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15% or more in stocks
T. Rowe Price uses a moderate approach in the programs it manages for Alaska and Maryland. Beneficiaries in college have 20% in stocks.
Fidelity Investments manages direct-sold 529 plans for Arizona, California, Delaware, Massachusetts, and New Hampshire. All offer an actively-managed age-based option and an index-fund age-based option. Either way (active or index), a beneficiary who is in college will have at least 20% invested in stocks, while those in the next youngest group (Portfolio 2009) will have as much as 24% in stocks.
West Virginia has two direct-sold plans. The WV Select program, using funds from Dimensional Fund Advisors (DFA), keeps 20% in stocks at age 19, as does the WV Direct program, using Hartford Funds.
TIAA-CREF age-based models vary among the eight states they manage. In Connecticut and Georgia, where two risk levels are offered, and in Mississippi and Oklahoma, where a single track is offered, the allocations never go below 20% in stocks. The single-track options in Kentucky, Minnesota, and Vermont are slightly more conservative, with 15% in stocks at age 18, while Michigan offers three risk levels, one matching Minnesota, one slightly more aggressive, and one slightly more conservative.
Rhode Island opts for a relatively high weighting in stocks, even for beneficiaries in college. In the Growth age-based option, beneficiaries born before 1993 have 35% in stocks, while the Aggressive Growth age-based option has 40% in stocks. Rhode Island's plan is managed by AllianceBernstein.
The direct-sold 529 plans in Indiana (Upromise Investments), New Jersey (Franklin Templeton), and South Carolina (Columbia Management) all offer a single age-based track with low-to-moderate stock exposure ranging from 15% to 25% for older beneficiaries.
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