Portfolio Options

Few things in life are one size fits all. Saving for college is no exception. Whether college is fast-approaching or you’ve got years ahead of you to save, we offer a full range of professionally managed portfolio options.

Select a Portfolio

Featuring target date investments, each Enrollment-Based Portfolio is composed of various T. Rowe Price mutual funds most closely aligned with a projected college enrollment year. These portfolios’ investments automatically shift as your target date approaches. To maximize growth potential, the investment mix is more aggressive the further your target date is in the future. Over time, as the target date gets closer, the investment mix adjusts to help reduce risk and volatility.

You can use the year your child will enter college to help you select the Enrollment-Based Portfolio that may be right for you.

Use the slider below to view your portfolio options
Portfolio for College
0%
Stocks
0%
Bonds
Expected Year of First Semester: 2015

Portfolio 2036

This aggressive equity portfolio seeks long-term capital appreciation by broadly investing in funds primarily focused on domestic equity markets with some exposure to international equity markets. The strategy is based on the understanding that the volatility associated with equity markets can be accompanied by the greatest potential for long-term capital appreciation. Due to the long time horizon until expected college entry, for the fourth quarter of 2016, this investment portfolio has the same allocations as Portfolio 2033, although its allocations will begin to shift and become more conservative each quarter three years later than Portfolio 2033.

The neutral asset allocations depicted for this portfolio are for the fourth quarter 2016.

Equity Index 500 Fund   30.70%  
Blue Chip Growth Fund 10.24%
Value Fund 10.24%
International Growth & Income Fund 8.08%
International Stock Fund 8.08%
Overseas Stock Fund 8.08%
Small-Cap Stock Fund 7.32%
Real Assets Fund 5.00%
Emerging Markets Stock Fund 4.28%
Mid-Cap Growth Fund 3.99%
Mid-Cap Value Fund 3.99%

Portfolio 2033

This aggressive equity portfolio seeks long-term capital appreciation by broadly investing in funds primarily focused on domestic equity markets with some exposure to international equity markets. The strategy is based on the understanding that the volatility associated with equity markets can be accompanied by the greatest potential for long-term capital appreciation.

The neutral asset allocations depicted for this portfolio are for the fourth quarter 2016.

Equity Index 500 Fund 30.70%   
Blue Chip Growth Fund 10.24%
Value Fund 10.24%
International Growth & Income Fund   8.08%
International Stock Fund 8.08%
Overseas Stock Fund 8.08%
Small-Cap Stock Fund 7.32%
Real Assets Fund 5.00%
Emerging Markets Stock Fund 4.28%
Mid-Cap Growth Fund 3.99%
Mid-Cap Value Fund 3.99%

Portfolio 2030

This aggressive equity portfolio seeks long-term capital appreciation by broadly investing in funds primarily focused on domestic equity markets with some exposure to international equity markets. The strategy is based on the understanding that the volatility associated with equity markets can be accompanied by the greatest potential for long-term capital appreciation.

The neutral asset allocations depicted for this portfolio are for the fourth quarter 2016.

Equity Index 500 Fund
28.42%   
Blue Chip Growth Fund
9.47%
Value Fund
9.47%
Spectrum Income Fund
7.50%
International Growth & Income Fund
7.47%
Overseas Stock Fund
7.47%
International Stock Fund
7.47%
Small-Cap Stock Fund
6.77%
Real Assets Fund
4.63%
Emerging Markets Stock Fund
3.95%
Mid-Cap Growth Fund
3.69%
Mid-Cap Value Fund
3.69%

Portfolio 2027

This aggressive equity portfolio seeks long-term capital appreciation by broadly investing in funds primarily focused on the domestic equity markets and international equity markets, with some exposure to fixed income. The strategy is based on the understanding that the volatility associated with equity markets can be accompanied by the greatest potential for long-term capital appreciation.

The neutral asset allocations depicted for this portfolio are for the fourth quarter 2016.

Equity Index 500 Fund
23.80%   
Spectrum Income Fund
22.50%
Blue Chip Growth Fund
7.94%
Value Fund
7.94%
International Growth & Income Fund
6.26%
Overseas Stock Fund
6.26%
International Stock Fund
6.26%
Small-Cap Stock Fund
5.67%
Real Assets Fund
3.88%
Emerging Markets Stock Fund
3.31%
Mid-Cap Growth Fund
3.09%
Mid-Cap Value Fund
3.09%

Portfolio 2024

This moderately aggressive portfolio seeks long-term capital appreciation by broadly investing in funds primarily focused on domestic equity markets with some exposure to international equity markets and fixed income. The strategy is based on the understanding that the volatility associated with equity markets can be accompanied by the highest potential for long-term capital appreciation.

