Minnesota College Savings Plan

Age-Based Investment Option

This is the simple, all-in-one investment option, which changes from a growth strategy when your child is young to hold strategy as their college years approach.

You don’t need to be a savvy investor to participate in the Minnesota College Savings Plan. It’s not about choosing ‘the right’ investment, it’s about choosing the investment that’s right for you. For many people, an Age-Based Investment Option can be that choice. Because it automatically shifts from aggressive-to-conservative investments as your child ages, you maximize the opportunities of your investment horizon without needing to manually rebalance your investment options each year.

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 Minnesota College Savings Plan account for a different beneficiary.

Periodically Review Your Investments

It’s a good idea to periodically re-evaluate 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.


How Age-Based Investment Option Works

The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by factoring in the child’s current age and the number of years before they turn 18. Depending on this age, contributions to these Investment Options will be placed in various age bands, each of which has a different investment objective and investment strategy.

As discussed in more detail below, the age bands for younger Beneficiaries seek a favorable long-term return by primarily investing in mutual funds that primarily invest in equity and real estate securities, which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest in equity and real estate securities and more in mutual funds that invest in debt securities and in other investments that seek to preserve principal.

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Managed Allocation Option
(Risk level shifts from aggressive to conservative as the Beneficiary ages)
Managed Allocation Option
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0‑4 YEARS

Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  72.00%Equity Funds
    8.00%Real Estate
  20.00%Fixed Income Funds
+ X

5‑8 YEARS

Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  63.00%Equity Funds
    7.00%Real Estate
  30.00%Fixed Income Funds
+ X

9‑10 YEARS

Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  54.00%Equity Funds
    6.00%Real Estate
  40.00%Fixed Income Funds
+ X

11‑12 YEARS

Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  45.00%Equity Funds
    5.00%Real Estate
  45.00%Fixed Income Funds
    5.00%Principal Protected
+ X

13‑14 YEARS

Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  36.00%Equity Funds
    4.00%Real Estate
  50.00%Fixed Income Funds
  10.00%Principal Protected
+ X

15 YEARS

Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  27.00%Equity Funds
    3.00%Real Estate
  45.00%Fixed Income Funds
  25.00%Principal Protected
+ X

16 YEARS

Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  22.50%Equity Funds
    2.50%Real Estate
  40.00%Fixed Income Funds
  35.00%Principal Protected
+ X

17 YEARS

Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  18.00%Equity Funds
    2.00%Real Estate
  35.00%Fixed Income Funds
  45.00%Principal Protected
+ X

18+ YEARS

Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  13.50%Equity Funds
    1.50%Real Estate
  30.00%Fixed Income Funds
  55.00%Principal Protected
+ X

Managed Allocation Option

(Risk level shifts from aggressive to conservative as the Beneficiary ages)

Managed Allocation Option
BENEFICIARY'S AGE ALLOCATION INVESTMENT OBJECTIVE
0‑4 YEARS
Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  72.00%Equity Funds
    8.00%Real Estate
  20.00%Fixed Income Funds
Read More X

View Underlying Mutual Funds

5‑8 YEARS
Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  63.00%Equity Funds
    7.00%Real Estate
  30.00%Fixed Income Funds
Read More X

View Underlying Mutual Funds

9‑10 YEARS
Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  54.00%Equity Funds
    6.00%Real Estate
  40.00%Fixed Income Funds
Read More X

View Underlying Mutual Funds

11‑12 YEARS
Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  45.00%Equity Funds
    5.00%Real Estate
  45.00%Fixed Income Funds
    5.00%Principal Protected
Read More X

View Underlying Mutual Funds

13‑14 YEARS
Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  36.00%Equity Funds
    4.00%Real Estate
  50.00%Fixed Income Funds
  10.00%Principal Protected
Read More X

View Underlying Mutual Funds

15 YEARS
Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  27.00%Equity Funds
    3.00%Real Estate
  45.00%Fixed Income Funds
  25.00%Principal Protected
Read More X

View Underlying Mutual Funds

16 YEARS
Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  22.50%Equity Funds
    2.50%Real Estate
  40.00%Fixed Income Funds
  35.00%Principal Protected
Read More X

View Underlying Mutual Funds

17 YEARS
Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  18.00%Equity Funds
    2.00%Real Estate
  35.00%Fixed Income Funds
  45.00%Principal Protected
Read More X

View Underlying Mutual Funds

18+ YEARS
Investment Objective. The Managed Allocation Option seeks to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18 and is expected to enter an Eligible Educational Institution.

Investment Strategy. Depending on the Beneficiary’s age, contributions to this Investment Option will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail in the Disclosure Booklet, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and invest more heavily in mutual funds that invest primarily in debt securities and in a funding agreement to preserve capital.

  13.50%Equity Funds
    1.50%Real Estate
  30.00%Fixed Income Funds
  55.00%Principal Protected
Read More X

View Underlying Mutual Funds

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