Investment Options

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Prepaid Tuition Plan

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Investment Plans

Fund Fact

More than 80% of new families choose our Enrollment Year Portfolio option that automatically adjusts to be more conservative as a child approaches college age.

Three investment strategies

Which one is right for you?

You can choose an investment strategy that is as simple, or as customized, as you’re comfortable with.

SELECT AN INVESTMENT STRATEGY

I prefer that someone else manage my investment.

A professionally designed portfolio that automatically adjusts over time so that funds are invested in more conservative assets with less risk and volatility as the student approaches college age. The Enrollment Year is automatically determined based on the age of your child.

Smart and simple path to college savings

Professionally designed investment portfolio

Automatically becomes more conservative as your child nears college enrollment

I prefer the ease of pre-designed portfolios.

Select from the Enrollment Year Portfolio + six portfolios with static investment allocations that focus on specific investment objectives. Download Investment Options Worksheet

Choose one or more predesigned and diversified portfolio options

Primarily passive, professionally designed static portfolios

Portfolio options to fit your desired investment strategy (growth, income, blended, and enrollment year)

I prefer to fully customize my investment strategy.

Personalize your portfolio from our 22 investment options across the risk/return spectrum. Download Investment Options Worksheet

Build your own portfolio from the ground up

Funds are managed by proven investment managers (e.g. Vanguard)

Includes specialty options, such as a Social Index Fund

We’ll Handle the Portfolio Customization

The Enrollment Year Portfolio

View Underlying Funds and Allocations

The Enrollment Year Portfolio automatically adjusts over time so that funds are invested in more conservative assets with less risk and volatility as the student approaches college-age. The Enrollment Year is automatically determined based on your child’s age.

New Lower Fees

0.05 – 0.10% (5-10 bps)

Benchmark

Weighted on pro-rata share of Benchmarks for included Asset Classes

Multi-Manager Growth Portfolio

conservative

moderate

aggressive

The portfolio seeks to provide an opportunity for meaningful growth of capital, over a long investment horizon, in diversified active and passive investments.

Annual Fee

0.19% (19 bps)

Benchmark

Weighted on pro-rata share of Benchmarks for included Asset Classes

Components	Manager	Allocation
Global Equity	DFA	43%
Domestic Equity	Vanguard	23%
International Equity	Vanguard	19%
High Yield	Vanguard	5%
Emerging Debt	Vanguard	5%
Bank Loans	Eaton Vance	5%

Multi-Manager Blended Portfolio

conservative

moderate

aggressive

The portfolio seeks to provide a balance of capital appreciation and current income, in diversified active and passive investments.

Annual Fee

0.13% (13 bps)

Benchmark

Weighted on pro-rata share of Benchmarks for included Asset Classes

Components	Manager	Allocation
Global Equity	DFA	28%
Domestic Equity	Vanguard	15%
International Equity	Vanguard	13%
High Yield	Vanguard	3%
Emerging Debt	Vanguard	3%
Bank Loans	Eaton Vance	3%
Core Fixed Income	Vanguard	35%

Multi-Manager Income Portfolio

conservative

moderate

aggressive

The portfolio seeks to provide current income, in diversified active and passive investments.

Annual Fee

0.13% (13 bps)

Benchmark

Weighted on pro-rata share of Benchmarks for included Asset Classes

Components	Manager	Allocation
High Yield	Vanguard	10%
Emerging Debt	Vanguard	10%
Bank Loans	Eaton Vance	10%
Core Fixed Income	Vanguard	60%
TIPS	Vanguard	10%

Passive Growth Portfolio

conservative

moderate

aggressive

The portfolio seeks to provide an opportunity for meaningful growth of capital, over a long investment horizon, in diversified passive investments.

