asset allocations for this portfolio are available in the Plan Disclosure Document.
This primarily-equity portfolio seeks long-term capital appreciation by broadly investing in equity funds focused on domestic and international equity markets, with some exposure to fixed income. The strategy is based on the understanding that the volatility associated with equity markets can be accompanied by the greatest potential for long-term capital appreciation. The detailed asset allocations for this portfolio are available in the Plan Disclosure Document.
This portfolio seeks long-term capital appreciation by broadly investing in equity funds focused on domestic and international equity markets, with additional exposure to fixed income. The strategy is based on the understanding that the volatility associated with equity markets can be accompanied by the greatest potential for long-term capital appreciation. The detailed asset allocations for this portfolio are available in the Plan Disclosure Document.
This balanced portfolio invests in both stocks and fixed income instruments, with slightly higher exposure to stocks. The portfolio invests in both domestic and international equity markets. The strategy is based on the understanding that the volatility associated with equity markets can be accompanied by the greatest potential for long-term capital appreciation. The detailed asset allocations for this portfolio are available in the Plan Disclosure Document.
This portfolio invests in both stocks and fixed income instruments, with a higher exposure to fixed income. The portfolio invests in both domestic and international equity markets. This mix of funds offers reduced exposure to equities while diversifying in fixed income markets to reduce the risk and volatility typically associated with equity markets. The detailed asset allocations for this portfolio are available in the Plan Disclosure Document.
This portfolio invests in both stocks and fixed income instruments, with most of its allocation dedicated to fixed income. The portfolio invests in both domestic and international equity markets. This mix of funds offers reduced exposure to equities while diversifying in fixed income markets to reduce the risk and volatility typically associated with equity markets. The detailed asset allocations for this portfolio are available in the Plan Disclosure Document.
This portfolio is designed for beneficiaries who are already enrolled or are about to enroll in school. Emphasizing a mix of high-quality fixed income investments, this portfolio also maintains an approximate 20% allocation to stock funds. There is exposure to international stocks as well. The portfolio seeks to generate income—at a time when a beneficiary may be taking distributions from an Account for education expenses—while also aiming to provide portfolio growth that meets or exceeds tuition inflation. There is no guarantee the portfolio will provide adequate income, and you could experience losses near, at, or through enrollment. The detailed asset allocations for this portfolio are available in the Plan Disclosure Document.
The portfolio description and asset allocations for each underlying fund are as of the most recent Plan Disclosure Document and related supplements; the allocations may be higher or lower than shown. Please see the Plan Disclosure Document and related supplements for the most recent portfolio description, portfolio composition, and neutral allocation information.
T. Rowe Price mutual funds compose the underlying investments of each of the portfolios.
All investments are subject to market risk, including possible loss of principal. Stocks can decline for many reasons, including adverse political or economic developments here or abroad, changes in investor psychology, or heavy institutional selling. Bonds may decline in response to rising interest rates, a credit rating downgrade, or failure of the issuer to make timely payments of interest or principal. Foreign investments are subject to additional risks, including potentially adverse political and economic developments overseas, greater volatility, less liquidity, and the possibility that foreign currencies will decline against the dollar.
* All investments are subject to market risk, including the possible loss of principal. The fund may not succeed in generating a positive environmental and/or social impact. The fund’s incorporation of environmental and/or social impact criteria into its investment process may cause the fund to perform differently than a fund that uses a different methodology to identify and/or incorporate environmental and/or social impact criteria or that relies solely or primarily on financial metrics. Stocks generally fluctuate in value more than bonds and may decline significantly over short time periods. Investing in the securities of non-U.S. issuers involves special risks not typically associated with investing in U.S. issuers. Non-U.S. securities tend to be more volatile and have lower overall liquidity than investments in U.S. securities and may lose value because of adverse local, political, social, or economic developments overseas or due to changes in the exchange rates between foreign currencies and the U.S. dollar. Because the fund is normally heavily exposed to foreign currencies, the fund is subject to the significant risk that it could experience losses based solely on the weakness of foreign currencies versus the U.S. dollar and changes in the exchange rates between such currencies and the U.S. dollar. Investments in emerging market countries are subject to greater risk and overall volatility than investments in the U.S. and developed markets.
These six portfolios invest in a predetermined mix of stocks, bonds, and/or money market funds so that the asset allocations are designed to remain fixed. Investing in a more aggressive or conservative portfolio allows flexibility to choose an option that works best for you.