Age-Based Moderate (Beneficiary age 15-16)

The Age-Based Moderate Investment Option invests in the following mix of equity, real estate, fixed income, and/or money market funds 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 equity, real estate, fixed income, and money market funds becomes more conservative relative to the allocation in earlier years.

Underlying Investments

  • Vanguard Short-Term Bond ETF 22%
  • Vanguard Short-Term Inflation-Protected Securities ETF 13%
  • Fidelity U.S. Bond Index Fund 10%
  • MetWest Total Return Bond Fund 10%
  • PGIM Total Return Bond Fund 10%
  • Vanguard Total Stock Market ETF 9%
  • Fidelity Total International Index Fund 7%
  • DFA World ex U.S. Government Fixed Income Portfolio 5%
  • Dodge & Cox Stock Fund 5%
  • T. Rowe Price Large-Cap Growth Fund 5%
  • Vanguard Real Estate ETF 2%
  • Northern Small Cap Value SMA 1%
  • Vanguard Explorer Fund 1%