Age-based tracks: Save without the guesswork

Our age-based savings tracks are managed for you. They adjust automatically—making it easier for you to save for higher education.

When you choose 1 of our 4 age-based savings tracks your money is automatically moved from one investment to another within that track, gradually shifting from more aggressive (riskier) investments to more conservative investments as your child nears college age.

The 4 tracks you can invest in are Conservative Growth, Moderate Growth, Growth and Aggressive Growth. The track you choose and your child's current age determine how much of your investment is comprised of stocks, bonds or short-term reserves.

For instance if your child is 8 years old and you choose the Conservative Growth track, you will start out invested in 40% stocks and 60% bonds. As your child ages we will gradually shift your money so that when he or she is ready for college you will be invested in 75% bonds and 25% short-term reserves.

AGE OF STUDENT

Conservative Growth track

Child age 0 to 5 years (more risk/reward)

 

Moderate Growth Portfolio

60% stocks
40% bonds

Child age 6 to 10 years

 

Conservative Growth Portfolio

40% stocks
60% bonds

Child age 11 to 15 years

 

Income Portfolio

20% stocks
80% bonds

Child age 16 to 18 years

 

Conservative Income Portfolio

75% bonds
25% short-term reserves

Child age 19 years and older (less risk/reward)

 

Money Market Portfolio

100% short-term reserves

Moderate Growth track

Child age 0 to 5 years

 

Growth Portfolio

80% stocks
20% bonds

Child age 6 to 10 years

 

Moderate Growth Portfolio

60% stocks
40% bonds

Child age 11 to 15 years

 

Conservative Growth Portfolio

40% stocks
60% bonds

Child age 16 to 18 years

 

Income Portfolio

20% stocks
80% bonds

Child age 19 years and older (less risk/reward)

 

Money Market Portfolio

100% short-term reserves

Growth track

Child age 0 to 5 years

 

Aggressive Growth Portfolio

100% stocks

Child age 6 to 10 years

 

Growth Portfolio

80% stocks
20% bonds

Child age 11 to 15 years

 

Moderate Growth Portfolio

60% stocks
40% bonds

Child age 16 to 18 years

 

Conservative Growth Portfolio

40% stocks
60% bonds

Child age 19 years and older (less risk/reward)

 

Conservative Income Portfolio

75% bonds
25% short-term reserves

Aggressive Growth track

Child age 0 to 5 years

 

Aggressive Growth Portfolio

100% stocks

Child age 6 to 10 years

 

Aggressive Growth Portfolio

100% stocks

Child age 11 to 15 years

 

Growth Portfolio

80% stocks
20% bonds

Child age 16 to 18 years

 

Moderate Growth Portfolio

60% stocks
40% bonds

Child age 19 years and older (less risk/reward)

 

Income Portfolio

20% stocks
80% bonds