ScholarShare College Savings Plan

Age-Based Portfolio Options

This is the simple, all-in-one portfolio option, which changes from a growth strategy when your child is young to hold strategy as their college years approach.

You don’t need to be a savvy investor to participate in the ScholarShare College Savings Plan. It’s not about choosing ‘the right’ investment, it’s about choosing the investment that’s right for you. For many people, an Age-Based Portfolio Option can be that choice. Because it automatically shifts from aggressive-to-conservative investments as your child ages, you maximize the opportunities of your investment horizon without needing to manually rebalance your portfolio each year.

Changing Your Investments

Once you invest in a particular investment portfolio, you can transfer contributions and any earnings to another investment portfolio up to twice per calendar year or upon a transfer of funds to a ScholarShare account for a different beneficiary.

Periodically Review Your Investments

It’s a good idea to periodically re-evaluate your investment strategy as your goals, investment horizon, and personal situation change — for example, annually at tax time, on a yearly basis if your income changes, or upon the birth of another child.


How Age-Based Portfolio Options Work

The Age-Based Portfolio Option seeks to match the investment objective and level of risk to the investment horizon by factoring in the child’s current age and the number of years before they turn 18. Depending on this age, contributions to these Investment Portfolios will be placed in various age bands, each of which has a different investment objective and investment strategy.

As discussed in more detail below, the age bands for younger Beneficiaries seek a favorable long-term return by primarily investing in mutual funds that primarily invest in equity and real estate securities, which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest in equity and real estate securities and more in mutual funds that invest in debt securities and in other investments that seek to preserve principal.

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View Portfolio Options

Passive Age-Based Investment Portfolio

(Risk level shifts from aggressive to conservative as the Beneficiary ages)

Passive Age-Based Investment Portfolio
BENEFICIARY'S AGE ALLOCATION PORTFOLIO OBJECTIVE
0‑4 YEARS
The investments in this age-band seek long-term growth by investing primarily in equity mutual funds. A percentage of assets are invested in fixed income mutual funds to help provide some protection from equity volatility.

  50.40%U.S. Equity
  24.00%International
    5.60%Real Estate
  20.00%Fixed Income
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5‑8 YEARS
The investments in this age-band seek long-term growth by investing primarily in equity mutual funds. A percentage of assets are invested in fixed income mutual funds to help provide some protection from equity volatility.

  44.10%U.S. Equity
  21.00%International
    4.90%Real Estate
  30.00%Fixed Income
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9‑10 YEARS
The investments in this age-band seek growth by investing in an allocation weighted toward equity mutual funds versus fixed income and money market mutual funds.

  37.80%U.S. Equity
  18.00%International
    4.20%Real Estate
  40.00%Fixed Income
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11‑12 YEARS
The investments in this age-band seek moderate growth by investing in a more balanced asset allocation between equity mutual funds and fixed income mutual funds.

  31.50%U.S. Equity
  15.00%International
    3.50%Real Estate
  50.00%Fixed Income
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13‑14 YEARS
The investments in this age-band seek conservative growth by investing in an asset allocation weighted toward fixed income mutual funds versus equity mutual funds.

  25.20%U.S. Equity
  12.00%International
    2.80%Real Estate
  60.00%Fixed Income
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15 YEARS
The investments in this age-band seek conservative growth by investing in an asset allocation weighted toward fixed income mutual funds versus equity mutual funds.

  18.90%U.S. Equity
    9.00%International
    2.10%Real Estate
  60.00%Fixed Income
  10.00%Funding Agreement
Read More X

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16 YEARS
The investments in this age-band seek conservative growth by investing in an asset allocation weighted toward fixed income mutual funds and other short term investments versus equity mutual funds.

  15.75%U.S. Equity
    7.50%International
    1.75%Real Estate
  55.00%Fixed Income
  20.00%Funding Agreement
Read More X

View Underlying Mutual Funds

17 YEARS
The investments in this age-band seek conservative growth by investing in an asset allocation weighted toward fixed income mutual funds and other short term investments versus equity mutual funds.

