Age-Based Moderate

(Beneficiary age 11-12)

The Age-Based Moderate Investment Option invests in the following mix of domestic and international equity, 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, real estate, fixed income, and cash equivalents becomes more conservative relative to the allocation in earlier years.

Underlying Investments

  • Vanguard Total Stock Market Index Fund 18%
  • MetWest Total Return Bond Fund 15%
  • Vanguard Total Bond Market Index Fund 15%
  • Vanguard Short-Term Bond Index Fund 11%
  • Vanguard Total International Stock Index Fund 10%
  • T. Rowe Price Large-Cap Growth Fund 5.5%
  • Vanguard Equity-Income Fund 5.5%
  • Vanguard Global Credit Bond Fund 5%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund 4%
  • American Funds EuroPacific Growth Fund 3%
  • Dodge & Cox International Stock Fund 3%
  • Vanguard Real Estate Index Fund 3%
  • DFA U.S. Small Cap Value Portfolio 1%
  • Vanguard Explorer Fund 1%

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