Investment options to fit your needs.

ABLE veteran on a computer

The DEPENDABLE offers a range of investment options to match both your goals and comfort with risk. There is no limit on the number of Investment Options that can be selected in an Account. While you can change your investment allocations for new contributions at any time, you are limited to changing the allocations for your existing funds twice per year.

Fifth Third Bank Checking Account Option

You can even contribute to an FDIC-insured checking account (through Fifth Third Bank, National Association) that lets you withdraw money using a debit card. So you can easily use your funds for everyday expenses.

Money Market Option

For savers, a Money Market is a low risk, interest earning approach. It seeks to provide current income along with the preservation of principal, with 100% of the assets invested in the Vanguard Cash Reserves Federal Money Market Fund.

Risk Based Options

From aggressive options seeking higher returns to conservative investments that place capital preservation over growth, the DEPENDABLE has choices for every investor.

Pie chart for Aggressive investment option showing allocation of 10 percent bonds and 90 percent stocks

Pie chart for Moderately Aggressive investment option showing allocation of 25 percent bonds and 75 percent stocks

Pie chart for Growth investment option showing allocation of 40 percent bonds and 60 percent stocks

Pie chart for Moderate investment option showing allocation of 55 percent bonds and 45 percent stocks

Pie chart for Moderately Conservative investment option showing allocation of 45 percent bonds, 30 percent stocks, and 25 percent cash

Pie chart for Conservative investment option showing allocation of 30 percent bonds, 10 percent stocks, and 60 percent cash

Portfolio performance

Choosing investments is an important decision. DEPENDABLE provides all the performance and investment details you need to make your choice.

Portfolio price and performance
Quarter-end performance

Forms

Manage your account online or with paper forms.

Questions

Read our FAQ section for answers.

Resources

Additional information about ABLE.

For more information about DEPENDABLE (the "Member Plan"), call (888) 609-8914, or visit de.savewithable.com to obtain the Plan Disclosure Booklet and/or the Investment Policy Statement, which include investment objectives, risks, charges, expenses, and other important information about the Member Plan. Please read and consider the Plan Disclosure Booklet carefully before investing.

Before investing in any ABLE program, you should consider whether your home state offers an ABLE program that provides its taxpayers with favorable state tax or other benefits that are only available through investment in the home state's ABLE program. You also should consult your financial, tax, or other adviser to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. You also may wish to directly contact your home state's ABLE program, or any other ABLE program, to learn more about those plans' features, benefits and limitations. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision.

The Member Plan is sponsored by the state of Delaware and administered by Delaware Plans Management Board. The Member Plan is intended to be a qualified ABLE plan offered through the National ABLE Alliance. Ascensus College Savings Recordkeeping Services, LLC, the Program Manager, and its affiliates, have overall responsibility for the day-to-day operations, including investment advisory, recordkeeping and administrative services. The Member Plan’s Investment Options are allocations to mutual funds, ETFs, banking products and/or other investments. Except for the Checking Account Option, investments in the Member Plan are not insured by the FDIC. Interests in the Member Plan are municipal securities and the value of your Account will vary with market conditions.

Investment returns will vary depending upon the performance of the Investment Options you choose. You could lose all or a portion of your money by investing in the Member Plan depending on market conditions. Account Owners assume all investment risks as well as responsibility for any federal and state tax consequences.

This material is provided for general and educational purposes only, and is not intended to provide legal, tax or investment advice, or for use to avoid penalties that may be imposed under federal or state tax laws. This material is not an offer to sell or a solicitation of an offer to buy any securities. Participation in the Member Plan does not guarantee that contributions and the investment return on contributions, if any, will be adequate to cover future expenses or that an account owner is eligible to participate in the Member Plan.