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CollegeInvest Direct Portfolio College Savings Plan
Investment Management by Vanguard
When you choose the CollegeInvest Direct Portfolio College Savings Plan, you gain the expertise of The Vanguard Group, one of the world's largest investment management firms with more than $1.5 trillion in US mutual fund assets under management as of October 31, 2010. Vanguard offers you an impressive package: time-tested investment strategies, client-focused values and costs that are among the lowest in the mutual fund industry. All these factors can work together to help Direct Portfolio 529 account owners accumulate the savings they need to reach their higher education financing goals.
Vanguard focuses on attaining superior long-term performance for investors rather than eye-popping short-term results. By using sophisticated portfolio management tools, Vanguard keeps costs low while striving to ensure that its index funds (such as those held within the CollegeInvest Direct Portfolio College Savings Plan portfolios) track market benchmarks more closely than other index funds.
The CollegeInvest Direct Portfolio
College Savings Plan offers a variety of benefits to you as an investor. Please read through the plan to see how it can be tailored to fit your investment needs.
» read more details about the Direct Portfolio College Savings Plan
529 Investment Options
The CollegeInvest Direct Portfolio College Savings Plan offers eleven 529 investment options provided by The Vanguard Group:
Three Age-Based Options
Within these three options, your assets will be managed according to the age of your beneficiary. As your student ages, your assets are automatically shifted from more aggressive to more conservative investments.
» read more about our age-based investment options
Five Blended Portfolios and Three Individual Portfolios
These eight options allow you to tailor your investments to be more conservative or aggressive. Your assets will not move between portfolios until you instruct the plan to adjust your allocations.You may choose up to five of these investment options for your account.
» read more about blended and individual 529 investment options
Check the prices and performance of each of the portfolios mentioned above.
» read more
*Source: savingforcollege.com, September 2012. The Direct Portfolio Plan received a 5-Cap rating for Colorado residents. 5-Cap Ratings represent the attractiveness of a 529 plan, relative to all other 529 plans, by assigning an overall rating to each 529 program ranging from 1 Cap (least attractive) to 5 Caps (most attractive). 5-Cap Ratings represent an assessment based on many considerations such as flexibility, liquidity and availability, ownership rights, state benefits, investment approach and safety, program resources and financial aid impact. It is not strictly a measure of historical returns, and it is not a predictor of future investment performance, level of investment risk or financial solvency of the program funds. These ratings are not the result of a fixed formula and a significant portion of the analysis is subjective. Before establishing a 529 account and making contributions, it is imperative that investors read and understand all enrollment materials and disclosures from the programs.
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. Colorado’s 529 College Savings Program is 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.