Investing with an advisor

Age-based Investment

An age-based investment is just that - based on the age of the beneficiary. You and your financial advisor can choose between three different tracks: conservative, moderate, and aggressive. These tracks let you and your advisor invest based on your comfort with risk.

Once a track is selected, we will invest your account based on the current age of the beneficiary. Then, over time, the account will move to one or more of the seven portfolios that make up these three tracks. These portfolios invest in a mix of stock, bond, and money market funds from multiple investment managers including American Century Investments®, T. Rowe Price®, Principal® Financial Group and American Beacon Funds.

The table below shows how your account will be invested for each track based on the age of the beneficiary.

0-7 Learning Quest Advisor
Conservative Portfolio
Learning Quest Advisor
Moderate Portfolio
Learning Quest Advisor
Very Aggressive Portfolio
8-11 Blue arrow-down
Learning Quest Advisor
Very Conservative Portfolio
Blue arrow-down
Learning Quest Advisor
Moderate Portfolio
Blue arrow-down
Learning Quest Advisor
Aggressive Portfolio
12-14 Blue arrow-down
Learning Quest Advisor
Very Conservative Portfolio
Blue arrow-down
Learning Quest Advisor
Conservative Portfolio
Blue arrow-down
Learning Quest Advisor
Moderate Portfolio
15-17 Blue arrow-down
Learning Quest Advisor
Very Conservative Portfolio
Blue arrow-down
Learning Quest Advisor
Very Conservative Portfolio
Blue arrow-down
Learning Quest Advisor
Conservative Portfolio
18+ Blue arrow-down
Learning Quest Advisor
Short-Term Portfolio
Blue arrow-down
Learning Quest Advisor
Short-Term Portfolio
Blue arrow-down
Learning Quest Advisor
Short-Term Plus Portfolio

There is no guarantee that the investment portfolios will achieve their investment objectives. The value of your Learning Quest Advisor account will vary, and a gain or loss may occur when you withdraw money from your account.

The Annual Report provides detailed financial information about the Learning Quest Advisor portfolios.

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