Direct Portfolio Age-Based Options

Enroll Now!

If you'd like to free yourself from the task of adjusting your 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.

(Enlarge Age-Based Options Chart)

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

Performance
Click here to check the prices and performance of each of the portfolios mentioned above.

Important Considerations

The Portfolios, although they invest in Vanguard^® mutual funds, are not mutual funds. To learn more about the Vanguard mutual funds that make up these portfolios, please click here. Please keep in mind that as a plan account owner, you will not own individual shares of the Vanguard funds that comprise the plan’s underlying investments.

¹ Restrictions apply, please read the Plan Disclosure Statement  carefully.

Investments in bonds are subject to interest rate, credit, and inflation risk.

Official Statement
Please read the applicable Plan Disclosure Statements carefully before investing. They explain certain risks, fees, limitations, restrictions and qualifications regarding the Plans’ benefits and potential tax advantages. Plan Disclosure Statements can be found at www.collegeinvest.org. Investments in CollegeInvest Plans are not guaranteed by the state of Colorado or any other governmental entity, and may lose value, including principal amount invested. Administered and issued by CollegeInvest.

Home State
If you or your designated beneficiary are a resident of a state other than Colorado, before investing you should check with your home state to see if it offers a 529 program. That program may offer state tax or other benefits to residents of that state that may not be available to investors in programs of other states.

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.

Vanguard and Upromise
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., serves as Plan Manager and Investment Manager for the CollegeInvest Direct Portfolio College Savings Plan. Vanguard Marketing Corporation, an affiliate of The Vanguard Group, Inc., also assists CollegeInvest with marketing and distributing the CollegeInvest Direct Portfolio College Savings Plan.

Vanguard Marketing Corporation, Distributor and Underwriter for the CollegeInvest Direct Portfolio College Savings Plan.

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.