Annual Fee

0.06% (6 bps)

Benchmark

Weighted on pro-rata share of Benchmarks for included Asset Classes

Components	Manager	Allocation
Domestic Equity	Vanguard	50%
International Equity	Vanguard	40%
High Yield	Vanguard	5%
Emerging Debt	Vanguard	5%

Passive Blended Portfolio

conservative

moderate

aggressive

The portfolio seeks to provide a balance of capital appreciation and current income, in diversified passive investments.

Annual Fee

0.05% (5 bps)

Benchmark

Weighted on pro-rata share of Benchmarks for included Asset Classes

Components	Manager	Allocation
Domestic Equity	Vanguard	31%
International Equity	Vanguard	25%
High Yield	Vanguard	3%
Emerging Debt	Vanguard	3%
Core Fixed Income	Vanguard	38%

Passive Income Portfolio

conservative

moderate

aggressive

The portfolio seeks to provide current income, in diversified passive investments.

Annual Fee

0.06% (6 bps)

Benchmark

Weighted on pro-rata share of Benchmarks for included Asset Classes

Components	Manager	Allocation
High Yield	Vanguard	10%
Emerging Debt	Vanguard	10%
Core Fixed Income	Vanguard	70%
TIPS	Vanguard	10%

Money Market Fund

conservative

moderate

aggressive

The Fund seeks to provide, in priority order, safety, liquidity and competitive returns with minimization of risks. Short-term, high-quality fixed income securities rated in the highest short-term rating category by one or more nationally recognized rating service, or in comparable securities.

Manager

Florida Prime

Annual Fee

0.04% (4bps)

Benchmark

Merrill Lynch 91 day T Bill

Ticker

Exclusive (Fund not publicly available)

Core Plus Fixed Income Fund

conservative

moderate

aggressive

This Fund is actively managed by Wellington and seeks to provide broad exposure to primarily investment grade fixed income securities plus a restricted allocation to lower credit quality investments such as high-yield and emerging market debt.

Manager

Wellington

Annual Fee

0.22% (22 bps)

Benchmark

Bloomberg Barclays Aggregate

Ticker

Exclusive (Fund not publicly available)

Core Fixed Income Fund

conservative

moderate

aggressive

This Fund invests in the Vanguard Total Bond Market Index. Vanguard seeks to provide current income through investing in high credit quality investments while providing broad exposure to the investment grade segment of the U.S. bond market.

Manager

Vanguard

Annual Fee

0.02% (2 bps)

Benchmark

Bloomberg Barclays Aggregate

Ticker

VBMPX

High Yield Fund

conservative

moderate

aggressive

The Fund is invested in the Vanguard High-Yield Corporate Fund and seeks to provide a high level of current income. The Fund invests primarily in a diversified group of high-yielding, higher-risk corporate bonds with medium- and lower-range credit quality ratings.

Manager

Vanguard

Annual Fee

0.12% (12 bps)

Benchmark

95% Bloomberg Barclays U.S. High-Yield Ba/B 2% Issuer Capped Index and 5% Bloomberg Barclays U.S. 1–5 Year Treasury Bond Index

Ticker

VWEAX

Emerging Markets Index Fund

conservative

moderate

aggressive

The Fund is invested in the Vanguard Emerging Markets Government Bond Index Fund and seeks to track the performance of a Benchmark index that measures the investment return of U.S. dollar-denominated bonds issued by governments and government-related issuers in emerging market countries.

Manager

Vanguard

Annual Fee

0.13% (13 bps)

Benchmark

Bloomberg Barclays U.S. Dollar Emerging Markets Government RIC Capped Index

Ticker

VGIVX

Bank Loans Fund

conservative

moderate

aggressive

The Fund is invested in the Eaton Vance Floating Rate Fund and seeks to maintain broad borrower and industry diversification among the Fund’s loans by investing broadly across the floating-rate loan market, providing diversified exposure to the loan market’s many sectors, credit tiers and issuers.

