Investment Options

Every family has different time frames, needs and goals. So we offer you a wide range of investment choices to help you build your 529 college savings strategy.

The Edvest 529 College Savings Plan offers a choice of 22 investment options. These options vary in their investment strategy and degree of risk, allowing you to select an option or combination of options that will match your investment style and savings goals.

For more information about the risks involved in investing in a particular investment option, and whether or not an option is appropriate for you, read the Disclosure Booklet (PDF). To learn more about your own investing style, take our risk quiz.

Review Fees and Expenses

Changing Your Investments
Once you invest in a particular investment option, you can transfer contributions and any earnings to another investment option once 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.


Age-Based Investment Options

The age-based investment options seek to match the investment objective and level of risk to the investment horizon by taking into account the beneficiary’s current age and the number of years before the beneficiary turns 18. Depending on the beneficiary’s age, contributions to these investment options will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. The age bands for younger beneficiaries seek a favorable long-term return by primarily investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a beneficiary nears college age, the age bands invest less in mutual funds that invest in equity securities (including real estate securities) and more in mutual funds that invest in debt securities.

As the beneficiary ages, assets in your account invested in an age-based investment option are moved from one age band to the next on the first “Rolling Date” following the beneficiary’s fifth, ninth, eleventh, thirteenth, fifteenth, sixteenth, seventeenth, and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).



Allocations for the Age-Based Option


 
 


Allocations for the Aggressive Age-Based Option


 
 

Multi-Fund Options

There are five separate index-based, and five separate active-based multi-fund portfolios. Each of these portfolios has its own investment objective and each of these portfolios has a fixed risk level that does not change as the beneficiary ages.


Risk level: aggressive

This investment option seeks to provide a favorable long-term total return, mainly through capital appreciation.


Risk level: aggressive

This investment option seeks to provide a favorable long-term total return, mainly through capital appreciation.


Risk level: moderate

This investment option seeks moderate growth.

 

Risk level: conservative

This investment option seeks to provide moderate long-term total return mainly through current income.


Risk level: conservative to moderate

This investment option seeks to provide a moderate long-term rate of return primarily through current income.

 

Risk level: aggressive

This investment option seeks to provide a favorable long-term total return, mainly through capital appreciation.

Risk level: aggressive

This investment option seeks to provide a favorable long-term total return, mainly through capital appreciation.

Risk level: moderate

This investment option seeks moderate growth.

 

Risk level: conservative to moderate

This investment option seeks to provide moderate long-term total return mainly through current income.

Risk level: conservative to moderate

This investment option seeks to provide a moderate long-term rate of return primarily through current income.

 

International Equity Index Portfolio
Risk level: aggressive

This investment option seeks to provide a favorable long-term total return, mainly through capital appreciation. 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.


Balanced Portfolio
Risk level: moderate

This investment option seeks to provide a favorable long-term total return, through capital appreciation and income. 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.


Single Fund Options


Small-Cap Index Portfolio
Risk level: aggressive

This investment option seeks to provide a favorable long-term total return, mainly from capital appreciation. It invests 100% of its assets in one "index fund," meaning that the fund attempts to track a benchmark index.


U.S. Equity Active Portfolio
Risk level: aggressive

This investment option seeks to achieve long-term capital appreciation. It invests 100% of its assets in one mutual fund.


U.S. Equity Index Portfolio
Risk level: aggressive

This investment option seeks to provide a favorable long-term total return, mainly from capital appreciation. It invests 100% of its assets in one "index fund," meaning that the fund attempts to track a benchmark index.


Large-Cap Stock Index Portfolio
Risk level: aggressive

This investment option seeks to provide a favorable long-term total return, mainly from capital appreciation. It invests 100% of its assets in one "index fund," meaning that the fund attempts to track a benchmark index.


Social Choice Portfolio
Risk level: aggressive

This investment option seeks to provide a favorable long-term total return that reflects the investment performance of the overall U.S. stock market while giving special consideration to certain social criteria. It has 100% of its assets in one actively managed mutual fund.


Bond Index Portfolio
Risk level: moderate

This investment option seeks to provide current income along with a moderate long-term rate of return. It invests 100% of its assets in one "index fund," meaning that the fund attempts to track a benchmark index.


Bank CD Portfolio
Risk level: conservative

This investment option seeks income consistent with the preservation of principal. It seeks to achieve its objective by investing at least 80% of its assets in CDs, with a duration not to exceed 24 months, insured by the FDIC and issued by banks with a main, home, or branch office located in Wisconsin (“Eligible Banks”). Interest rates payable on the underlying CDs will be set by the issuing Eligible Banks based on current market conditions and are not uniform.


Principal Plus Interest Portfolio
Risk level: conservative

This investment option seeks to provide current income consistent with the preservation of principal. The assets in this investment option are allocated to a funding agreement issued by TIAA-CREF Life. The funding agreement provides a minimum guaranteed rate of return on the amounts allocated to it by the investment option. The minimum effective annual interest rate will be neither less than 1% nor greater than 3% at any time. The guarantee is made by the insurance company to the policyholder, not to account owners. In addition to the guaranteed rate of interest to the policyholder, the funding agreement allows for the possibility that additional interest may be credited as declared periodically by TIAA-CREF Life. The rate of any additional interest is declared in advance for a period of up to 12 months and is not guaranteed for any future periods.

Effective January 1, 2014, contributions received, and accumulations arising from such contributions, under the Funding Agreement for the Principal Plus Interest Portfolio as of December 31, 2013 will be credited to Edvest with an effective annual interest rate of 1.00% and are guaranteed to earn this rate through December 31, 2014, subject to the claims-paying ability of TIAA-CREF Life.



Account values are not guaranteed and will fluctuate with market conditions. For a complete discussion of risks associate with each investment option, please refer to the Disclosure Booklet.

The TIAA-CREF Institutional Money Market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to maintain a stable net asset value of $1.00 per share, you can lose money by investing.

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