{"id":20,"date":"2021-07-12T16:41:58","date_gmt":"2021-07-12T16:41:58","guid":{"rendered":"https:\/\/collegeinv.wpengine.com\/?page_id=20"},"modified":"2025-09-15T02:23:51","modified_gmt":"2025-09-15T02:23:51","slug":"age-based-investment-options","status":"publish","type":"page","link":"https:\/\/www.collegeinvest.org\/529-savings-plans\/direct-portfolio\/age-based-investment-options\/","title":{"rendered":"Direct Portfolio Age-Based Options"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Hero Section” module_class=”hero-section direct-hero investment-hero” _builder_version=”4.16″ da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” animation_style=”slide” animation_direction=”left” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][cumo_breadcrumb _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/cumo_breadcrumb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” animation_style=”slide” animation_direction=”bottom” global_colors_info=”{}”][et_pb_text admin_label=”Hero Content” module_class=”headline h1-dark” _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Direct Portfolio<\/h1>\n

Age-based investment options<\/h2>\n

If you prefer an investment option managed by a financial professional, our Age-Based options could be the right choice for you.<\/p>\n

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plan managed by:\u00a0<\/p>\n

[\/et_pb_text][cumo_two_logo_inline first_logo=”https:\/\/www.collegeinvest.org\/wp-content\/uploads\/2021\/09\/Vanquard-Logo-Hero@2x.png” second_logo=”https:\/\/www.collegeinvest.org\/wp-content\/uploads\/2021\/09\/Ascensus-Logo-Hero@2x.png” first_logo_alt=”logo-Vanguard” second_logo_alt=”logo-Ascensus” _builder_version=”4.16″ _module_preset=”default” locked=”off” global_colors_info=”{}”][\/cumo_two_logo_inline][et_pb_button button_url=”\/enroll-529-savings-plan\/#direct-portfolio” button_text=”enroll in this plan” admin_label=”Button Green” module_class=”button green” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” animation_style=”slide” animation_direction=”right” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.collegeinvest.org\/wp-content\/uploads\/2022\/08\/2U9A9881_1-sfw.jpg” alt=”Direct Portfolio” title_text=”2U9A9881_1-sfw” src_tablet=”https:\/\/www.collegeinvest.org\/wp-content\/uploads\/2021\/09\/img-hero-529-scholarship-colorado-2x.png” src_phone=”https:\/\/www.collegeinvest.org\/wp-content\/uploads\/2021\/08\/Screen-Shot-2021-04-26-at-3.25.22-PM-2.png” src_last_edited=”on|tablet” _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Sidebar Section” module_class=”sidebar-section age-based-sidebar” _builder_version=”4.16″ background_image=”https:\/\/www.collegeinvest.org\/wp-content\/uploads\/2021\/09\/background-purple.png” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ _module_preset=”default” animation_style=”slide” animation_direction=”bottom” global_colors_info=”{}”][et_pb_text admin_label=”Content” module_class=”content-sbs” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Direct Portfolio age-based options<\/h2>\n

Age-Based options are designed to take into account a Beneficiary\u2019s age and your investing time horizon\u2014i.e., the number of years before the Beneficiary is expected to attend a college or trade school. These options are designed to help you save for postsecondary education expenses and may not be appropriate for K-12 time horizons.<\/p>\n

In general, the portfolios for younger Beneficiaries are more heavily weighted in stock funds to maximize returns and capitalize on the longer investment time frame. As time passes and they get closer to entering college, the account assets are automatically adjusted from stock funds to bonds and\/or money market funds to minimize risk and preserve capital.<\/p>\n

There are three choices within our Age-Based options: Conservative, Moderate and Aggressive.<\/p>\n