Static Investment Options
Consider this if: you're looking to take a more focused approach to investing.
The Static investment options allow you to align your investment objectives with your risk tolerance level, giving you more control over your portfolio. These investment options are intended for account owners who prefer to select investment options with a fixed asset allocation. Each of these investment options invest in one or more underlying investments and each investment portfolio has a different investment objective and investment strategy that is subject to different investment risks.
Most investment options include index and actively managed choices. Index funds are designed to track a benchmark index. Active management, by contrast, is managed using research, forecasts, and their own experience to make investment decisions.
How the Static Investment Options work
These investment options each invest in one or more underlying mutual funds. The investment options let you choose the mix of assets that align with your investment objectives and strategy.
The allocations to the underlying mutual funds in the Static investment options do not change automatically as the beneficiary ages as they do in the enrollment year options. Investments will remain in the Static investment options 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 options (as well as for the other investment options) at any time.
| Investment Name | Risk Level | Investment Objective | Allocation | ||
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| U.S. Large Cap Equity Option | Aggressive | This Investment Option seeks to provide a favorable long-term total return, mainly from capital appreciation. |
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| Large Cap Responsible Equity Option | Aggressive | This Investment Option seeks to provide a favorable long-term total return. |
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| International Equity Index Option | Aggressive | This Investment Option seeks to provide a favorable long-term total return, mainly from capital appreciation. |
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| U.S. and International Equity Option | Aggressive | This Investment Option seeks to provide a favorable long-term total return, mainly from capital appreciation. |
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| 100% Fixed-Income Option | Moderate | This Investment Option seeks to provide a moderate long-term rate of return, primarily through current income. |
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| Money Market Option | Conservative | This Investment Option seeks to provide current income consistent with preservation of capital. |
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The investment options 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 option, you can transfer contributions and any earnings to another investment option up to twice per calendar year or upon a transfer of funds to a Minnesota College Savings Plan 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.
More to explore
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