Iowa Educational Savings Plans Trust

Age-Based Tracks

Professionally managed investments without the guesswork.

Choose one of College Savings Iowa’s four Age-Based Savings Tracks to have your investments managed for you. The money in your account is automatically moved from one investment to another within your chosen track, gradually shifting from more aggressive to more conservative as your Beneficiary ages.

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

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

Choose Your Track.

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% Stock
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

 

All investing is subject to risk, including the possible loss of the money you invest. Investments in bonds are subject to interest rate, credit and inflation risk.

Vanguard Conservative Income Portfolio and Vanguard Interest Accumulation Portfolio both invest in Vanguard Short-Term Reserves Account, which, in turn, invests in Vanguard Federal Money Market Fund. The Vanguard Short-Term Reserves Account could lose money by investing in the Vanguard Federal Money Market Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.

© 2024 Iowa Educational Savings Plans Trust. All rights reserved.