Age-based options—Simplify how you invest

Our age-based options are simple, yet sophisticated. They're managed for you, so they auto-adjust, making them a popular choice with savers.

To get started, pick one savings track that matches your risk tolerance, and then we'll gradually move your savings through a series of portfolios that become more conservative over time.

For instance, if your child is 7 years old and you choose the moderate option, you'll start off in a portfolio with 60% stocks and 40% bonds and then transition to one with 75% bonds and 25% short-term investments by the time he or she is ready for college.

As your child grows, you should periodically review your investments in case your comfort with risk or personal situation changes. Whichever track you choose, your savings become less subject to market risk as your child approaches college age.

Conservative age-based option

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

 

60% stocks

40% bonds

Child age 6 to 10 years

 

40% stocks

60% bonds

Child age 11 to 15 years

 

20% stocks

80% bonds

Child age 16 to 18 years

 

75% bonds

25% short-term reserves

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

 

100% short-term reserves

Moderate age-based option

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

 

80% stocks

20% bonds

Child age 6 to 10 years

 

60% stocks

40% bonds

Child age 11 to 15 years

 

40% stocks

60% bonds

Child age 16 to 18 years

 

20% stocks

80% bonds

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

 

75% bonds

25% short-term reserves

Aggressive age-based option

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

 

100% stocks

Child age 6 to 10 years

 

80% stocks

20% bonds

Child age 11 to 15 years

 

60% stocks

40% bonds

Child age 16 to 18 years

 

40% stocks

60% bonds

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

 

20% stocks

80% bonds