Choose from a lineup of 13 investment options—all managed by Vanguard—and manage your assets using one or more of the following:
Three age-based options that adjust your assets over time to more conservative allocations as your beneficiary nears college age.
Ten individual portfolios, including a socially responsible portfolio, that you can
select from to build and manage your own asset allocation. Obtain portfolio prices
Make investing easier with age-based options
Simplify saving for college by selecting an investment option that automatically rebalances your asset mix. When you invest in any of the three age-based options, your assets will be invested according to the age of your account's beneficiary and your risk tolerance through a series of investment portfolios that gradually change over time.
For younger beneficiaries, your assets will be invested initially in portfolios that invest in funds with higher concentrations of stocks. As the beneficiary ages, the assets are automatically shifted to more conservative funds that invest in bonds and short-term reserves in an effort to reduce your exposure to risk and market fluctuations before you begin making withdrawals.
Note: Portfolios with higher allocations to bonds and short-term investments tend to be less volatile than those with higher stock allocations. Less volatile portfolios generally may not decline in value as much when markets decline, but also may not appreciate in value as much when markets go up.
Build your own college savings program
Create your own college savings program from ten individual portfolios, including a socially responsible portfolio. Unlike the age-based options, your allocation to individual portfolios will remain fixed until you make a change. As your beneficiary nears college age, you can progressively move your assets to more conservative investments to help preserve capital and minimize the effects of market fluctuations.
Note: Investments are subject to risk. Investments in bonds are subject to interest rate, credit, and inflation risk. Portfolios that concentrate on a relatively narrow market sector face the risk of higher share-price volatility. Foreign investing involves additional risks, including currency fluctuations and political uncertainty. See the Disclosure Statement for a fuller discription of investment risks.
The Conservative Income Portfolio's and Money Market Portfolio's investments in the Vanguard Prime Money Market Fund are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of the investment at $1 per share, it is possible that the Portfolios may lose money by investing in the Fund.
* Effective Febrary 17, 2012