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Enrollment Year Investment Portfolios
This is the simple, all-in-one investment option based on the date you determine you will need the money to pay for education expenses.
The Enrollment Year Investment Portfolios are a set of portfolios whose asset allocation or mix of equities, bonds, and cash adjusts automatically as the student’s enrollment year approaches. Each portfolio is named to indicate the date your future student may need their college savings (i.e., their enrollment year). The Enrollment Year Investment Portfolios are available in both an actively managed and a passive investment strategy. You can choose the best one that fits your goals, risk tolerance and savings time horizon.
An Enrollment Year Investment Portfolio can be a good all-in-one solution to manage your savings over the longterm without any extra work on your part.
How the Enrollment Year Investment Portfolios Work
Select Your Enrollment Year
Your first step is to determine the year in which you expect your future student will need to use the savings. Typically, families assume their student will need their education savings at age 18 but it could be at any age. Once you’ve estimated when you expect your student will need to use their savings, select the enrollment year portfolio that represents the date closest to your estimated date of enrollment. For example, if in 2020 your future student is 5 years old and you anticipate they will begin college when they are 18 years old, they may need their college savings in 13 years. This means you would select the 2032/2033 (2020 plus 13 years).
Enrollment Year Investment Portfolios
Select Your Investment Management Approach
The asset allocations in the Enrollment Year Investment Portfolios change each quarter moving from more aggressive the longer the time horizon to more conservative as the time horizon for needing the funds shortens. You may choose either an Active or Passive strategy for the underlying funds when choosing an Enrollment Year Investment Portfolio.
Active Management. The Active Enrollment Year Investment Portfolios are intended for those who prefer to invest primarily in mutual funds 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.
Passive Management. The Passive Enrollment Year Investment Portfolios are intended for those who prefer to invest primarily in mutual funds that are index mutual funds. Passive management is a low-cost investment strategy in which a mutual fund attempts to match, rather than outperform, a particular stock or bond market index, also known as indexing.
Consider Your Education Savings Goals
Families can also take advantage of the versatility of the Enrollment Year Investment Portfolios to save for all types of qualified education, including college/university, technical college, professional and graduate schools, and K-12 tuition.* Simply choose the portfolio which corresponds to the year you estimate your student will need the savings.
*The tax reform legislation changes allowing withdrawals for K-12 expenses were on a federal level. Tax consequences of using 529 plans for elementary or secondary education tuition expenses will vary depending on state law, and may include recapture of tax deductions received from the original state as well as penalties. Consult with a tax or legal advisor in this regard.
Align with Your Risk Tolerance
What level of risk are you comfortable with? To help you better understand your risk level, you can take our Risk Tolerance Quiz. If you are a conservative investor, you may wish to choose an earlier enrollment year fund regardless of the year your future student begins college or technical college. More aggressive investors can select a later date. Investors aligning with their risk tolerance or seeking particular investment objectives can view asset allocation across enrollment year dates below to help guide their decision.
Asset Allocation by Enrollment Year Investment Portfolio
Slide the bar below to the Enrollment Year Investment Portfolio that corresponds to the year you think your child will start needing their funds. Then click submit to view the Active and Passive investment mixes.
Slide the bar to the portfolio that matches the year your child will need their funds.
Underlying Funds:
Active Enrollment Year Investment Portfolios
The following table lists the investments in which the Enrollment Year Portfolios invest and the percentage of the investment portfolio’s assets allocated to each of its investments December 18, 2020. If you are currently invested in an Enrollment Year Investment Portfolio, your Account will automatically be rebalanced on December 22, 2020 to reflect the new asset allocations listed below within that Enrollment Year Investment Portfolio. Please keep in mind that if you invest in an Enrollment Year Investment Portfolio, you will own interests in the Enrollment Year Investment Portfolio; you will not own shares in any of the following mutual funds.
Underlying Funds:
Passive Enrollment Year Investment Portfolios
The following table lists the investments in which the Enrollment Year Portfolios invest and the percentage of the investment portfolio’s assets allocated to each of its investments December 18, 2020. If you are currently invested in an Enrollment Year Investment Portfolio, your Account will automatically be rebalanced on December 22, 2020 to reflect the new asset allocations listed below within that Enrollment Year Investment Portfolio. Please keep in mind that if you invest in an Enrollment Year Investment Portfolio, you will own interests in the Enrollment Year Investment Portfolio; you will not own shares in any of the following mutual funds.
Underlying Funds
Enrollment Year Investment Portfolio
TIAA-CREF Equity Index Fund (TIEIX)
TIAA-CREF International Equity Index Fund (TCIEX)
TIAA-CREF Emerging Markets Equity Index Fund (TEQLX)
TIAA-CREF Real Estate Securities Fund (TIREX)
TIAA-CREF Bond Index Fund (TBIIX)
TIAA-CREF Inflation-Linked Bond Fund (TIILX)
TIAA-CREF High Yield Fund (TIHYX)
T-C Life Funding Agreement
2036 / 2037
50.40%
19.20%
4.80%
5.60%
14.00%
4.00%
2.00%
0.00%
2034 / 2035
48.52%
18.45%
4.65%
5.38%
16.10%
4.60%
2.30%
0.00%
2032 / 2033
46.01%
17.53%
4.38%
5.08%
18.90%
5.40%
2.70%
0.00%
2030 / 2031
43.45%
16.55%
4.15%
4.85%
21.70%
6.20%
3.10%
0.00%
2028 / 2029
39.04%
14.88%
3.73%
4.35%
26.60%
7.60%
3.80%
0.00%
2026 / 2027
32.09%
12.23%
3.08%
3.60%
34.30%
9.80%
4.90%
0.00%
2024 / 2025
24.56%
9.33%
2.38%
2.73%
37.45%
10.70%
5.35%
7.50%
2022 / 2023
17.44%
6.65%
1.68%
1.98%
30.45%
8.70%
4.35%
28.75%
2020 / 2021
10.96%
4.20%
1.05%
1.28%
25.38%
7.25%
3.63%
46.25%
Enrollment Year Portfolio
9.40%
3.60%
0.90%
1.10%
24.50%
7.00%
3.50%
50.00%
Ready to get started? Open your ScholarShare 529 account today.