EXPLORE YOUR INVESTMENT OPTIONS

We know that choosing investment options can be overwhelming, but The Education Plan® can help make it easy. With a range of professionally managed investments, your Education Plan account has the flexibility to meet your investment needs.

Select your investment approach:

keep it simple

This approach is based on the beneficiary's year of enrollment. It consists of a blend of investments assuming enrollment at age 18* that automatically changes to match the shortening time horizon and appropriate risk levels.

Depending on your beneficiary's intended enrollment year, you may want to consider a different investment strategy

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This "do-it-yourself" approach* allows you to choose any combination of portfolios available in the plan equaling 100%. Portfolios include Year of Enrollment, Static and Active Allocation, and Individual funds.

*Generally, this approach is for experienced investors who are comfortable selecting their own investment strategy or for those who may have different investment objectives.

When Will the Beneficiary Need the Funds?

This approach is based on the beneficiary's year of enrollment. It consists of a blend of investments that automatically changes to match the shortening time horizon and appropriate risk levels.

19+ years
17-18 years
16-15 years
13-14 years
11-12 years
9-10 years
7-8 years
5-6 years
3-4 years
1-2 years

Year of Enrollment Portfolios Glidepath: 2040 - 2041

AVAILABLE OPTIONS

Click on a section for more information on portfolios.

Allocation Portfolios

Eight allocation-based portfolios consisting of a mix of underlying funds are available and designed to match a desired risk level and investment management style.

Individual Portfolios

Five individual portfolios are available to create your own personalized investment mix. These portfolios consist of a single underlying fund made up of a mix of similar types of investments and risk levels.

Year of Enrollment Portfolios

Eleven Portfolios are available based on your beneficiary’s anticipated year of enrollment*. As the year of enrollment approaches, the underlying investments will automatically change to match the shortening time horizon and appropriate risk levels.

*Assuming enrollment at age 18. Depending on your beneficiary’s intended year of enrollment, you may want to consider a different investment approach.

Asset Group	Asset Class	Product	2040-2041	2038-2039	2036-2037	2034-2035	2032-2033	2030-2031	2028-2029	2026-2027	2024-2025	2022-2023	Enrollment Portfolio
US Equity	US Equity	Vanguard Total Stock Market Index Instl Plus	48.60%	48.60%	47.70%	44.10%	40.50%	36.90%	33.30%	28.35%	22.50%	15.30%	5.40%
Real Estate	US Real Estate	Schwab US REIT	5.40%	5.40%	5.30%	4.90%	4.50%	4.10%	3.70%	3.15%	2.50%	1.70%	0.60%
Non-US Equity	Non-US Equity Emerging Market Equity	Vanguard Developed Markets SPDR© Portfolio Emerging Markets ETF	27.00% 9.00%	27.00% 9.00%	26.50% 8.8333%	24.50% 8.1667%	22.50% 7.50%	20.50% 6.8333%	18.50% 6.1667%	15.75% 5.25%	12.50% 4.1667%	8.50% 2.8333%	3.00% 1.00%
Non-US Fixed	Non-US Fixed Income High Yield Corporate	iShares International Aggregate ETF Vanguard High Yield Corporate Fund Adm	1.88% 1.00%	2.50% 1.00%	2.7083% 1.0833%	3.5417% 1.4167%	4.3750% 1.75%	5.2083% 2.0833%	6.0417% 2.4167%	7.50% 3.00%	9.1667% 3.6667%	10.8333% 4.3333%	7.50% 3.00%
US Fixed	Core Fixed Income Short Term Inflation Protection	Vanguard Total Bond Market II Index I Vanguard Short Term Inflation Protected Securities Fund Inst	5.63% 1.50%	5.00% 1.50%	5.4167% 1.6250%	7.0833% 2.1250%	8.75% 2.6250%	10.4167% 3.1250%	12.0833% 3.6250%	15.00% 4.50%	18.3333% 5.50%	21.6667% 6.50%	15.00% 4.50%
Capital Preservation	Capital Preservation Short-Term Government	New York Life GIA 10 Vanguard Short Term Treasury Index Instl	0.00% 0.00%	0.00% 0.00%	0.4167% 0.4167%	2.0833% 2.0833%	3.75% 3.75%	5.4167% 5.4167%	7.0833% 7.0833%	8.75% 8.75%	10.8333% 10.8333%	14.1667% 14.1667%	30.00% 30.00%

Approximate cost for a $10,000 investment and assumes a 5% annual growth rate for the initial investment.

