You don’t need to be a savvy investor to participate in the Edvest 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 Investment 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 investment options each year.
Changing Your Investments
Once you invest in a particular investment option, you can transfer contributions and any earnings to another investment option up to twice per calendar year or upon a transfer of funds to an Edvest 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 Investment Options Work
The Age-Based Option, intended for those saving for college, 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 Options will be placed in various age bands, each of which has a different investment objective and investment strategy.
As discussed in more detail in the Disclosure Booklet, 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.
Age-Based Option
(Risk level shifts from aggressive to conservative as the Beneficiary approaches college age)
| BENEFICIARY'S AGE | ALLOCATION | INVESTMENT OBJECTIVE |
|---|---|---|
| 0‑4 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Age-Based Option will invest more heavily in conservative investments than the corresponding age band within the Aggressive Age-Based Option. 74.40%Equities
5.60%Real Estate
20.00%Bonds
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| 5‑8 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Age-Based Option will invest more heavily in conservative investments than the corresponding age band within the Aggressive Age-Based Option. 65.10%Equities
4.90%Real Estate
30.00%Bonds
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| 9‑10 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Age-Based Option will invest more heavily in conservative investments than the corresponding age band within the Aggressive Age-Based Option. 55.80%Equities
4.20%Real Estate
40.00%Bonds
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| 11‑12 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Age-Based Option will invest more heavily in conservative investments than the corresponding age band within the Aggressive Age-Based Option. 46.50%Equities
3.50%Real Estate
50.00%Bonds
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| 13‑14 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Age-Based Option will invest more heavily in conservative investments than the corresponding age band within the Aggressive Age-Based Option. 37.20%Equities
2.80%Real Estate
60.00%Bonds
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| 15 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Age-Based Option will invest more heavily in conservative investments than the corresponding age band within the Aggressive Age-Based Option. 27.90%Equities
2.10%Real Estate
70.00%Bonds
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X
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| 16 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Age-Based Option will invest more heavily in conservative investments than the corresponding age band within the Aggressive Age-Based Option. 23.25%Equities
1.75%Real Estate
75.00%Bonds
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| 17 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Age-Based Option will invest more heavily in conservative investments than the corresponding age band within the Aggressive Age-Based Option. 18.60%Equities
1.40%Real Estate
80.00%Bonds
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| 18+ YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Age-Based Option will invest more heavily in conservative investments than the corresponding age band within the Aggressive Age-Based Option. 13.95%Equities
1.05%Real Estate
75.00%Bonds
10.00%Money Market
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X
|
Aggressive Age-Based Option
(Risk level shifts from aggressive to conservative as the Beneficiary approaches college age)
| BENEFICIARY'S AGE | ALLOCATION | INVESTMENT OBJECTIVE |
|---|---|---|
| 0‑4 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Aggressive Age-Based Option will invest more heavily in mutual funds that invest in equity securities than the corresponding age band within the Age-Based Option. Likewise, each age band in the Aggressive Age-Based Option will invest less heavily in mutual funds that invest in debt securities and other more conservative instruments than the corresponding age band within the Age-Based Option. 83.70%Equities
6.30%Real Estate
10.00%Bonds
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X
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| 5‑8 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Aggressive Age-Based Option will invest more heavily in mutual funds that invest in equity securities than the corresponding age band within the Age-Based Option. Likewise, each age band in the Aggressive Age-Based Option will invest less heavily in mutual funds that invest in debt securities and other more conservative instruments than the corresponding age band within the Age-Based Option. 74.40%Equities
5.60%Real Estate
20.00%Bonds
Read More
X
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| 9‑10 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Aggressive Age-Based Option will invest more heavily in mutual funds that invest in equity securities than the corresponding age band within the Age-Based Option. Likewise, each age band in the Aggressive Age-Based Option will invest less heavily in mutual funds that invest in debt securities and other more conservative instruments than the corresponding age band within the Age-Based Option. 65.10%Equities
4.90%Real Estate
30.00%Bonds
Read More
X
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| 11‑12 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Aggressive Age-Based Option will invest more heavily in mutual funds that invest in equity securities than the corresponding age band within the Age-Based Option. Likewise, each age band in the Aggressive Age-Based Option will invest less heavily in mutual funds that invest in debt securities and other more conservative instruments than the corresponding age band within the Age-Based Option. 55.80%Equities
4.20%Real Estate
40.00%Bonds
Read More
X
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| 13‑14 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Aggressive Age-Based Option will invest more heavily in mutual funds that invest in equity securities than the corresponding age band within the Age-Based Option. Likewise, each age band in the Aggressive Age-Based Option will invest less heavily in mutual funds that invest in debt securities and other more conservative instruments than the corresponding age band within the Age-Based Option. 46.50%Equities
3.50%Real Estate
50.00%Bonds
Read More
X
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| 15 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Aggressive Age-Based Option will invest more heavily in mutual funds that invest in equity securities than the corresponding age band within the Age-Based Option. Likewise, each age band in the Aggressive Age-Based Option will invest less heavily in mutual funds that invest in debt securities and other more conservative instruments than the corresponding age band within the Age-Based Option. 41.85%Equities
3.15%Real Estate
55.00%Bonds
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X
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| 16 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Aggressive Age-Based Option will invest more heavily in mutual funds that invest in equity securities than the corresponding age band within the Age-Based Option. Likewise, each age band in the Aggressive Age-Based Option will invest less heavily in mutual funds that invest in debt securities and other more conservative instruments than the corresponding age band within the Age-Based Option. 37.20%Equities
2.80%Real Estate
60.00%Bonds
Read More
X
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| 17 YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Aggressive Age-Based Option will invest more heavily in mutual funds that invest in equity securities than the corresponding age band within the Age-Based Option. Likewise, each age band in the Aggressive Age-Based Option will invest less heavily in mutual funds that invest in debt securities and other more conservative instruments than the corresponding age band within the Age-Based Option. 32.55%Equities
2.45%Real Estate
65.00%Bonds
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X
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| 18+ YEARS |
 |
Investment Objective. The age-based Investment Options are designed for Account Owners who are saving for the college education of the Beneficiary. Each age-based Investment Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter college.
Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities. Each age band in the Aggressive Age-Based Option will invest more heavily in mutual funds that invest in equity securities than the corresponding age band within the Age-Based Option. Likewise, each age band in the Aggressive Age-Based Option will invest less heavily in mutual funds that invest in debt securities and other more conservative instruments than the corresponding age band within the Age-Based Option. 27.90%Equities
2.10%Real Estate
70.00%Bonds
Read More
X
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