Compare investment portfolios

Target Enrollment Portfolios

Determine your savings goal and get started.

Select a year based on when your beneficiary plans to use their IDeal savings for education expenses. If you are saving for multiple education goals at the same time, select multiple Target Enrollment Portfolios within the same account for the same student.

For example, if the beneficiary plans to incur K-12 expenses beginning in the year 2026, you may consider the Target Enrollment 2026/2027 Portfolio. If you also expect to enroll them in a higher education program such as 2 and 4 year, graduate, and or an apprenticeship program in the year 2034, you may also want to select the 2034/2035 Target Enrollment Portfolios within the same account for the same student. The Target Enrollment Portfolio structure allows you to select up to five portfolios where you can specify what percentage of your investments are targeted to each education goal.

You select the portfolio and we manage the rebalancing.

Portfolios will automatically shift from a growth-oriented allocation to a more conservative mix based on the year the beneficiary is expected to enter their education program. Frequent portfolio rebalances provide small gradual shifts from equities to bonds that can help families match investments with their savings goals.

Model allocation by Target Enrollment year and Commencement

Stacked columns from far-dated enrollment years to Commencement, showing a decline in U.S. and international equity and an increase in U.S. and international bonds and short-term reserves. Legend: U.S. Equity, International Equity, U.S. Bond, International Bond, Short Term Reserves. Vertical axis: zero to 100 percent.

Target Enrollment Portfolios

Target Enrollment Portfolios Target Enrollment Portfolios (Beneficiary's Year of School Enrollment)

This graph shows the adjustment of savings allocations as your beneficiary’s year of enrollment approaches. At the beginning, your portfolio prioritizes growth (through cash equivalent). Then, it automatically adjusts to prioritize stability.