Investing on your own

Age-based Tracks

An age-based track provides you with a hands-off way to invest for college based on the age of the student. As the student reaches specific age milestones, your account automatically moves to a more conservative portfolio. Just select a track that meets your risk tolerance, open an account, and set up an automatic investment. We'll do the rest.

There are four age-based tracks: Conservative, Moderate, Aggressive, and Index.

Conservative, Moderate, and Aggressive Tracks

Select the risk level that's right for you - aggressive, moderate, or conservative. Based on the age of the student, your investment will be placed into one of six risk-based portfolios, ranging from very aggressive to short-term. The portfolios invest in a mix of stock, bond, and money market funds from American Century Investments®, Vanguard and Robert W. Baird.

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

Index Track

Select the index track and your investment will be placed into one of three risk-based index portfolios or a short-term portfolio, based on the age of the student. The three risk-based index portfolios primarily invest in Vanguard index funds. When the student turns 18, the account will move to the Learning Quest Short-Term Portfolio.

Age of Beneficiary Age-Based Index Track
0-10 Learning Quest
Aggressive Index Portfolio
11-14 Blue arrow-down
Learning Quest
Moderate Index Portfolio
15-17 Blue arrow-down
Learning Quest
Conservative Index Portfolio
18+ Blue arrow-down
Learning Quest
Short-Term Portfolio

There is no guarantee that the investment portfolios will achieve their investment objectives. The value of your Learning Quest 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 portfolios.

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