The Vanguard New York 529 College Savings Program Direct Plan
Investment Model Portfolios

The New York's 529 College Savings Program Direct Plan offers a comprehensive lineup of 16 investment options -- three age-based options (conservative, moderate, and aggressive) and 13 individual portfolios. You may choose up to five investment options per account. All of the investment options are managed by Vanguard. The 529 Plan account will be reallocated only at your instruction, but changes to existing investments within the plan can be made only once per calendar year. MyPlanIQ.com provides asset allocation strategies for the third-way investors to constructs customized 529 portfolios, which is better tailored to their risk profile. The model portfolios are constructed basing on the plan custom portfolios below.

Stock portfolios                     Portfolio name                                          Underlying fund
                                   Aggressive Growth Portfolio                 Vanguard® Institutional Total Stock Market Index Fund (100%).
                                    Developed Markets Index Portfolio         Vanguard® Developed Markets Index Fund (100%).
                                    Growth Stock Index Portfolio                      Vanguard® Growth Index Fund (100%).
                                    Mid-Cap Stock Index Portfolio               Vanguard® Mid-Cap Index Fund (100%).    
                                    Small-Cap Stock Index Portfolio            Vanguard® Small-Cap Index Fund (100%).
                                    Value Stock Index Portfolio                   Vanguard® Value Index Fund (100%).
Balanced Portfolios                           
                                    Conservative Growth Portfolio              Vanguard® Total Bond Market II Index Fund (75%)         
                                                                                          and Vanguard® Institutional Total Stock Market Index Fund (25%)
                                    Growth Portfolio                                Vanguard® Institutional Total Stock Market Index Fund (75%)
                                                                                          and Vanguard® Total Bond Market II Index Fund (25%)
                                    Moderate Growth Portfolio                  Vanguard® Institutional Total Stock Market Index Fund (50%)
                                                                                          and Vanguard® Total Bond Market II Index Fund (50%)
Bond Portfolios
                                    Bond Market Index Portfolio                      Vanguard® Total Bond Market Index Fund (100%)
                                    Income Portfolio                               Vanguard® Total Bond Market II Index Fund (50%), 
                                                                                         Vanguard® Inflation-Protected Securities Fund (25%), 
                                                                                         and Vanguard® Short-Term Reserves Account (25%)
                                    Inflation-Protected Securities Portfolio  Vanguard® Inflation-Protected Securities Fund (100%).
 Short-Term Investment Portfolio
                                    Interest Accumulation Portfolio            Vanguard® Short-Term Reserves Account (100%)


  For further information, please visit the official website.

Plan investment options

Total Available Funds: 12
Asset Class Ticker Description Rating Expense
INTERNATIONAL EQUITY
Foreign Large Blend VDMIX vanguard Developed Markets Index Portfolio 0.2%
Others
Conservative Allocation VSCGX vanguard Conservative Growth Portfolio 0.12%
Moderate Allocation VSMGX vanguard Moderate Growth Portfolio 0.13%
ROOT CASH vanguard Interest Accumulation Portfolio NA
FIXED INCOME
Intermediate-Term Bond VBMFX vanguard Bond Market Index Portfolio 0.15%
Inflation-Protected Bond VIPSX vanguard Inflation-Protected Securities Portfolio 0.07%
US EQUITY
SMALL BLEND NAESX vanguard Small-Cap Stock Index Portfolio 0.03%
MID-CAP BLEND VIMSX vanguard Mid-Cap Stock Index Portfolio 0.04%
LARGE GROWTH VIGRX vanguard Growth Portfolio 0.04%
LARGE GROWTH VIGRX vanguard Growth Stock Index Portfolio 0.04%
LARGE GROWTH VIGRX vanguard Aggressive Growth Portfolio 0.04%
LARGE VALUE VIVAX vanguard Value Stock Index Portfolio 0.05%
Average Expense Ratio: 0.09%

The following is a moderate-risk model portfolio constructed from the investment options of The Vanguard New York 529 College Savings Program Direct Plan.

This portfolio is proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation. We offer customization features, allowing subscribers to tailor the portfolio to align with their own risk tolerance and return expectations by changing risk profile parameter.

Our model portfolio is rooted in the MyPlanIQ Asset Allocation Composite (AAC) strategy. This dynamic (tactical) asset allocation and quantitative fund selection algorithm prioritize risk management by dynamically adjusting stock allocations based on prevailing asset momentum. Extensive research has shown that this momentum-based tactical approach can potentially reduce temporary losses while maintaining or outperforming traditional buy-and-hold strategies.

Both historical back test and real-time portfolio return and risk data are shown in the table on this page. These metrics are compared with stock and moderate allocation index funds.

Furthermore, subscribers have the option to explore alternative strategies such as Strategic Asset Allocation Optimal (SAA) and Tactical Asset Allocation (TAA) to further customize their model portfolio. See our investment methodology for more details on the investment strategies


Click here for more plan details and features ►


Puzzled on what to invest?

  • We ask a few questions to decide your personal return and risk expectations
  • We build a custom portfolio for your plan (401(k), 403(b), 529 ...) or for a  brokerage account
  • We monitor and send timely rebalance emails on what investment funds to buy and sell
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