Age-based options: Simple, yet smart

Our age-based options are managed for you, so they can simplify the way that you invest. This makes them a smart choice for college savers.

To get started, choose the one age-based option (conservative, moderate, or aggressive) that most closely matches your child's age and your comfort level with risk. Then we'll gradually move your savings through a series of portfolios that become more conservative over time.

For instance, if your child is 7 years old and you choose the moderate option, you'll start off in a portfolio with 62.5% stocks and 37.5% bonds and then transition to one with 75% bonds and 25% short-term reserves by the time he or she is ready for college.

Conservative age-based option

Child age 0 to 4 years (more risk/reward)

Blended Growth Portfolio

62.5% stocks

37.5% bonds

Child age 5 to 6 years

Moderate Growth Portfolio

50% stocks

50% bonds

Child age 7 to 8 years

Disciplined Growth Portfolio

37.5% stocks

62.5% bonds

Child age 9 to 10 years

Conservative Growth Portfolio

25% stocks

75% bonds

Child age 11 to 12 years

Conservative Portfolio

12.5% stocks

87.5% bonds

Child age 13 to 14 years

Income Portfolio

75% bonds

25% short-term reserves

Child age 15 to 16 years

Balanced Income Portfolio

50% bonds

50% short-term reserves

Child age 17 to 18 years

Conservative Income Portfolio

25% bonds

75% short-term reserves

Child age 19 years & up (less risk/reward)

Interest Accumulation Portfolio

100% short-term reserves

Moderate age-based option

Child age 0 to 4 years (more risk/reward)

Aggressive Portfolio

87.5% stocks

12.5% bonds

Child age 5 to 6 years

Growth Portfolio

75% stocks

25% bonds

Child age 7 to 8 years

Blended Growth Portfolio

62.5% stocks

37.5% bonds

Child age 9 to 10 years

Moderate Growth Portfolio

50% stocks

50% bonds

Child age 11 to 12 years

Disciplined Growth Portfolio

37.5% stocks

62.5% bonds

Child age 13 to 14 years

Conservative Growth Portfolio

25% stocks

75% bonds

Child age 15 to 16 years

Conservative Portfolio

12.5% stocks

87.5% bonds

Child age 17 to 18 years

Income Portfolio

75% bonds

25% short-term reserves

Child age 19 years & up (less risk/reward)

Income Portfolio

75% bonds

25% short-term reserves

Aggressive age-based option

Child age 0 to 4 years (more risk/reward)

Aggressive Growth Portfolio

100% stocks

Child age 5 to 6 years

Aggressive Portfolio

87.5% stocks

12.5% bonds

Child age 7 to 8 years

Aggressive Portfolio

87.5% stocks

12.5% bonds

Child age 9 to 10 years

Growth Portfolio

75% stocks

25% bonds

Child age 11 to 12 years

Blended Growth Portfolio

62.5% stocks

37.5% bonds

Child age 13 to 14 years

Moderate Growth Portfolio

50% stocks

50% bonds

Child age 15 to 16 years

Disciplined Growth Portfolio

37.5% stocks

62.5% bonds

Child age 17 to 18 years

Conservative Growth Portfolio

25% stocks

75% bonds

Child age 19 years & up (less risk/reward)

Conservative Portfolio

12.5% stocks

87.5% bonds