YEAR OF ENROLLMENT	1 Year	3 Year	5 Year	10 Year
2040-2041 Portfolio	$14	$46	$80	$181
2038-2039 Portfolio	$14	$45	$80	$180
2036-2037 Portfolio	$14	$45	$80	$180
2034-2035 Portfolio	$14	$45	$79	$179
2032-2033 Portfolio	$14	$45	$79	$179
2030-2031 Portfolio	$14	$45	$79	$178
2028-2029 Portfolio	$14	$45	$78	$178
2026-2027 Portfolio	$14	$45	$78	$177
2024-2025 Portfolio	$14	$44	$77	$176
2022-2023 Portfolio	$14	$43	$76	$172
Enrollment Portfolio	$13	$42	$73	$166

Asset Classes	Product	100% Equity Index Portfolio	75% Equity Index Portfolio	50% Equity Index Portfolio	25% Equity Index Portfolio
US Equity	Vanguard Total Stock Market Index Instl Plus	54.00%	40.50%	27.00%	13.50%
US Real Estate	Schwab US REIT	6.00%	4.50%	3.00%	1.50%
Non-US Equity	Vanguard Developed Markets	30.00%	22.50%	15.00%	7.50%
Emerging Market Equity	SPDR© Portfolio Emerging Markets ETF	10.00%	7.50%	5.00%	2.50%
Core Fixed Income	Vanguard Total Bond Market II Index I	0.00%	8.75%	16.25%	22.50%
Short Term Inflation Protected	Vanguard Short Term Inflation Protected Securities Fund	0.00%	2.6250%	4.8750%	6.75%
High Yield Corporate	Vanguard High Yield Corporate Fund Adm	0.00%	1.75%	3.25%	4.50%
Non-US Fixed Income	iShares International Aggregate ETF	0.00%	4.3750%	8.1250%	11.25%
Short-Term Government	Vanguard Short Term Treasury Index Instl	0.00%	7.50%	17.50%	30.00%

Asset Classes	Product	100% Active Equity Portfolio	75% Active Equity Portfolio	50% Active Equity Portfolio	25% Active Equity Portfolio
US Equity	American Funds Fundamental Invs F3	54.00%	40.50%	27.00%	13.50%
US Real Estate	TIAA CREF Real Estate Sec Instl	6.00%	4.50%	3.00%	1.50%
Non-US Equity	DFA International Core Equity I	30.00%	22.50%	15.00%	7.50%
Emerging Market Equity	DFA Emerging Markets Core Equity I	10.00%	7.50%	5.00%	2.50%
Core Fixed Income	TIAA CREF Bond Plus instl	0.00%	8.75%	16.25%	22.50%
Inflation Protected	DFA Inflation-Protected Securities I	0.00%	2.6250%	4.8750%	6.75%
Ultra Short-Term Bond	Vanguard Ultra Short-Term Bond Admiral	0.00%	1.75%	3.25%	4.50%
Global Fixed Income	Prudential Global Total Return R6	0.00%	4.3750%	8.1250%	11.25%
Capital Preservation	New York Life GIA 10	0.00%	7.50%	17.50%	30.00%

Underlying Funds	Ticker	Capital Preservation Portfolio	Short-Term Index Portfolio	Bond Index Portfolio	US Equity Portfolio	Social Choice Portfolio
NY Life GIA 10		100%
Vanguard Short Term Treasury Index Instl	VSBIX		100%
Vanguard Total Bond Market ETF	BND			100%
Vanguard Total Stock Market Index Instl Plus	VSMPX				100%
TIIA-CREF Social Equity Instl	TISCX					100%

Approximate cost for a $10,000 investment and assumes a 5% annual growth rate for the initial investment.

Static Allocation Active Portfolios	1 Year	3 Year	5 Year	10 Year
100% Active Equity Portfolio	$45	$141	$246	$555
75% Active Equity Portfolio	$42	$132	$231	$519
50% Active Equity Portfolio	$38	$121	$210	$474
25% Active Equity Portfolio	$34	$106	$186	$419

Approximate cost for a $10,000 investment and assumes a 5% annual growth rate for the initial investment.

Static Allocation Index Portfolios	1 Year	3 Year	5 Year	10 Year
100% Equity Index Portfolio	$14	$45	$80	$180
75% Equity Index Portfolio	$15	$46	$81	$184
50% Equity Index Portfolio	$15	$47	$82	$187
25% Equity Index Portfolio	$15	$48	$84	$190

Approximate cost for a $10,000 investment and assumes a 5% annual growth rate for the initial investment.

Individual Portfolios	1 Year	3 Year	5 Year	10 Year
US Equity Index Portfolio	$12	$39	$68	$154
Bond Index Portfolio	$14	$44	$76	$173
Short-Term Treasury Index Portfolio	$15	$48	$85	$192
Social Choice Portfolio	$28	$87	$152	$343
Capital Preservation Portfolio	$10	$32	$56	$128