Investment options

Grow your savings tax-free

The first $2,000 in your ABLEnow account will be automatically allocated to the FDIC-insured ABLEnow Deposit Account, which is linked to your ABLEnow Card. Once the balance in the ABLEnow Deposit Account exceeds $2,000, you may opt to invest additional contributions into one or more investment portfolios.

Aggressive Growth Portfolio

The Aggressive Growth Portfolio invests entirely in the Vanguard LifeStrategy Growth Fund (the “Growth Fund”). The Growth Fund invests in other Vanguard Mutual Funds according to a fixed formula that reflects an allocation of approximately 80% of the Growth Fund’s assets to common stocks and 20% to bonds.

View Aggressive Growth Portfolio

Moderate Growth Portfolio

The Moderate Growth Portfolio invests entirely in the Vanguard LifeStrategy Moderate Growth Fund (the “Moderate Growth Fund”). The Moderate Growth Fund invests in other Vanguard Mutual Funds according to a fixed formula that reflects an allocation of approximately 60% of the Moderate Growth Fund’s assets to common stocks and 40% to bonds.

View Moderate Growth Portfolio

Conservative Income Portfolio

The Conservative Income Portfolio invests entirely in the Vanguard LifeStrategy Income Fund (the “Income Fund”). The Income Fund invests in other Vanguard Mutual Funds according to a fixed formula that reflects an allocation of approximately 80% of the Income Fund’s assets to bonds, and 20% to common stocks.

View Conservative Income Portfolio

Money Market Portfolio

The Money Market Portfolio invests entirely in the Fidelity® Investments Money Market Government Portfolio (“Money Market Fund”). Normally, at least 99.5% of the fund’s total assets are invested in cash, U.S. Government securities and/or repurchase agreements that are collateralized fully (i.e., collateralized by cash or government securities).

View Money Market Portfolio

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Savings and Investment Options FAQs

ABLEnow makes it easy to save and invest at your own pace. The first $2,000 in your ABLEnow account will be automatically allocated to the FDIC-insured ABLEnow Deposit Account, which is linked to your ABLEnow Card.

Once the balance in the ABLEnow Deposit Account exceeds $2,000 (or a higher amount set by the Account Owner or Authorized Representative), you may opt to invest additional contributions into one or more investment portfolios.

Account Owners or their Authorized Representative may choose from four investment portfolios. You may choose to invest in one investment portfolio or allocate between or amongst the portfolios offered.

Each portfolio option is intended to address a different investment strategy and risk tolerance:

  • Aggressive Growth
  • Moderate Growth
  • Conservative Income
  • Money Market

To view details on these investment options, visit the Investments page.

Account Owners or their Authorized Representative can set up an investment profile and choose their funds through the online account portal. After logging in, click “Accounts” in the top navigation bar. If you have not yet established your investment elections, you will see the “Investment Account Setup” button at the top right of the page. Click this button for a step-by-step guide to set up your Investment Account.

Selecting Investments

Yes, federal rules allow you to change your investment selections twice per calendar year.