Explore Your Investment Options
Grow Your Savings with Confidence
Your ABLE United account isn't just a place to save—it's a tool that helps you build your financial future.
Whether you're looking for stability or growth, we offer flexible, professionally managed options to match your comfort level and goals.
Find a Solution To Fit Your Needs and Savings Goals
ABLE United offers eight professionally managed investment options designed to meet your unique savings goals. These investment options were specifically designed to meet the needs of savers, beginning investors, and those with investment experience.
I want to save my money like a savings account.
Choose the FDIC Savings Fund.
FDIC Savings Fund
Annual Fee: 0%
The FDIC Savings Fund is an FDIC-insured savings account option. Funds will be placed in a demand deposit account established by the Trust at the Bank of New York Mellon (Bank). The FDIC Savings Fund is insured by the FDIC on a pass-through basis to each Beneficiary in the same manner as other deposits held by the Beneficiary at BNY Mellon in the same ownership right and capacity. FDIC insurance generally protects up to $250,000 of your deposits, subject to certain restrictions.
For more information on FDIC insurance, visit FDIC.gov.
I want the potential to grow my funds in a professionally designed portfolio.
Select from one of our predesigned portfolios.
Our predesigned portfolios make it easy to invest. Select between Conservative, Moderate and Growth in accordance with your level of risk tolerance. These options are a combination of individual funds that are available to account holders, and the percentages allocated toward each are predetermined by our portfolio managers to cover a range of diversification levels. The portfolios make it easy to start investing, and you can reallocate your funds twice per year if your needs change in the future.
Conservative Portfolio
Lower risk, more stability
Moderate Portfolio
A balance of risk and reward
Growth Portfolio
Higher risk with higher potential
I want to customize my investment strategies.
Mix and match options to build a portfolio customized for your goals.
Select one or several of our savings and investment options to create the perfect fit for you. As long as you contribute at least $5 to each fund, you can mix and match to design your custom investment. From the FDIC Savings Fund, predesigned portfolios or the individual funds listed below, you have full control over how you decide to invest your money.
Money Market Fund
Annual Fee: 0.035% of Account Balance
The Money Market Fund is invested in Florida’s Local Government Surplus Funds Trust Fund (Florida PRIME), which invests in short-term, high-quality fixed-income securities rated in the highest short-term rating category to provide stable returns with less risk. The fund seeks to provide, in priority order, safety, liquidity and returns comparable to short-term instruments with minimized risks.
U.S. Bond Fund
Annual Fee: 0.290% of Account Balance
The U.S. Bond Fund is invested in the Vanguard Total Bond Market Index Fund Institutional Plus Shares (ticker symbol: VBMPX), a passively managed bond fund which tracks the performance of a benchmark index. Investments include U.S. Treasury and U.S. Government Agency obligations, as well as corporate debt and securitized instruments. The fund seeks to provide investors with exposure to the broad fixed income market in the United States.
U.S. Stock Fund
Annual Fee: 0.290% of Account Balance
The U.S. Stock Fund is invested in the Vanguard Total Market Index Fund Institutional Plus Shares (ticker symbol: VSMPX), a passively managed stock fund which tracks the performance of a benchmark index that measures the investment return of the overall U.S. equities market. The fund seeks to provide investors with exposure to the overall U.S. equities market.
International Stock Fund
Annual Fee: 0.290% of Account Balance
The International Stock Fund is invested in the iShares MSCI EAFE International Index Fund (ticker symbol: BTMKX), a passively managed stock fund which tracks the performance of a benchmark index of international developed markets. The fund seeks to provide investors exposure to international equities in developed markets.
You’re in Control
Choose your savings and investment options to fit your goals
Move funds between investment options up to 2x a year
Choose any fund or portfolio for new contributions
Start with what feels right for your budget
Performance Summary
The following table summarizes the investment return for each of the Investment Options, net of the Investment Administration Fee, offered under the ABLE United Program. For information about your account, Log In or call 1-888-524-ABLE (2253).
Performance Summary (Net of Fees) as of November 30, 2025
Portfolio Options
Last Month
3-Months
1-Year
3-Year
5-Year
Since Inception*
Conservative Portfolio
0.50
3.45
9.73
10.08
5.24
6.19
Moderate Portfolio
0.47
4.20
11.93
12.82
7.46
8.32
Growth Portfolio
0.45
4.76
14.60
15.51
9.92
10.28
Fund Options
Last Month
3-Months
1-Year
3-Year
5-Year
Since Inception*
FDIC Savings Fund
0.32
1.02
4.38
4.94
3.24
2.72
Money Market Fund
0.34
1.07
4.55
5.13
3.37
2.54
US Bond Fund
0.61
2.27
5.32
4.31
-0.57
1.27
US Stock Fund
0.27
5.96
13.33
19.51
13.78
14.09
International Stock Fund
0.70
4.08
24.35
15.37
9.35
8.33
*Since Inception returns as of 08/01/16
The Program launched July 1, 2016, performance for any periods prior to this date is based on the underlying Investment Option performance net of the Investment Administration Fee. Past performance is no guarantee of future performance. Actual results for future periods could differ significantly from past performance. Your investment return and the value of your investment will fluctuate. Your investment when withdrawn may be worth more or less than your contributions.
The FDIC Savings Fund became available as a new investment option in March 2019. Interest on the FDIC Savings Fund will be credited by the Bank on the last business day of each month based on the average daily balance on deposit in the FDIC Savings Option during such month. The interest rate on the FDIC Option will be a rate equal to the upper end of the Federal Funds target rate range established by the Federal Reserve’s Federal Open Market Committee, less 15 basis points.
The investment returns provided were calculated by Aon, the Program’s investment consultant, by computing the percentage change in the trust unit value of each Investment Option. The unit values were provided to Aon for computing the investment returns. Under no circumstances is the information contained herein to be used or considered as an offer to sell or a solicitation of an offer to buy a particular investment. The net investment returns are provided for general information only and are not intended to provide investment or other advice. For more information about the investment options and current Investment Administrative Fees, please review the Program Description and Participation Agreement at ableunited.com/pdpa.
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