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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