Fund Recommendation Quiz

Four quick questions about your risk tolerance, brokerage, and investing style. We match you to the eligible Section 530A fund with the lowest expense ratio that fits — no account required.

Free Tool

Fund Recommendation Quiz

Answer four quick questions and we'll recommend the fund that best matches your situation, preferences, and contribution plans.

Personalized Recommendation

Free — email required

Free
  • Four quick questions about your preferences
  • Scored across 7 eligible funds from major brokerages
  • Top pick with personalized reasons
  • Two runner-up recommendations for comparison
  • Direct links to rollover guides and comparison tools

No sensitive account data required

The quiz runs entirely in your browser — we don't ask for your account balance or personal financial details.

Common questions

How does the quiz pick a fund?

We ask four questions — about your tolerance for volatility, how hands-on you want to be, whether you prefer total-market or S&P 500 exposure, and which brokerage you use. We then match you to the eligible Section 530A fund with the lowest expense ratio that fits.

Is this financial advice?

No. Seedling is not a registered investment advisor, and this quiz is a starting point, not a recommendation. All investing involves risk, and past performance is not indicative of future results.

What funds are eligible for a 530A?

Section 530A accounts can hold low-cost U.S. stock index funds that meet the program's expense-ratio and diversification rules. Popular eligible funds include Fidelity FSKAX, Schwab SWTSX, Vanguard VOO, and VTI.