INVESTMENTS

INVESTMENTS

The Education Plan features two main investment approaches and offers a variety of investment choices designed to meet your needs, situation and risk tolerance. You can choose to invest in the Age Based Approach, the Custom Choice Approach or a combination of the two.

Age Based Tracks


The Age Based and Index Age Based options allow you to "set it and forget it." You choose a track best suited to your investment philosophy and risk tolerance. And, based on your child's age, the portfolio automatically adjusts over time, starting out more focused on equities when your child is younger and becoming more conservative as your child gets older.

Now, with three different track options in both the Age Based and Index Age Based options: Aggressive, Growth or Balanced, you can invest in an age based track that more closely aligns with your risk tolerance and return expectations.

  • Aggressive Age Based Track: The equity to fixed income and money market fund allocations are modestly higher than the industry averages* in the early years than industry averages.
  • Growth Age Based Track: The equity to fixed income and money market fund allocations are modestly lower than the industry averages in the early years*
  • Balanced Age Based Track: The equity to fixed income and money market fund allocations are modestly lower than the industry averages in the early years*

Custom Choice


With this option, you can invest in one or any combination of the available portfolios and you can choose an active or index only strategy or a mixture of the two.


*Morningstar Annual Survey, 2014.

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