The neutral asset allocations depicted for this portfolio are for the fourth quarter 2016.

Spectrum Income Fund   
38.25%      
Equity Index 500 Fund 18.97%
Blue Chip Growth Fund 6.32%
Overseas Stock Fund
4.99%
International Growth & Income Fund             
4.99%
Overseas Stock Fund
4.99%
International Stock Fund
4.99%
Small-Cap Stock Fund
4.52%
Real Assets Fund
3.09%
Emerging Markets Stock Fund
2.64%
Mid-Cap Growth Fund
2.46%
Mid-Cap Value Fund 2.46%

Portfolio 2021

This portfolio invests in an approximately equal mix of fixed income instruments and stocks. The portfolio invests in both domestic and international equity markets. The strategy is based on the understanding that the volatility associated with equity markets can be accompanied by the highest potential for long-term capital appreciation while attempting to cushion the effects of volatility through diversification.

The neutral asset allocations depicted for this portfolio are for the fourth quarter 2016.

Spectrum Income Fund 35.71%  
Equity Index 500 Fund
19.95%
New Income Fund
14.29%
Limited Duration Inflation Focused Bond Fund
4.25%
Blue Chip Growth Fund
3.88%
Value Fund
3.88%
International Growth & Income Fund
3.11%
Overseas Stock Fund
3.11%
International Stock Fund
3.11%
Small-Cap Stock Fund
2.54%
Real Assets Fund
2.29%
Mid-Cap Growth Fund
1.39%
Mid-Cap Value Fund
1.39%
Emerging Markets Stock Fund
1.10%

Portfolio 2018

This portfolio invests in a mix of fixed income instruments and stocks, with a higher exposure to fixed income. For diversification and some capital appreciation, the portfolio also invests a small component in international equity markets. This mix of funds offers reduced exposure to equities while diversifying in fixed income markets to reduce the risk and volatility typically associated with equity markets.

The neutral asset allocations depicted for this portfolio are for the fourth quarter 2016.

New Income Fund
31.50%       
Limited Duration Inflation Focused Bond Fund
26.50%
Equity Index 500 Fund
22.33%
Spectrum Income Fund
13.50%
Real Assets Fund
1.43%
International Growth & Income Fund
1.07%
International Stock Fund
1.07%
Overseas Stock Fund
1.07%
Blue Chip Growth Fund
0.47%
Value Fund 0.47%
Small-Cap Stock Fund
0.26%
Mid-Cap Growth Fund
0.14%
Mid-Cap Value Fund
0.14%
Emerging Markets Stock Fund
0.05%

Portfolio for College

This portfolio is designed for Beneficiaries who are already enrolled or are about to enroll in college. Emphasizing a mix of high-quality fixed income investments, this portfolio also maintains an approximate 20% allocation to stock funds with a primary focus on domestic equity. The portfolio seeks to generate income—at a time when a Beneficiary may be withdrawing from an Account for higher education expenses—while also providing portfolio growth that meets or exceeds tuition inflation. There is no guarantee the portfolio will provide adequate income, and you could experience losses near, at, or through the college enrollment date.

The neutral asset allocations depicted for this portfolio are for the fourth quarter 2016. 

Limited Duration Inflation Focused Bond Fund
40.00%     
New Income Fund
40.00%
Equity Index 500 Fund
17.11%
Real Assets Fund
1.00%
International Growth & Income Fund
0.63%
International Stock Fund
0.63%
Overseas Stock Fund
0.63%

The principal value of the Enrollment-Based Portfolios is not guaranteed at any time, including at or after the target enrollment date, which is the approximate date when the child enters college. The portfolios invest in a broad range of underlying mutual funds that include stocks, bonds, and short-term investments and are subject to the risks of different areas of the market. The portfolios emphasize potential capital appreciation during the early phases of asset accumulation, balance the need for appreciation with the need for income as matriculation approaches, and focus more on income and principal stability while the child is in college. While moving assets into bond and money market funds can help lower investment risks, there is no guarantee against loss. The portfolios maintain a substantial allocation to equities both prior to and after the target enrollment date, which can result in greater volatility.

Regardless of your beneficiary’s investment time horizon, within a Static Portfolio, the target asset allocation of T. Rowe Price’s mutual funds remains essentially unchanged. But this doesn’t mean you don’t have control or flexibility. Twice a year, you have the opportunity to move your college savings assets to a more conservative or aggressive portfolio.

