Investing Ideas

Saving for education: Fidelity’s 529 investment perspective

Portfolio management insights on capital markets and the college savings experience

By: Andrew Dierdorf Brett Sumsion Finola McGuire Foley Cait Dourney Earle Jessica Bialas

Updated: 3/3/2026

Key Takeaways

Fidelity’s 529 approach focuses on helping investors meet education goals through diversified, research-driven portfolios.
Age-based portfolios appeal to 529 investors by balancing return and risk throughout the college savings journey.
The age‑based approach integrates insights on investor needs and behaviors with extensive research on capital markets and asset classes to build diversified, resilient portfolios.
College costs continue to rise faster than inflation, underscoring the need for disciplined saving and investing.
Fidelity continues to expand diversification and use active management to help navigate evolving markets and rising inflation risks.

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Saving for education: Fidelity's 529 investment perspective

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Unless otherwise expressly disclosed to you in writing, the information provided in this material is for educational purposes only. Any viewpoints expressed by Fidelity are not intended to be used as a primary basis for your investment decisions and are based on facts and circumstances at the point in time they are made and are not particular to you. Accordingly, nothing in this material constitutes impartial investment advice or advice in a fiduciary capacity, as defined or under the Employee Retirement Income Security Act of 1974 or the Internal Revenue Code of 1986, both as amended. Fidelity and its representatives may have a conflict of interest in the products or services mentioned in this material because they have a financial interest in the products or services and may receive compensation, directly or indirectly, in connection with the management, distribution, and/or servicing of these products or services, including Fidelity funds, certain third-party funds and products, and certain investment services. Before making any investment decisions, you should take into account all of the particular facts and circumstances of your or your client's individual situation and reach out to an investment professional, if applicable.

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Before investing have your client consider the funds', variable investment products', exchange-traded products', or 529 Plans' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or a summary prospectus, if available, or offering statement containing this information. Have your client read it carefully.

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