Multi-Fund Portfolios
Consider this if:
You're an experienced investor and want added control over your investment option's diversification and investment strategy.
The Multi-Fund Portfolios are asset allocation Portfolios that invest in a set or "fixed" allocation of equity, real estate, fixed income, and a capital preservation instrument (the TIAA Funding Agreement). These Investment Portfolios are intended for Account Owners who prefer to select an Investment Portfolio with a fixed risk level rather than a risk level that changes as the Beneficiary nears their target enrollment date. Each of these Investment Portfolios invests in one or more mutual funds or in the TIAA Funding Agreement, and each Investment Portfolio has a different investment objective and investment strategy and is subject to different investment risks as summarized below. Each has a fixed risk level that does not change as the Beneficiary nears their target enrollment date.
How Multi-Fund Portfolios work
These portfolios seek to provide choices for people who prefer to select an investment portfolio for its asset allocation. Each Multi-Fund Portfolio has a different investment objective and investment strategy. The allocations to the underlying mutual funds in the Multi-Fund Portfolios do not change automatically as the beneficiary ages as they do in the Enrollment Year Portfolios. The Board may change the asset allocations and underlying mutual funds for these investment options (as well as for the other investment options) at any time.
| Investment Name | Risk Level | Investment Objective | Allocation | ||
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| Aggressive Growth Portfolio | Aggressive | This Investment Portfolio seeks to provide long-term capital appreciation. |
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| Aggressive Portfolio | Aggressive | This Investment Portfolio seeks to provide long-term capital appreciation. |
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| Moderate Portfolio | Moderate | This Investment Portfolio seeks to provide moderate growth. |
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| Conservative Portfolio | Conservative to moderate | This Investment Portfolio seeks to provide preservation of capital with a moderate rate of return. |
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The investment portfolios are subject to the risks of the underlying funds including the loss of principal.
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 Quest529 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 change—for example, annually at tax time, on a yearly basis if your income changes or upon the birth of another child.
More resources to explore
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