Enrollment Year Investment Portfolios
Consider this if: You’re looking for an all-in-one solution to manage your savings over the long term without extra work on your part.
Our Enrollment Year Investment Portfolios make things simple for you. Select the portfolio that matches the year your child will enter college, and the asset allocation adjusts over the years to become more conservative as the enrollment year approaches. It's a great way to minimize risk as you get closer and closer to using your account to pay for qualified education expenses.
The following table lists the available Enrollment Year Investment Portfolios effective May 12, 2023, as well as the approximate age of a beneficiary for whom you may want to select such Investment Portfolio. Effective May 12, 2023, the 2022/2023 Enrollment Year Investment Portfolio was merged into the In School Portfolio and the 2040/2041 Enrollment Year Investment Portfolio was launched. It is anticipated that a new Enrollment Year Investment Portfolio will be added approximately every two years.
Enrollment Year Investment Portfolios
| Investment Portfolio Name | When will the savings be needed? |
|---|---|
| 2040/2041 Enrollment Portfolio | 17+ Years |
| 2038/2039 Enrollment Portfolio | 15-16 Years |
| 2036/2037 Enrollment Portfolio | 13-14 Years |
| 2034/2035 Enrollment Portfolio | 11-12 Years |
| 2032/2033 Enrollment Portfolio | 9-10 Years |
| 2030/2031 Enrollment Portfolio | 7-8 Years |
| 2028/2029 Enrollment Portfolio | 5-6 Years |
| 2026/2027 Enrollment Portfolio | 3-4 Years |
| 2024/2025 Enrollment Portfolio | 1-2 Years |
| In School Portfolio | Now |
The investment portfolios are subject to the risks of the underlying funds including the loss of principal.
Enrollment Year Investment Portfolio Glidepath
How does it work?
For each Enrollment Year Investment Portfolio, the allocation or mix of equities, bonds and capital preservation adjusts automatically to become more conservative as the enrollment year approaches.
Ideal for All Education Savings Goals
Families can also take advantage of the versatility of the Enrollment Year Investment Portfolios to save for all types of qualified education expenses, including college/university, community college, trade schools, professional and graduate schools, apprenticeship expenses and K-12 tuition.*
Footnotes
- *Withdrawals for tuition expenses at a public, private or religious elementary, middle, or high school and registered apprenticeship programs can be withdrawn free from federal and Wisconsin income tax. If you are not a Wisconsin taxpayer, these withdrawals may include recapture of tax deduction, state income tax as well as penalties. You should talk to a qualified professional about how tax provisions affect your circumstances.
K-12 withdrawals are limited to $10,000 per year for K-12 tuition. Apprenticeship programs must be registered and certified with the Secretary of Labor under the National Apprenticeship Act.↩
Understand Your Risk Tolerance Level
What level of risk are you comfortable with? You can find out by answering our Risk Tolerance questions. If you are a conservative investor, you may wish to choose an earlier enrollment year portfolio regardless of the year your future student begins four-year college/university, community college or trade school. More aggressive investors can select a later date. Investors aligning with their risk tolerance or seeking particular investment objectives can view asset allocation across enrollment year dates above to help guide their decision.
