- Learn
Age-Based Portfolios
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.
Vanguard Funds
Our Index Investment Strategy utilizes Vanguard funds that adjust based on your beneficiary's age and your investment style. With the index approach the portfolios utilize exclusively passive or index investing.
Click on the individual portfolios to see underlying investment information including:
- Fact Sheet
- Prospectus
- Annual Report
Stocks
Bonds
Cash
Aggressive
Aggressive Portfolio with Age of Beneficiary as 0-2276Aggressive Age-Based (Index Strategy) 0-2Aggressive Portfolio with Age of Beneficiary as 3-5317Aggressive Age-Based (Index Strategy) 3-5Aggressive Portfolio with Age of Beneficiary as 6-8320Aggressive Age-Based (Index Strategy) 6-8Aggressive Portfolio with Age of Beneficiary as 9-10323Aggressive Age-Based (Index Strategy) 9-10Aggressive Portfolio with Age of Beneficiary as 11-12324Aggressive Age-Based (Index Strategy) 11-12Aggressive Portfolio with Age of Beneficiary as 13-14325Aggressive Age-Based (Index Strategy) 13-14Aggressive Portfolio with Age of Beneficiary as 15-16335Aggressive Age-Based (Index Strategy) 15-16Aggressive Portfolio with Age of Beneficiary as 17-18336Aggressive Age-Based (Index Strategy) 17-18Aggressive Portfolio with Age of Beneficiary as 19+337Aggressive Age-Based (Index Strategy) 19+Stocks
Bonds
Cash
Moderate
Moderate Portfolio with Age of Beneficiary as 0-2338Moderate Age-Based (Index Strategy) 0-2Moderate Portfolio with Age of Beneficiary as 3-5353Moderate Age-Based (Index Strategy) 3-5Moderate Portfolio with Age of Beneficiary as 6-8354Moderate Age-Based (Index Strategy) 6-8Moderate Portfolio with Age of Beneficiary as 9-10355Moderate Age-Based (Index Strategy) 9-10Moderate Portfolio with Age of Beneficiary as 11-12373Moderate Age-Based (Index Strategy) 11-12Moderate Portfolio with Age of Beneficiary as 13-14374Moderate Age-Based (Index Strategy) 13-14Moderate Portfolio with Age of Beneficiary as 15-16375Moderate Age-Based (Index Strategy) 15-16Moderate Portfolio with Age of Beneficiary as 17-18376Moderate Age-Based (Index Strategy) 17-18Moderate Portfolio with Age of Beneficiary as 19+377Moderate Age-Based (Index Strategy) 19+Stocks
Bonds
Cash
Conservative
Conservative Portfolio with Age of Beneficiary as 0-2400Conservative Age-Based (Index Strategy) 0-2Conservative Portfolio with Age of Beneficiary as 3-5401Conservative Age-Based (Index Strategy) 3-5Conservative Portfolio with Age of Beneficiary as 6-8402Conservative Age-Based (Index Strategy) 6-8Conservative Portfolio with Age of Beneficiary as 9-10403Conservative Age-Based (Index Strategy) 9-10Conservative Portfolio with Age of Beneficiary as 11-12404Conservative Age-Based (Index Strategy) 11-12Conservative Portfolio with Age of Beneficiary as 13-14405Conservative Age-Based (Index Strategy) 13-14Conservative Portfolio with Age of Beneficiary as 15-16406Conservative Age-Based (Index Strategy) 15-16Conservative Portfolio with Age of Beneficiary as 17-18408Conservative Age-Based (Index Strategy) 17-18Conservative Portfolio with Age of Beneficiary as 19+409Conservative Age-Based (Index Strategy) 19+
Multi-Firm Strategy
Our Multi-Firm Strategy utilizes multiple fund families, including T. Rowe Price, Vanguard, DFA, Dodge & Cox, and others. With the multi-firm approach the portfolios utilize active management along with passive or index investing.
Click on the individual portfolios to see underlying investment information including:
- Fact Sheet
- Prospectus
- Annual Report
Stocks
Bonds
Cash
Aggressive
Aggressive Portfolio with Age of Beneficiary as 0-2305Aggressive Age-Based (Multi-Firm Strategy) 0-2Aggressive Portfolio with Age of Beneficiary as 3-5306Aggressive Age-Based (Multi-Firm Strategy) 3-5Aggressive Portfolio with Age of Beneficiary as 6-8308Aggressive Age-Based (Multi-Firm Strategy) 6-8Aggressive Portfolio with Age of Beneficiary as 9-10309Aggressive Age-Based (Multi-Firm Strategy) 9-10Aggressive Portfolio with Age of Beneficiary as 11-12310Aggressive Age-Based (Multi-Firm Strategy) 11-12Aggressive Portfolio with Age of Beneficiary as 13-14312Aggressive Age-Based (Multi-Firm Strategy) 13-14Aggressive Portfolio with Age of Beneficiary as 15-16313Aggressive Age-Based (Multi-Firm Strategy) 15-16Aggressive Portfolio with Age of Beneficiary as 17-18315Aggressive Age-Based (Multi-Firm Strategy) 17-18Aggressive Portfolio with Age of Beneficiary as 19+318Aggressive Age-Based (Multi-Firm Strategy) 19+Stocks
Bonds
Cash
Moderate
Moderate Portfolio with Age of Beneficiary as 0-2326Moderate Age-Based (Multi-Firm Strategy) 0-2Moderate Portfolio with Age of Beneficiary as 3-5327Moderate Age-Based (Multi-Firm Strategy) 3-5Moderate Portfolio with Age of Beneficiary as 6-8328Moderate Age-Based (Multi-Firm Strategy) 6-8Moderate Portfolio with Age of Beneficiary as 9-10329Moderate Age-Based (Multi-Firm Strategy) 9-10Moderate Portfolio with Age of Beneficiary as 11-12330Moderate Age-Based (Multi-Firm Strategy) 11-12Moderate Portfolio with Age of Beneficiary as 13-14331Moderate Age-Based (Multi-Firm Strategy) 13-14Moderate Portfolio with Age of Beneficiary as 15-16332Moderate Age-Based (Multi-Firm Strategy) 15-16Moderate Portfolio with Age of Beneficiary as 17-18333Moderate Age-Based (Multi-Firm Strategy) 17-18Moderate Portfolio with Age of Beneficiary as 19+334Moderate Age-Based (Multi-Firm Strategy) 19+Stocks
Bonds
Cash
Conservative
Conservative Portfolio with Age of Beneficiary as 0-2339Conservative Age-Based (Multi-Firm Strategy) 0-2Conservative Portfolio with Age of Beneficiary as 3-5340Conservative Age-Based (Multi-Firm Strategy) 3-5Conservative Portfolio with Age of Beneficiary as 6-8342Conservative Age-Based (Multi-Firm Strategy) 6-8Conservative Portfolio with Age of Beneficiary as 9-10343Conservative Age-Based (Multi-Firm Strategy) 9-10Conservative Portfolio with Age of Beneficiary as 11-12344Conservative Age-Based (Multi-Firm Strategy) 11-12Conservative Portfolio with Age of Beneficiary as 13-14345Conservative Age-Based (Multi-Firm Strategy) 13-14Conservative Portfolio with Age of Beneficiary as 15-16346Conservative Age-Based (Multi-Firm Strategy) 15-16Conservative Portfolio with Age of Beneficiary as 17-18348Conservative Age-Based (Multi-Firm Strategy) 17-18Conservative Portfolio with Age of Beneficiary as 19+349Conservative Age-Based (Multi-Firm Strategy) 19+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.