  12.60%U.S. Equity
    6.00%International
    1.40%Real Estate
  45.00%Fixed Income
  35.00%Funding Agreement
Read More X

View Underlying Mutual Funds

18+ YEARS
The investments in this age-band seek to preserve your capital by investing more in mutual funds that invest primarily in bond funds and other short term investments versus equity mutual funds

    9.45%U.S. Equity
    4.50%International
    1.05%Real Estate
  35.00%Fixed Income
  50.00%Funding Agreement
Read More X

View Underlying Mutual Funds

Active Age-Based Investment Portfolio

(Risk level shifts from aggressive to conservative as the Beneficiary ages)

Active Age-Based Investment Portfolio
BENEFICIARY'S AGE ALLOCATION PORTFOLIO OBJECTIVE
0‑4 YEARS
The investments in this age-band seek long-term growth by investing primarily in equity mutual funds. A percentage of assets are invested in fixed income mutual funds to help provide some protection from equity volatility.

  50.40%U.S. Equity
  24.00%International
    5.60%Real Estate
  20.00%Fixed Income
Read More X

View Underlying Mutual Funds

5‑8 YEARS
The investments in this age-band seek long-term growth by investing primarily in equity mutual funds. A percentage of assets are invested in fixed income mutual funds to help provide some protection from equity volatility.

  44.10%U.S. Equity
  21.00%International
    4.90%Real Estate
  30.00%Fixed Income
Read More X

View Underlying Mutual Funds

9‑10 YEARS
The investments in this age-band seek growth by investing in an allocation weighted toward equity mutual funds versus fixed income and money market mutual funds.

  37.80%U.S. Equity
  18.00%International
    4.20%Real Estate
  40.00%Fixed Income
Read More X

View Underlying Mutual Funds

11‑12 YEARS
The investments in this age-band seek moderate growth by investing in a more balanced asset allocation between equity mutual funds and fixed income mutual funds.

  31.50%U.S. Equity
  15.00%International
    3.50%Real Estate
  50.00%Fixed Income
Read More X

View Underlying Mutual Funds

13‑14 YEARS
The investments in this age-band seek conservative growth by investing in an asset allocation weighted toward fixed income mutual funds versus equity mutual funds.

  25.20%U.S. Equity
  12.00%International
    2.80%Real Estate
  60.00%Fixed Income
Read More X

View Underlying Mutual Funds

15 YEARS
The investments in this age-band seek conservative growth by investing in an asset allocation weighted toward fixed income mutual funds versus equity mutual funds.

  18.90%U.S. Equity
    9.00%International
    2.10%Real Estate
  60.00%Fixed Income
  10.00%Funding Agreement
Read More X

View Underlying Mutual Funds

16 YEARS
The investments in this age-band seek conservative growth by investing in an asset allocation weighted toward fixed income mutual funds and other short term investments versus equity mutual funds.

  15.75%U.S. Equity
    7.50%International
    1.75%Real Estate
  55.00%Fixed Income
  20.00%Funding Agreement
Read More X

View Underlying Mutual Funds

17 YEARS
The investments in this age-band seek conservative growth by investing in an asset allocation weighted toward fixed income mutual funds and other short term investments versus equity mutual funds.

  12.60%U.S. Equity
    6.00%International
    1.40%Real Estate
  45.00%Fixed Income
  35.00%Funding Agreement
Read More X

View Underlying Mutual Funds

18+ YEARS
The investments in this age-band seek to preserve your capital by investing more in mutual funds that invest primarily in bond funds and other short term investments versus equity mutual funds

    9.45%U.S. Equity
    4.50%International
    1.05%Real Estate
  35.00%Fixed Income
  50.00%Funding Agreement
Read More X

View Underlying Mutual Funds