Select a portfolio to learn more:

Stocks
Bonds
Money Market/Fixed Income

Total Equity Market Index Portfolio

This portfolio invests exclusively in the T. Rowe Price Total Equity Market Index Fund. The Total Equity Market Index Fund is a passively managed fund that seeks to closely track its benchmark, the S&P Total Market Index. The fund is passively managed, so it generally does not reallocate its holdings based on changes in market conditions or outlook. As a result, its expenses are typically lower than the expenses of an actively managed fund. The fund seeks to match the performance of the entire U.S. stock market as represented by the S&P Total Market Index but does not attempt to fully replicate the index by holding each of those stocks. Index investing can provide a convenient and relatively low-cost way to approximate the performance of a particular market, but it may not offer the flexibility to shift assets toward stocks or sectors that are rising or away from stocks or sectors that are declining.

Total Equity Market Index Fund 100%

Equity Portfolio

Emphasizing long-term capital appreciation, this all-equity portfolio invests in a broad range of funds focused on domestic equity markets with some exposure to international equity markets. It is designed for Account Holders who want a broadly diversified portfolio of primarily actively managed mutual funds that does not become more conservative over time. Because this portfolio invests in many underlying funds, it will have partial exposure to the risks of different areas of the market. This strategy is based on the understanding that the volatility associated with equity markets can be accompanied by the greatest potential for long-term capital appreciation.

Equity Index 500 Fund 30.70%  
Blue Chip Growth Fund 10.24%
Value Fund 10.24%
International Growth & Income Fund 8.08%
International Stock Fund 8.08%
Overseas Stock Fund 8.08%
Small-Cap Stock Fund 7.32%
Real Assets Fund 5.00%
Emerging Markets Stock Fund 4.28%
Mid-Cap Growth Fund 3.99%
Mid-Cap Value Fund 3.99%

Fixed Income Portfolio

This portfolio’s primary objective is to seek a high level of current income with moderate price fluctuations by investing exclusively in the T. Rowe Price Spectrum Income Fund, which invests in a diversified group of up to 15 T. Rowe Price mutual funds. Ten of these funds invest principally in U.S. fixed income securities; three in foreign bonds; one in money market securities; and one in common stocks of established, dividend-paying companies. The portfolio is subject to interest rate risk, credit risk, asset allocation risk, liquidity risk, international investing risk, emerging markets risk, and dividend-paying stock risk. The strategy is based on a lower-risk investment approach that seeks to conserve principal and generate a reasonable level of return while minimizing the risks associated with equity markets.

Spectrum Income Fund 100%

Balanced Portfolio

This moderately aggressive portfolio focuses on a mix of approximately 60% of its holdings invested in equity markets, including some exposure to international stocks, while seeking diversification through approximately 40% of its holdings allocated to fixed income. This strategy is based on accepting the risks associated with stocks, which have the potential to provide high returns, and seeking to balance the effects of volatility through diversification in fixed income securities.

Spectrum Income Fund
40.00% 
Equity Index 500 Fund
18.43%
Blue Chip Growth Fund
6.14%
Value Fund
6.14%
International Growth & Income Fund
4.85%
International Stock Fund
4.85%
Overseas Stock Fund
4.85%
Small-Cap Stock Fund
4.39%
Real Assets Fund
3.00%
Emerging Markets Stock Fund
2.57%
Mid-Cap Growth Fund
2.39%
Mid-Cap Value Fund 2.39%

Money Market Portfolio

This portfolio invests exclusively in the U.S. Treasury Money Fund, which is a money market fund managed to provide a stable share price of $1.00 by investing short-term, high-quality securities backed by the U.S. government and repurchase agreements thereon. An investment in the Money Market Portfolio is neither insured nor guaranteed by the FDIC or any other government agency, and although the Money Market Portfolio seeks to preserve the value of your investment at $1.00 per unit, it is possible to lose money by investing in this Portfolio. Neither the Program Manager nor the underlying fund’s sponsor has any legal obligation to provide financial support to the Portfolio or underlying fund, and you should not expect that either the Program Manager or the fund sponsor will provide financial support to the Portfolio or the underlying fund at any time. This Portfolio is designed for Account Holders who are conservative investors or who have a Beneficiary nearing college enrollment.

U.S. Treasury Money Fund
100%

"Standard & Poor's®", "S&P®", "S&P 500®", "Standard & Poor's 500", "S&P Total Market Index", and "S&P TMI®" are marks/trademarks of The McGraw-Hill Companies, Inc., and have been licensed for use by T. Rowe Price. The product is not sponsored, endorsed, sold, or promoted by Standard & Poor's, and Standard & Poor's makes no representation regarding the advisability of investing in the product.

Please refer to the Plan Disclosure Document for portfolio asset allocation details. Actual asset allocations for each portfolio will vary and may be higher or lower than this example. The neutral asset allocations depicted for these portfolios are for the fourth quarter 2016. For more current target allocations, please call 1-866-521-1894 and speak with a customer service representative.