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Investment Details
The PA ABLE Savings Program offers Risk-Based and Target-Year Investments to meet each account owner's unique saving and investment objectives. PA ABLE Investment Options have an annual asset-based fee which ranges from 0.00% to 0.2473%. Click below for historical performance.
Historical PerformanceRisk Based Options
Aggressive Option
Highest growth option, with 90% in stocks across U.S. and international markets and only 10% in bonds. This option is best suited for account owners with many years, typically fifteen or more, who can stay the course through market downturns while maximizing growth potential. High risk and long term time horizon.
Moderately Aggressive Option
Heavily weighted towards stocks, with 75% in equities and 25% in fixed income. This option will experience significant swings with market conditions and can lose substantial value in the short term. Suited for those with a long term time horizon – generally ten plus years – and a high tolerance for volatility who want to maximize growth while keeping a modest bond allocation as a buffer. High risk and long term time horizon.
Growth Option
Tilts decisively towards equities, with 60% in U.S. and international stocks and 40% in bonds. Best for account owners with a ten plus year time horizon who are comfortable riding out short-term volatility in exchange for stronger growth potential over time. Moderate high risk and long term time horizon.
Moderate Option
A balanced approach with 45% in stocks across U.S. and international markets and 45% in bonds, with a small stable value buffer. This mix accepts some up-and-down movement in exchange for steadier long-term growth. Designed for those with a five to ten year horizon who can tolerate occasional dips in value and want a well-rounded portfolio that grows without taking on outsized risk. Moderate risk and mid-term time horizon.
Moderately Conservative Option
Leans toward safety but introduces meaningful equity and fixed income exposure, with roughly 30% stocks, 42% bonds, 20% stable value and the remainder in cash. Some short-term fluctuation is possible, but the stable value allocation helps cushion losses. Suitable for account owners with a three to five year time horizon who prefer limited but real growth opportunities without taking on too much risk. Low to moderate risk and short to mid-term time horizon.
Conservative Option
Prioritizes stability while adding a small amount of stock and bond exposure for modest growth potential. The majority of the assets remain in stable value and FDIC-insured vehicles, keeping the risk of loss low. A good fit for those who are close to spending their savings–generally within one to three years – and want to limit volatility while still earning a little more than cash alone. Low risk and short term time horizon.
Capital Preservation Option
Focused entirely on protecting what you have saved. This option keeps all assets in stable value and FDIC-insured holdings with no equity exposure, making it the least likely to lose value. This strategy is best suited for account owners who need access to their funds sooner rather than later – typically within one to two years – or who cannot afford any risk of loss. Low risk and short term time horizon.
Target Year Options
Similar to funds used by retirement plans, Target-Year Investment Options let you choose an investment based on when you plan to start spending your money. PA ABLE offers investments in five-year increments: 2030, 2035, 2040, 2045, 2050, 2055, 2060, 2065, and 2070+. The 2030 investment option is the most conservative and the 2070 option is the most aggressive. These investment options automatically change over time, becoming more conservative as your “target year” comes closer.
Account Fee Information
In addition to the investment option fees shown above, all PA ABLE accounts have an annual maintenance fee of $17 deducted quarterly ($4.25 per quarter) if you are signed up for e-delivery. If you select paper delivery of quarterly statements and account activity confirmations, the annual account maintenance fee will be $37 ($9.25 per quarter).
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