Risk-Based Portfolios

Consider this if: You’re an experienced investor and want added control over your investment option’s diversification and investment strategy.

Our Risk-Based portfolios let you align your investment objectives with your risk tolerance level, giving you more control of how you want to hit your goals.

From equity and global equity to balanced and fixed-income investment options, the Risk-Based portfolios seek to provide a favorable return that reflects the broad investment performance of the financial markets.

Most investment portfolios also include index and actively managed choices. Index funds are designed to track a benchmark index. Active management, by contrast, is managed by a person using research, forecasts, and their own experiences to make investment decisions.

How Risk-Based Portfolios work

These investment portfolios let you choose the mix of assets that align with your investment objectives and strategy. The allocations to the underlying mutual funds in the Risk–Based Investment Portfolios do not change automatically as the beneficiary ages as they do in the Enrollment Year Investment Portfolios. Investments will remain in the Risk–Based Investment Portfolios until the account owner instructs the Plan to move them to another investment option. The Board may change the asset allocations and underlying mutual funds for these investment portfolios (as well as for the other investment portfolios) at any time.

Select your management approach

You may choose an active or passive strategy for the underlying funds when choosing a Risk-Based Portfolio.

Passive Management

Consider this if:

You prefer to invest primarily in portfolios that are indexed.

  • Passive management is a low-cost investment strategy that attempts to match, rather than outperform, a particular stock or bond market index, also known as indexing

Active Management

Consider this if:

You prefer to invest in portfolios that are actively managed.

  • An actively managed fund has a portfolio manager or a team of managers who, through the combination of research, market forecasting, experience and expertise, actively manage the fund in an attempt to beat a particular benchmark (usually a broad index)
  • Depending on the manager and fees charged, active management provides the opportunity to outperform the market

Risk–Based Portfolios

Click on the tabs to view Risk-Based Portfolios for each management approach.

Investment Name Risk Level Investment Objective Allocation
ESG Bond Portfolio Moderate This Investment Portfolio seeks to provide a moderate rate of return primarily through current income.
  • 100.00% Bonds
Index Bond Portfolio Moderate This Investment Portfolio seeks to provide a moderate rate of return primarily through current income.
  • 100.00% Bonds
Index International Equity Portfolio Aggressive This Investment Portfolio seeks to provide a favorable long-term return, mainly from capital appreciation.
  • 100.00% International
Index U.S. Equity Portfolio Aggressive This Investment Portfolio seeks to provide a favorable long-term growth, mainly from capital appreciation.
  • 100.00% Equities
Passive Conservative Portfolio Conservative to Moderate This Investment Portfolio seeks to provide preservation of capital along with a moderate long-term rate of return.
  • 50.00% Fixed Income
  • 50.00% Funding Agreement
Passive Diversified Equity Portfolio Aggressive This Investment Portfolio seeks to provide a favorable long-term total return, mainly from capital appreciation.
  • 63.00% U.S. Equity
  • 30.00% International
  • 7.00% Real Estate
Passive Growth Portfolio Aggressive This Investment Portfolio seeks to provide a favorable long-term total return, mainly from capital appreciation.
  • 44.10% U.S. Equity
  • 21.00% International
  • 4.90% Real Estate
  • 30.00% Fixed Income
Investment Name Risk Level Investment Objective Allocation
Active Conservative Portfolio Conservative to Moderate This Investment Portfolio seeks to provide preservation of capital along with a moderate long-term rate of return.
  • 50.00% Fixed Income
  • 50.00% Funding Agreement
Active Diversified Equity Portfolio Aggressive This Investment Portfolio seeks to provide a favorable long-term total return, mainly from capital appreciation.
  • 63.00% U.S. Equity
  • 30.00% International
  • 7.00% Real Estate
Active Growth Portfolio Aggressive This Investment Portfolio seeks to provide a favorable long-term total return, mainly from capital appreciation.
  • 44.10% U.S. Equity
  • 21.00% International
  • 4.90% Real Estate
  • 30.00% Fixed Income
Active International Equity Portfolio Aggressive This Investment Portfolio seeks a favorable long-term return, mainly through capital appreciation.
  • 100.00% International
ESG International Equity Portfolio Aggressive This Investment Portfolio seeks to provide a favorable long-term total return.
  • 100.00% Equities
Social Choice Equity Portfolio Aggressive This Investment Portfolio seeks to provide a favorable long-term total return.
  • 100.00% Equities

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Things to consider

Changing your investments

Once you invest in a particular investment portfolio, you can transfer contributions and any earnings to another investment portfolio up to twice per calendar year or upon a transfer of funds to a ScholarShare 529 account for a different beneficiary.

Periodically reviewing your investments

It’s a good idea to periodically reevaluate your investment strategy as your goals, investment horizon, and personal situation changes—for example, annually at tax time, on a yearly basis if your income changes, or upon the birth of another child.

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