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.
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|
Aggressive Index Portfolio
Moderate Index Portfolio
Conservative Index 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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