Some investors want added control over their investment option’s diversification and investment strategy. If you’re one of those people, the Multi-Fund Investment Options available through the Edvest College Savings Plan might be the option for you.
With the Multi-Fund Investment Options, you can select from a range of investment types suitable for a variety of risk profiles and asset allocation blends. Choices may include options such as international investments, which are investments made entirely outside the US and balanced funds, which try to provide a mix of both safety and modest returns.
Most options also include index and actively managed choices. Index funds are designed to track a benchmark index. Active management, by contrast, is managed by a person using research, forecasts, and their own experience to make investment decisions.
No matter which option(s) you choose, it’s important to note that once you’ve selected an investment, the funds will remain there until you select another.
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 Multi-Fund Investment Options Work
These investment options seek to provide options for people who prefer to select an investment option for its asset allocation. Each Multi-Fund Investment Option has a different investment objective and investment strategy.
The allocations to the underlying mutual funds in the Multi-Fund Investment Options do not change automatically as the beneficiary ages as they do in the age-based investment options. Investments will remain in the Multi-Fund Investment Options until the account owner instructs the Plan to move them to another investment option. The Board may change the asset allocations and underlying mutual funds for these investment options (as well as for the other investment options) at any time.
Index-Based Multi-Fund
| INVESTMENT OPTION NAME | ALLOCATION | INVESTMENT OPTION OBJECTIVE |
|---|---|---|
| INDEX-BASED AGGRESSIVE |
 |
(Risk Level — Aggressive)
Investment Objective. This Investment Option seeks to provide a favorable long-term total return, mainly through capital appreciation.
Investment Strategy. This Portfolio invests in multiple mutual funds. A number of these mutual funds are considered “index funds,” meaning that they are designed to track a benchmark index. However, each of the Index-Based Multi-Fund Portfolios also invests in a number of actively managed mutual funds. 74.40%Equities
5.60%Real Estate
20.00%Bonds
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X
|
| INDEX-BASED MODERATE |
 |
(Risk Level — Moderate to Aggressive)
Investment Objective. This Investment Option seeks
moderate growth.
Investment Strategy. This Portfolio invests in multiple mutual funds. A number of these mutual funds are considered “index funds,” meaning that they are designed to track a benchmark index. However, each of the Index-Based Multi-Fund Portfolios also invests in a number of actively managed mutual funds. 46.50%Equities
3.50%Real Estate
50.00%Bonds
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X
|
| INDEX-BASED CONSERVATIVE |
 |
(Risk Level — Conservative to Moderate)
Investment Objective. This Investment Option seeks to provide moderate long-term total return mainly through current income.
Investment Strategy. This Portfolio invests in multiple mutual funds. A number of these mutual funds are considered “index funds,” meaning that they are designed to track a benchmark index. However, each of the Index-Based Multi-Fund Portfolios also invests in a number of actively managed mutual funds. 18.60%Equities
1.40%Real Estate
80.00%Bonds
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X
|
Active-Based Multi-Fund
| INVESTMENT OPTION NAME | ALLOCATION | INVESTMENT OPTION OBJECTIVE |
|---|---|---|
| ACTIVE-BASED AGGRESSIVE |
 |
(Risk Level — Aggressive)
Investment Objective. This Investment Option seeks to provide a favorable long-term total return, mainly
through capital appreciation.
Investment Strategy. This Portfolio invests in multiple mutual funds that are actively managed. 74.40%Equities
5.60%Real Estate
20.00%Bonds
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X
|
| ACTIVE-BASED MODERATE |
 |
(Risk Level — Moderate to Aggressive)
Investment Objective. This Investment Option seeks moderate growth.
Investment Strategy. This Portfolio invests in multiple mutual funds that are actively managed. 46.50%Equities
3.50%Real Estate
50.00%Bonds
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X
|
| ACTIVE-BASED CONSERVATIVE |
 |
(Risk Level — Conservative to Moderate)
Investment Objective. This Investment Option seeks to provide moderate long-term total return mainly through current income.
Investment Strategy. This Portfolio invests in multiple mutual funds that are actively managed. 18.60%Equities
1.40%Real Estate
80.00%Bonds
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X
|
Additional Multi-Fund
| INVESTMENT OPTION NAME | ALLOCATION | INVESTMENT OPTION OBJECTIVE |
|---|---|---|
| INTERNATIONAL EQUITY INDEX |
 |
(Risk Level — Aggressive)
Investment Objective. This Investment Option seeks to provide a favorable long-term total return, mainly through capital appreciation.
Investment Strategy. Each of the mutual funds in which this Investment Option invests is considered an “index fund”, meaning that it attempts to track a benchmark index. Each of the mutual funds invests primarily in the equity securities of foreign issuers. As a result of its investments in these mutual funds, the Investment Option intends to indirectly allocate its assets to equity securities of foreign issuers located in both developed countries and emerging market countries. 100.00%Equities
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X
|
| BALANCED |
 |
(Risk Level — Moderate to Aggressive)
Investment Objective. This Investment Option seeks to provide a favorable long-term total return, through capital appreciation and income.
Investment Strategy. Each of the mutual funds in which this Investment Option invests is considered an “index fund”, meaning that it attempts to track a benchmark index. Through its investments in these mutual funds, the Investment Option intends to indirectly allocate its assets to equity securities of U.S. companies across all capitalization ranges, and a wide spectrum of public, investment-grade, taxable debt securities denominated in U.S. dollars including government securities, as well as mortgage-backed, commercial mortgage-backed and asset-backed securities. 65.00%Equities
35.00%Bonds
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X
|
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