Age-Based Portfolios:
Sophisticated investing made simple

Don’t think you have the understanding needed to manage your education investment? Consider our Age-Based options. These portfolios align with your child’s start date for higher education or vocational school. As that date approaches, your goal shifts from growing your savings to protecting it. As a result, your mix of stocks and bonds automatically adjusts to become more conservative.

Choose your risk tolerance and we’ll manage your investment to grow more conservative over time.

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NOT OK WITH RISK

Conservative

Conservative

Portfolios

Medium risk

Moderate

Moderate

Portfolios

OK WITH RISK

Aggressive

Aggressive

Portfolios

What’s your comfort with risk? If you’re not comfortable with risk, you may want to consider a Conservative Portfolio. If you’re comfortable with risk, you may want to consider an Aggressive Portfolio. If you’re comfort with risk falls somewhere in between, you may want to consider a Moderate Portfolio.

Child age 0 to 5 years
(more risk/reward)

 

60% stocks

40% bonds

Vanguard Moderate Growth Portfolio

Child age 6 to 7 years

 

50% stocks

50% bonds

Vanguard Blended Moderate Growth Portfolio

Child age 8 to 9 years

 

40% stocks

60% bonds

Vanguard Conservative Growth Portfolio

Child age 10 to 11 years

 

30% stocks

70% bonds

Vanguard Conservative Portfolio

Child age 12 to 13 years

 

20% stocks

80% bonds

Vanguard Income Portfolio

Child age 14 to 15 years

 

10% stocks

90% bonds

Vanguard Blended Income Portfolio

Child age 16 to 17 years

 

75% bonds

25% short-term reserves

Vanguard Conservative Income Portfolio

Child age 18 years

 

75% bonds

25% short-term reserves

Vanguard Conservative Income Portfolio

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

 

100% short-term reserves

Vanguard Interest Accumulation Portfolio

Child age 0 to 5 years
(more risk/reward)

 

80% stocks

20% bonds

Vanguard Growth Portfolio

Child age 6 to 7 years

 

70% stocks

30% bonds

Vanguard Blended Growth Portfolio

Child age 8 to 9 years

 

60% stocks

40% bonds

Vanguard Moderate Growth Portfolio

Child age 10 to 11 years

 

50% stocks

50% bonds

Vanguard Blended Moderate Growth Portfolio

Child age 12 to 13 years

 

40% stocks

60% bonds

Vanguard Conservative Growth Portfolio

Child age 14 to 15 years

 

30% stocks

70% bonds

Vanguard Conservative Portfolio

Child age 16 to 17 years

 

20% stocks

80% bonds

Vanguard Income Portfolio

Child age 18 years

 

10% stocks

90% bonds

Vanguard Blended Income Portfolio

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

 

75% bonds

25% short-term reserves

Vanguard Conservative Income Portfolio

Child age 0 to 5 years
(more risk/reward)

 

100% stocks

Vanguard Aggressive Growth Portfolio

Child age 6 to 7 years

 

90% stocks

10% bonds

Vanguard Aggressive Portfolio

Child age 8 to 9 years

 

80% stocks

20% bonds

Vanguard Growth Portfolio

Child age 10 to 11 years

 

70% stocks

30% bonds

Vanguard Blended Growth Portfolio

Child age 12 to 13 years

 

60% stocks

40% bonds

Vanguard Moderate Growth Portfolio

Child age 14 to 15 years

 

50% stocks

50% bonds

Vanguard Blended Moderate Growth Portfolio

Child age 16 to 17 years

 

40% stocks

60% bonds

Vanguard Conservative Growth Portfolio

Child age 18 years

 

30% stocks

70% bonds

Vanguard Conservative Portfolio

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

 

20% stocks

80% bonds

Vanguard Income Portfolio

What’s your comfort with risk?

If you’re not comfortable with risk, you may want to consider a Conservative Portfolio. If you’re comfortable with risk, you may want to consider an Aggressive Portfolio. If you’re comfort with risk falls somewhere in between, you may want to consider a Moderate Portfolio.