Individual Portfolios

Design an investment portfolio tailored to your risk tolerance and investment preferences, choosing from a selection of 14 different portfolios.

Bright Start offers 14 Individual Fund Portfolios. An investor may select any combination of the Individual Fund Portfolios to design a portfolio to meet their needs, risk tolerance, and investing style.

Money Market

Fixed Income

U.S. Equity

International Equity

Real Estate


*This Portfolio invests exclusively in the Vanguard Federal Money Market Fund. You could lose money by investing in the Portfolio. Although the underlying fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Portfolio and underlying fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Neither the Program Manager nor the underlying fund’s sponsor has any legal obligation to provide financial support to the Portfolio or underlying fund, and you should not expect that either the Program Manager or the fund sponsor will provide financial support to the Portfolio or the underlying fund at any time.

A Word About Risk: Keep in mind that you can lose money by investing in a portfolio. Each of the Age-Based, Target, and Individual Fund Portfolios involves investment risks, which are described in the underlying mutual fund prospectuses and the Program Disclosure Statement and should be considered before investing. For example, international investing, especially in emerging markets, has additional risks such as currency fluctuation, economic and political risks, and market volatility. Investing in small, medium, and international companies may increase the risk of fluctuations in the value of your investment and involves greater risks than investing in more established companies. Portfolios that invest in specific industries or sectors, such as real estate, have industry concentration risk. As an example, the portfolios that invest in real estate may perform poorly during a downturn in the real estate industry.

Portfolios that invest in bonds are subject to risks such as interest rate risk, credit risk, and inflation risk. In particular, as interest rates rise, the prices of bonds will generally fall, which can impact performance. It is important to note that the value of your account will fluctuate with market conditions. When you withdraw funds, you may have more or less than your actual investment. For more information on the portfolios and the underlying funds in which they invest, see the underlying mutual fund prospectuses and Program Disclosure Statement.