- Nationally Rated
- Investment Portfolios
- Prices & Performance
- Risk Tolerance Questionnaire
- Investment Policy Statement
The Age-Based Portfolios are professionally managed and automatically adjust as the beneficiary gets closer to college age. Starting with more equity or growth type investments in the early years and adjusting to more fixed income and cash allocations as the beneficiary approaches college age.
The Age-Based Portfolios are popular with college savers looking for professionally managed portfolios requiring minimal work on their part. These portfolios allow you to select the investment style and risk comfort level that best fits your goals and risk tolerance.
The three Age-Based Options include a conservative, moderate, or aggressive strategy. To provide additional diversity and choice you will also have the availability to select between an Index Strategy that utilizes Vanguard funds or a Multi-Firm Strategy that utilizes multiple fund families including T. Rowe Price, DFA, Vanguard, Dodge & Cox, and other quality fund families.
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 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 Program Disclosure Statement.
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