Funds to Get You Started

College Investment Portfolios

These model portfolios are designed to help you allocate investments throughout your child's life to reach your college savings goal. They are examples only and may not be appropriate for you or your family. You must actively monitor your own financial situation and consider how other factors, such as gifts from grandparents, inheritance, trusts or other investments, as well as major family expenses might affect your plan over time.

Infant and Toddler Portfolio Newborn to Age 5 College Countdown: 13-20 years to save Investment Goal: Maximum Long-term Growth You have the maximum opportunity to build college assets. With time on your side, you can take on the higher risks associated with more aggressive funds that offer the greatest potential for long-term growth. Begin Automatic Monthly Investments now and increase the amount every year.

Childhood Portfolio Age 6-12 College Countdown: 6 to 12 years to save Investment Goal: Long-term Growth A portion of the portfolio can still focus on aggressive growth to build assets. You also may want to reduce risk by diversifying into less volatile funds for more conservative growth and income as the child grows older. Continue or increase Automatic Monthly Investments.

Teenage Portfolio Age 13-18 College Countdown: 1-4 years to save Investment Goal: Growth, Income and Capital Preservation You'll need more stable income with easy access to the funds as college bills begin to arrive. Shift investments from maximum growth funds into fixed income securities with maturities that match your timetable for using the money. To preserve capital, a conservative approach is in order. Place some of the assets in a money market mutual fund with check-writing privileges.

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