Investing with an Advisor: Age-Based Tracks

Choose a Conservative, Moderate, or Aggressive track. The portfolio mix automatically adjusts as the beneficiary gets older.

Fees & Expenses

An age-based investment is based on the age of your child. You simply choose the investment track — Conservative, Moderate, or Aggressive.

Over time, the account automatically moves through portfolios that make up each track. These portfolios invest in a mix of stock and bond mutual funds and cash from multiple investment managers.

Conservative, Moderate and Aggressive Investment Tracks

Age of Beneficiary	Conservative Track	Moderate Track	Aggressive Track
0–4	60% Equity Portfolio	70% Equity Portfolio	90% Equity Portfolio
5–7	50% Equity Portfolio	60% Equity Portfolio	80% Equity Portfolio
8–10	40% Equity Portfolio	50% Equity Portfolio	70% Equity Portfolio
11–13	30% Equity Portfolio	50% Equity Portfolio	60% Equity Portfolio
14–15	30% Equity Portfolio	40% Equity Portfolio	50% Equity Portfolio
16–17	20% Equity Portfolio	30% Equity Portfolio	40% Equity Portfolio
18–19	10% Equity Portfolio	20% Equity Portfolio	30% Equity Portfolio
20+	Short-Term Portfolio	10% Equity Portfolio	20% Equity Portfolio

Conservative, Moderate and Aggressive Investment Tracks

Age of Beneficiary	Conservative Track	Moderate Track	Aggressive Track
0–4	60% Equity Portfolio	70% Equity Portfolio	90% Equity Portfolio
5–7	50% Equity Portfolio	60% Equity Portfolio	80% Equity Portfolio
8–10	40% Equity Portfolio	50% Equity Portfolio	70% Equity Portfolio
11–13	30% Equity Portfolio	50% Equity Portfolio	60% Equity Portfolio
14–15	30% Equity Portfolio	40% Equity Portfolio	50% Equity Portfolio
16–17	20% Equity Portfolio	30% Equity Portfolio	40% Equity Portfolio
18–19	10% Equity Portfolio	20% Equity Portfolio	30% Equity Portfolio
20+	Short-Term Portfolio	10% Equity Portfolio	20% Equity Portfolio