Everything can be managed online. The money can be saved in a cash option and/or invested in one of the three investment options offered: ABLE Conservative, ABLE Moderate, and ABLE Aggressive. These choices are made during the account setup. By law, you can only make investment changes on your account twice each calendar year, and this includes changes to the allocation between cash/investment or changes to the investment option. You can initiate contributions and withdrawals whenever you want.