Age-Based Moderate

(Beneficiary age 3-5)

The Age-Based Moderate Investment Option invests in the following mix of domestic and international equity, global real estate, fixed income, and/or cash equivalents allocated based on the current age of the Beneficiary. The Age-Based Investment Options adjust over time so that as the Beneficiary nears college age each Age-Based Investment Option’s allocation between domestic and international equity, global real estate, fixed income, and cash equivalents becomes more conservative relative to the allocation in earlier years.

Underlying Investments

  • Vanguard Total Stock Market ETF 27%
  • Fidelity Total International Index Fund 16%
  • Dodge & Cox Stock Fund 8.5%
  • T. Rowe Price Large-Cap Growth Fund 8.5%
  • Fidelity U.S. Bond Index Fund 6%
  • American Funds EuroPacific Growth Fund 5.5%
  • Dodge & Cox International Stock Fund 5.5%
  • iShares Global REIT ETF 5%
  • MetWest Total Return Bond Fund 4.5%
  • PGIM Total Return Bond Fund 4.5%
  • Vanguard Short-Term Bond ETF 3%
  • Northern Small Cap Value SMA 2%
  • Vanguard Explorer Fund 2%
  • Vanguard Global Credit Bond Fund 2%