Direct Portfolio Age-Based Options
If you'd like to free yourself from the task of adjusting your 529 investment allocation over time, you may want to consider an Age-Based Option. There are three choices within our Age-Based Options: Conservative, Moderate and Aggressive.
Select an Age-Based Option based on your risk tolerance category. The Conservative option offers a higher concentration of assets in bonds or short-term investments, which generally tend to be less volatile. These types of investments may not decline as far when markets go down, but also may not appreciate in value as much when markets go up. The Aggressive Option offers a higher concentration in stock funds . The Moderate Option falls between the two.
When you select any of these options, your assets will be managed according to the age of your account 's beneficiary. Regardless of which option you choose, your assets are automatically shifted from a higher concentration of stocks to bonds and short-term investments as the beneficiary ages. This helps protect your capital and lower your market exposure to risk as your beneficiary approaches college age.
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If you want to determine when and how your investments adjust over time, you may want to consider Blended or Individual Portfolio Options. Please note that there are limitations on your ability to move assets between portfolios.1
Check the prices and performance of each of the portfolios mentioned above.
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1 Restrictions apply, please read the Plan Disclosure Statement carefully.
For more information about the CollegeInvest Direct Portfolio College Savings Plan, visit www.collegeinvest.org to obtain a Plan Disclosure Statement and Participation Agreement. Investment objectives, risks, charges, expenses, and other important information are included in these documents; read and consider them carefully before investing. If you are not a Colorado taxpayer, consider before investing whether your or the designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program. Administered and issued by CollegeInvest. Vanguard Marketing Corporation, Distributor and Underwriter.
Investments in the CollegeInvest Direct Portfolio 529 College Savings Plan are not guaranteed by the State of Colorado or any other governmental entity, the Vanguard Group, Inc. or Upromise Investments, Inc., and may lose value including the principal amount invested.
Capacity of Dealer and Other Parties
CollegeInvest is the issuer of plan securities and is the trustee of the plans in accordance with Colorado law. CollegeInvest also oversees the Managers’ activities and provides certain administrative services, such as marketing, audit, and financial statements, in connection with the plans.
Upromise Investments, Inc. serves as Plan Manager for the CollegeInvest Direct Portfolio College Savings Plan and has overall responsibility for the day-to-day operations, including effecting transactions. The Vanguard Group, Inc. also serves as Plan Manager and Investment Manager for the CollegeInvest Direct Portfolio College Savings Plan and Vanguard Marketing Corporation, an affiliate of The Vanguard Group, Inc., assists CollegeInvest with marketing and distributing the Direct Portfolio College Savings Plan.
The Plan’s portfolios, although they invest in Vanguard mutual funds, are not mutual funds.
CollegeInvest and the CollegeInvest logo are registered trademarks. Vanguard is a trademark of The Vanguard Group, Inc. Upromise is a registered service mark of Upromise, Inc.