Edvest College Savings Plan

Age-Based Investment Options

This is the simple, all-in-one investment option, which changes from a growth strategy when your child is young to hold strategy as their college years approach.

You don’t need to be a savvy investor to participate in the Edvest College Savings Plan. It’s not about choosing ‘the right’ investment, it’s about choosing the investment that’s right for you. For many people, an Age-Based Investment Option can be that choice. Because it automatically shifts from aggressive-to-conservative investments as your child ages, you maximize the opportunities of your investment horizon without needing to manually rebalance your investment options each year.

Changing Your Investments

Once you invest in a particular investment option, you can transfer contributions and any earnings to another investment option up to twice 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.


How Age-Based Investment Options Work

The Age-Based Option seeks to match the investment objective and level of risk to the investment horizon by factoring in the child’s current age and the number of years before they turn 18. Depending on this age, contributions to these Investment Options will be placed in various age bands, each of which has a different investment objective and investment strategy.

As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by primarily investing in mutual funds that primarily invest in equity and 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 and real estate securities and more in mutual funds that invest in debt securities and in other investments that seek to preserve principal.

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Age-Based Option

(Risk level shifts from aggressive to conservative as the Beneficiary ages)

Age-Based Option
BENEFICIARY'S AGE ALLOCATION INVESTMENT OBJECTIVE
0‑4 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 74.40%Equities
   5.60%Real Estate
 20.00%Bonds
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View Underlying Mutual Funds

5‑8 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 65.10%Equities
   4.90%Real Estate
 30.00%Bonds
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View Underlying Mutual Funds

9‑10 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 55.80%Equities
   4.20%Real Estate
 40.00%Bonds
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View Underlying Mutual Funds

11‑12 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 46.50%Equities
   3.50%Real Estate
 50.00%Bonds
Read More X

View Underlying Mutual Funds

13‑14 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 37.20%Equities
   2.80%Real Estate
 60.00%Bonds
Read More X

View Underlying Mutual Funds

15 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 27.90%Equities
   2.10%Real Estate
 70.00%Bonds
Read More X

View Underlying Mutual Funds

16 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 23.25%Equities
   1.75%Real Estate
 75.00%Bonds
Read More X

View Underlying Mutual Funds

17 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 18.60%Equities
   1.40%Real Estate
 80.00%Bonds
Read More X

View Underlying Mutual Funds

18+ YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 13.95%Equities
   1.05%Real Estate
 75.00%Bonds
 10.00%Money Market
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View Underlying Mutual Funds

Aggressive Age-Based Option

(Risk level shifts from aggressive to conservative as the Beneficiary ages)

Aggressive Age-Based Option
BENEFICIARY'S AGE ALLOCATION INVESTMENT OBJECTIVE
0‑4 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 83.70%Equities
   6.30%Real Estate
 10.00%Bonds
Read More X

View Underlying Mutual Funds

5‑8 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 74.40%Equities
   5.60%Real Estate
 20.00%Bonds
Read More X

View Underlying Mutual Funds

9‑10 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 65.10%Equities
   4.90%Real Estate
 30.00%Bonds
Read More X

View Underlying Mutual Funds

11‑12 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 55.80%Equities
   4.20%Real Estate
 40.00%Bonds
Read More X

View Underlying Mutual Funds

13‑14 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 46.50%Equities
   3.50%Real Estate
 50.00%Bonds
Read More X

View Underlying Mutual Funds

15 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 41.85%Equities
   3.15%Real Estate
 55.00%Bonds
Read More X

View Underlying Mutual Funds

16 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 37.20%Equities
   2.80%Real Estate
 60.00%Bonds
Read More X

View Underlying Mutual Funds

17 YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 32.55%Equities
   2.45%Real Estate
 65.00%Bonds
Read More X

View Underlying Mutual Funds

18+ YEARS
Investment Objective. 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 and is expected to enter college.

Investment Strategy. 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. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which typically have a higher level of risk, but may have greater potential for returns than mutual funds that invest primarily in debt securities. As a Beneficiary nears college age, the age bands allocate less to mutual funds that invest primarily in equity securities and allocate more to mutual funds that invest primarily in debt securities, which typically have a lower level of risk than mutual funds that invest primarily in equity securities.

 27.90%Equities
   2.10%Real Estate
 70.00%Bonds
Read More X

View Underlying Mutual Funds