Manager

Eaton Vance

Annual Fee

0.78% (78 bps)

Benchmark

S&P/LSTA Leveraged Loan Index

Ticker

EIBLX

Treasury Inflation-Protected Securities (TIPS) Index Fund

conservative

moderate

aggressive

The Fund is invested in the Vanguard Short-Term Inflation-Protected Securities Index Fund and seeks to track the performance of a Benchmark index that measures the investment return of inflation-protected public obligations of the U.S. Treasury with remaining maturities of less than 5 years.

Manager

Vanguard

Annual Fee

0.03% (3 bps)

Benchmark

Bloomberg Barclays U.S. 0-5 Year TIPS Index

Ticker

VTSPX

U.S. Broad All Cap Index Fund

conservative

moderate

aggressive

The Fund is invested in the Vanguard Total Stock Market Index Fund and seeks to track the performance of a Benchmark index that measures the investment return of the overall stock U.S. market.

Manager

Vanguard

Annual Fee

0.02% (2 bps)

Benchmark

CRSP US Total Market Index

Ticker

VSMPX

U.S. Large Cap Equity Index Fund

conservative

moderate

aggressive

The Fund is invested in the Vanguard Institutional Index Fund and seeks to track the performance of a Benchmark index that measures the investment return of large-capitalization stocks.

Manager

Vanguard

Annual Fee

0.02% (2 bps)

Benchmark

S&P 500 Index

Ticker

VIIIX

Small/Mid Cap Equity Index Fund

conservative

moderate

aggressive

The Fund is invested in the Vanguard Extended Market Index Fund and seeks to track the performance of a Benchmark index that measures the investment return of small- and mid-capitalization stocks.

Manager

Vanguard

Annual Fee

0.05% (5 bps)

Benchmark

S&P Completion Index

Ticker

VIEIX

Developed International Equity Fund

conservative

moderate

aggressive

The Fund is invested in the Blackrock Advantage International Fund and seeks to invest primarily in non-U.S. equity securities and equity-like instruments of companies that are components of, or have characteristics similar to, the companies included in the MSCI EAFE Index and derivatives that are tied economically to securities of the MSCI EAFE Index.

Manager

Blackrock

Annual Fee

0.45% (45 bps)

Benchmark

MSCI EAFE Index

Ticker

BROKX

Total International Index Fund

conservative

moderate

aggressive

The Fund is invested in the Vanguard Total International Stock Index Fund and seeks to track the performance of a Benchmark index that measures the investment return of stocks issued by companies located in developed and emerging markets, excluding the United States.

Manager

Vanguard

Annual Fee

0.05% (5 bps)

Benchmark

FTSE Global All Cap ex US Index

Ticker

VTPSX

Global Equity Fund

conservative

moderate

aggressive

The Fund is invested in the Dimensional Global Equity Fund and seeks to achieve long-term capital appreciation by allocating its assets to underlying funds that invest in domestic and international equity securities such as large capitalization, small capitalization and emerging markets stocks, as well as real estate securities.

Manager

DFA

Annual Fee

0.25% (25 bps)

Benchmark

MSCI All Country World Index

Ticker

DGEIX

Real Estate Index Fund

conservative

moderate

aggressive

The Fund is invested in the Vanguard Real Estate Index Fund and seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of a Benchmark index that measures the performance of publicly traded equity REITs and other real estate-related investments.

Manager

Vanguard

Annual Fee

0.13% (13 bps)

Benchmark

MSCI US Investable Market Real Estate Index

Ticker

VGSLX

Explore your investment options by selecting from the choices below

Compare All

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Enrollment Year Options

Multi-Manager Static Options

Passive Static Options

Individual Fund Options

Quick FAQs

How often can I change my investments?

You may move your existing funds to a different investment option (reallocate) up to twice per calendar year. You may select from any of the investment options for new contributions at any time.

What fees apply?

There are no adviser fees, sales commissions or annual account fees like those you may find in other plans. Our investment manager fees are among the lowest in the nation.

Are investment returns guaranteed?

No, as with any investment, the value of your plan will change based on market conditions and the investment option(s) you select.

Full Investment Plans FAQs

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