Investment Options

With the NC 529 Plan, you can choose from a variety of investment options designed to support different savings goals and risk preferences—from more conservative approaches to more growth-oriented strategies. You can select one or more options based on your timeline, risk tolerance, and long-term goals.

Whether you prefer a set it and forget it approach or desire a more hands-on approach to how your savings are invested, NC 529 offers flexibility to help you move forward with confidence.

Target Enrollment Portfolios

These portfolios are designed with a mix of asset classes where your investment automatically shifts from aggressive allocations to more conservative as your Beneficiary approaches their year of enrollment.

Individual Investment Options

Want a more hands-on approach to investing? Design and manage your own investment strategy with individual portfolios. Choose a portfolio name to view standardized returns.

Average Annualized Performance As of 04/01/2026
Investment Option 1 Year 3 Year 5 Year 10 Year Since Inception Inception Date
Federally-Insured Deposit Account
(from SECU)		 3.05% 2.79% 1.98% 1.80% 1.79% 2010-04-12

Current interest rate is 3.25% / APY 3.30%4; interest is compounded daily and paid monthly. Federally insured by National Credit Union Administration (“NCUA”)

The performance data shown represent past performance, which is not a guarantee of future results. Investment returns and principal value will fluctuate, so, that investors' shares, when sold, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data cited.

Consider each option before deciding which one(s) fit your time frame, savings objectives, and risk tolerance.

Vanguard is a registered trademark of The Vanguard Group, Inc.

1 The Federally-Insured Deposit Account Investment Option has a fixed price per unit set at $1.00.

2 Net of fees (administrative and fund expense ratio fees are deducted from fund performance).

3 The Program Administrator fee (no more than 0.25% annually) for the Federally-Insured Deposit Account is calculated on the daily balance, with fractional portions rounded to the nearest whole penny, and deducted directly from the Participant Accounts monthly.

4 Quoted rates and annual percentage yields ("APY") for the Federally-Insured Deposit Account are the most current as provided by the State Employees' Credit Union. Rate and APY subject to change daily.