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.

Find out about risk tolerance

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 when he or she is ready for higher education you will be invested in 75% bonds and 25% short-term reserves.

AGE OF BENEFICIARY

AGE OF BENEFICIARY

Conservative
Growth track

Moderate
Growth track

Growth
track

Aggressive
Growth track

0 to 5
years

 

Moderate Growth
Portfolio

60% Stocks

40% Bonds

 

Growth
Portfolio

80% Stocks

20% Bonds

 

Aggressive Growth
Portfolio

100% Stocks

 

Aggressive Growth
Portfolio

100% Stocks

6 to 7
years

 

Blended Moderate
Growth Portfolio

50% Stocks

50% Bonds

 

Blended Growth
Portfolio

70% Stocks

30% Bonds

 

Blended Aggressive
Growth Portfolio

90% Stocks

10% Bonds

 

Aggressive Growth
Portfolio

100% Stocks

8 to 9
years

 

Conservative Growth
Portfolio

40% Stocks

60% Bonds

 

Moderate Growth
Portfolio

60% Stocks

40% Bonds

 

Growth
Portfolio

80% Stocks

20% Bonds

 

Aggressive Growth
Portfolio

100% Stocks

10 to 11
years

 

Blended Conservative
Growth Portfolio

30% Stocks

70% Bonds

 

Blended Moderate
Growth Portfolio

50% Stocks

50% Bonds

 

Blended Growth
Portfolio

70% Stocks

30% Bonds

 

Blended Aggressive
Growth Portfolio

90% Stocks

10% Bonds

12 to 13
years

 

Income Portfolio

20% Stocks

80% Bonds

 

Conservative Growth
Portfolio

40% Stocks

60% Bonds

 

Moderate Growth
Portfolio

60% Stocks

40% Bonds

 

Growth
Portfolio

80% Stocks

20% Bonds

14 to 15
years

 

Blended Income
Portfolio

10% Stocks

90% Bonds

 

Blended Conservative
Growth Portfolio

30% Stocks

70% Bonds

 

Blended Moderate
Growth Portfolio

50% Stocks

50% Bonds

 

Blended Growth
Portfolio

70% Stocks

30% Bonds

16 to 17
years

 

Conservative Income
Portfolio

75% Bonds

25% Short-term reserves

 

Income
Portfolio

20% Stocks

80% Bonds

 

Conservative Growth
Portfolio

40% Stocks

60% Bonds

 

Moderate Growth
Portfolio

60% Stocks

40% Bonds

18 years

 

Conservative Income
Portfolio

75% Bonds

25% Short-term reserves

 

Blended Income
Portfolio

10% Stocks

90% Bonds

 

Blended Conservative
Growth Portfolio

30% Stocks

70% Bonds

 

Conservative Growth
Portfolio

40% Stocks

60% Bonds

19+
years

 

Interest Accumulation
Portfolio

100% Short-term reserves

 

Interest Accumulation
Portfolio

100% Short-term reserves

 

Conservative Income
Portfolio

75% Bonds

25% Short-term reserves

 

Income
Portfolio

20% Stocks

80% Bonds

Conservative Growth track

0 to 5
years

 

Moderate Growth
Portfolio

60% Stocks

40% Bonds

6 to 7
years

 

Blended Moderate
Growth Portfolio

50% Stocks

50% Bonds

8 to 9
years

 

Conservative Growth
Portfolio

40% Stocks

60% Bonds

10 to 11
years

 

Blended Conservative
Growth Portfolio

30% Stocks

70% Bonds

12 to 13
years

 

Income Portfolio

20% Stocks

80% Bonds

14 to 15
years

 

Blended Income
Portfolio

10% Stocks

90% Bonds

16 to 17
years

 

Conservative Income
Portfolio

75% Bonds

25% Short-term reserves

18 years

 

Conservative Income
Portfolio

75% Bonds

25% Short-term reserves

19+ years

 

Interest Accumulation
Portfolio

100% Short-term reserves

Moderate Growth track

0 to 5
years

 

Growth
Portfolio

80% Stocks

20% Bonds

6 to 7
years

 

Blended Growth
Portfolio

70% Stocks

30% Bonds

8 to 9
years

 

Moderate Growth
Portfolio

60% Stocks

40% Bonds

10 to 11
years

 

Blended Conservative
Growth Portfolio

50% Stocks

50% Bonds

12 to 13
years

 

Conservative Growth
Portfolio

40% Stocks

60% Bonds

14 to 15
years

 

Blended Conservative
Growth Portfolio

30% Stocks

70% Bonds

16 to 17
years

 

Income
Portfolio

20% Stocks

80% Bonds

18 years

 

Blended Income
Portfolio

10% Stocks

90% Bonds

19+ years

 

Interest Accumulation
Portfolio

100% Short-term reserves

Growth track

0 to 5
years

 

Aggressive Growth
Portfolio

100% Stocks

6 to 7
years

 

Blended Aggressive
Growth Portfolio

90% Stocks

10% Bonds

8 to 9
years

 

Growth
Portfolio

80% Stocks

20% Bonds

10 to 11
years

 

Blended Growth
Portfolio

70% Stocks

30% Bonds

12 to 13
years

 

Moderate Growth
Portfolio

60% Stocks

40% Bonds

14 to 15
years

 

Blended Moderate
Growth Portfolio

50% Stocks

50% Bonds

16 to 17
years

 

Conservative Growth
Portfolio

40% Stocks

60% Bonds

18 years

 

Blended Conservative
Growth Portfolio

30% Stocks

70% Bonds

19+ years

 

Moderate Growth
Portfolio

75% Bonds

25% Short-term reserves

Aggressive Growth track

0 to 5
years

 

Aggressive Growth
Portfolio

100% Stocks

6 to 7
years

 

Aggressive Growth
Portfolio

100% Stocks

8 to 9
years

 

Aggressive Growth
Portfolio

100% Stocks

10 to 11
years

 

Blended Aggressive
Growth Portfolio

90% Stocks

10% Bonds

12 to 13
years

 

Growth
Portfolio

80% Stocks

20% Bonds

14 to 15
years

 

Blended Growth
Portfolio

70% Stocks

30% Bonds

16 to 17
years

 

Moderate Growth
Portfolio

60% Stocks

40% Bonds

18 years

 

Conservative Growth
Portfolio

40% Stocks

60% Bonds

19+ years

 

Income
Portfolio

20% Stocks

80% Bonds