Age-Based Option automatically adjusts as college approaches.

When your child is younger, you may opt for more aggressive investments – and the potential growth that comes with them. Later, as your child approaches college age, you may choose to take a more conservative approach that values preservation over growth.

The HI529 Age-Based Option does exactly this. As your child ages, these portfolios automatically shift from mutual funds with higher stock concentrations to those heavier in bond and short-term reserves.

The goal: keep more of what you’ve earned when you need it most.

Age-Based Option. Vanguard 87.5% Stock 12.5% Bond Portfolio for newborn through 4 years shows 87.5% stocks and 12.5% bonds.  Vanguard Growth Portfolio for ages 5 through 6 years shows 75% stocks and 25% bonds. Vanguard 62.5% Stock 37.5% Bond Portfolio for  ages 7 through 8 years shows 62.5% stocks and 37.5% bonds. Vanguard Moderate Growth Portfolio for ages 9 through 10 years shows  50% stocks and 50% bonds. Vanguard 37.5% Stock 62.5% Bond Portfolio for ages 11 through 12 years shows 37% stocks and 62.5% bonds.  Vanguard Conservative Growth Portfolio for ages 13 through 14 years shows 25% stocks and 75% bonds. Vanguard 12.5% Stock and 87.5% Bond Portfolio for ages 15 through 16 years shows 12.5% stocks and 87.5% bonds. Vanguard Income Portfolio for ages 17 and older  shows 25% short term reserves and 75% bonds. Vanguard 87.5% Stock 12.5% Bond Portfolio, Vanguard 62.5% Stock 37.5% Bond Portfolio,  Vanguard 37.5% Stock 62.5% Bond Portfolio and Vanguard 12.5% Stock and 87.5% Bond Portfolio are not available for investment as an Individual Portfolio.

Note: Portfolios with higher allocations to bonds and short-term investments tend to be less volatile than those with higher stock allocations. Less volatile portfolios generally may not decline in value as much when markets decline, but also may not appreciate in value as much when markets go up. Investments in bonds are subject to interest rate, credit, income, and inflation risk.

Account Owners assume all investment risks as well as responsibility for any federal and state tax consequences. 

 

Save more than money.

Choose eDelivery for convenience and the environment.

 
 

$15 and 15 minutes.

That’s all it takes to start saving for college with HI529.