Minnesota College Savings Plan

Multi-Fund Investment Options

Want investment options with more choices when it comes to diversity and risk? If so, Multi-Fund investments are worth a closer look.

Some investors want added control over their investment option’s diversification and investment strategy. If you’re one of those people, the Multi-Fund Investment Options available through the Minnesota College Savings Plan might be the investment type for you.

With the Multi-Fund Investment Options, you can select from a range of investment types suitable for a variety of risk profiles and asset allocation blends. Choices may include options such as international investments, which are investments made entirely outside the US and balanced funds, which try to provide a mix of both safety and modest returns.

Most options 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 experience to make investment decisions.

No matter which option(s) you choose, it’s important to note that once you’ve selected an investment, the funds will remain there until you select another.

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 Multi-Fund Investment Options Work

These investment options seek to provide options for people who prefer to select an investment option for its asset allocation. Each multi-fund investment option has a different investment objective and investment strategy.

The allocations to the underlying mutual funds in the multi-fund investment options do not change automatically as the beneficiary ages as they do in the age-based investment options. Investments will remain in the multi-fund 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.

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Multi-Fund Investment Options
Multi-Fund Investment Options
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AGGRESSIVE OPTION

(Risk Level — Aggressive)

Investment Objective. This Investment Option seeks a favorable long-term return by investing in mutual funds that invest primarily in equity securities and, to a lesser extent, in mutual funds that primarily invest in debt securities.

Investment Strategy. This Investment Option invests in multiple mutual funds.

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

MODERATE OPTION

(Risk Level — Moderate)

Investment Objective. This Investment Option seeks moderate growth by investing in a mix of mutual funds that invest in a diversified mix of asset classes.

Investment Strategy. This Investment Option invests in multiple mutual funds.

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

CONSERVATIVE OPTION

(Risk Level — Conservative to Moderate)

Investment Objective. This Investment Option seeks a conservative to moderate total return by investing in a funding agreement and mutual funds that invest primarily in debt securities and, to a lesser extent, by investing in mutual funds that invest primarily in equity securities.

Investment Strategy. This Investment Option invests in multiple mutual funds and a funding agreement.

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

INTERNATIONAL EQUITY INDEX

(Risk Level — Moderate)

Investment Objective. This Investment Option seeks to provide favorable long-term total return, mainly from capital appreciation.

Investment Strategy. Each of the mutual funds in which this Investment Option invests is considered an “index fund,” meaning the mutual fund attempts to track a benchmark index.

 100.00%Equity Funds
+ X

U.S. AND INTERNATIONAL EQUITY

(Risk Level — Aggressive)

Investment Objective. This Investment Option seeks to provide a favorable long-term total return, mainly from capital appreciation.

Investment Strategy. This Investment Option invests 100% of its assets in mutual funds that invest primarily in equity securities.

   90.00%Equity Funds
    10.00%Real Estate
+ X

EQUITY AND INTEREST
ACCUMULATION

(Risk Level — Moderate)

Investment Objective. This Investment Option seeks to provide a moderate long-term total return.

Investment Strategy. This Investment Option invests half of its assets in an equity index mutual fund and the other half of its assets in a funding agreement.

 50.00%Equity Funds
 50.00%Principal Protected
+ X

100% FIXED-INCOME

(Risk Level — Moderate)

Investment Objective. This Investment Option seeks to provide a moderate long-term rate of return primarily through current income.

Investment Strategy. This investment Option invests 100% of its assets in mutual funds that invest primarily in debt securities.

 100.00%Fixed Income Funds
+ X

Multi-Fund Investment Options


Multi-Fund Investment Options
INVESTMENT OPTION NAME ALLOCATION INVESTMENT OPTION OBJECTIVE
AGGRESSIVE
OPTION
(Risk Level — Aggressive)

Investment Objective. This Investment Option seeks a favorable long-term return by investing in mutual funds that invest primarily in equity securities and, to a lesser extent, in mutual funds that primarily invest in debt securities.

Investment Strategy. This Investment Option invests in multiple mutual funds.

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

View Underlying Mutual Funds

MODERATE
OPTION
(Risk Level — Moderate)

Investment Objective. This Investment Option seeks moderate growth by investing in a mix of mutual funds that invest in a diversified mix of asset classes.

Investment Strategy.This Investment Option invests in multiple mutual funds.

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

View Underlying Mutual Funds

CONSERVATIVE
OPTION
(Risk Level — Conservative to Moderate)

Investment Objective. This Investment Option seeks a conservative to moderate total return by investing in a funding agreement and mutual funds that invest primarily in debt securities and, to a lesser extent, by investing in mutual funds that invest primarily in equity securities.

Investment Strategy. This Investment Option invests in multiple mutual funds and a funding agreement.

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

View Underlying Mutual Funds

INTERNATIONAL
EQUITY INDEX
(Risk Level — Aggressive)

Investment Objective. This Investment Option seeks to provide a favorable long-term total return, mainly from capital appreciation.

Investment Strategy. Each of the mutual funds in which this Investment Option invests is considered an “index fund,” meaning the mutual fund attempts to track a benchmark index.

 100.00%Equity Funds
Read More X

View Underlying Mutual Funds

U.S. AND
INTERNATIONAL
EQUITY
(Risk Level — Aggressive)

Investment Objective. This Investment Option seeks to provide a favorable long-term total return, mainly from capital appreciation.

Investment Strategy. This Investment Option invests 100% of its assets in mutual funds that invest primarily in equity securities.

   90.00%Equity Funds
    10.00%Real Estate
Read More X

View Underlying Mutual Funds

EQUITY AND
INTEREST
ACCUMULATION
(Risk Level — Moderate)

Investment Objective. This Investment Option seeks to provide a moderate long-term total return.

Investment Strategy. This Investment Option invests half of its assets in an equity index mutual fund and the other half of its assets in a funding agreement.

 50.00%Equity Funds
 50.00%Principal Protected
Read More X

View Underlying Mutual Funds

100% FIXED-
INCOME
(Risk Level — Moderate)

Investment Objective. This Investment Option seeks to provide a moderate long-term rate of return primarily through current income.

Investment Strategy. This investment Option invests 100% of its assets in mutual funds that invest primarily in debt securities.

 100.00%Fixed Income Funds
Read More X

View Underlying Mutual Funds

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