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Investment Funds |
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| Account Owners must select one investment fund for all funds deposited in each ESA |
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| Option One -- Age-Based Option:
This option is geared toward investors who do not want the burden of monitoring and periodically adjusting
their college investment portfolios. Deposits are automatically moved, over time, among different portfolios
and invested in portfolios with progressively more conservative asset allocations. When the Beneficiary is
very young, assets are invested mainly in stocks. As the Beneficiary ages, assets are automatically shifted,
according to a set schedule, toward more bonds and short-term reserves in order to protect the Account Owner's
capital and to reduce risk. It is possible that moneys invested in this option will lose value. |
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| Ages 0 through 5 |
Vanguard LifeStrategy Moderate Growth Portfolio |
VSMGX |
| Ages 6 through 10 |
Vanguard LifeStrategy Conservative Growth Portfolio |
VSCGX |
| Ages 11 through 15 |
Vanguard LifeStrategy Income Portfolio |
VASIX |
| Ages 16+ |
Louisiana Principal Protection Option |
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| Option Two -- Louisiana Principal Protection Option:
This option is the most conservative START Saving Program investment plan and
is managed by the Louisiana State Treasurer. This option invests 100% of deposits and interest earned thereon
in Fixed Earnings investments such as government bonds, notes, and certificates of deposit. The state guarantees
the return of your principal so you cannot lose money, but does not guarantee any particular investment return.
Every other option involves some risk of loss of principal. |
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| Option Three -- Total Equity Option:
This option invests 100% of each deposit in a Vanguard fund (Vanguard Total Stock Market Index Fund Institutional
Shares - VITSX) holding a broadly diversified portfolio of U.S. stocks, which allows account owners to seek
the highest possible returns -- and assume the highest possible risk -- for their investment. It is possible
that moneys invested in this option will lose value. |
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| Option Four -- Balanced Option:
This option invests 50% of each deposit in a Vanguard fund (Vanguard Total Stock Market Index Fund Institutional
Shares - VITSX) holding a broadly diversified portfolio of U.S. stocks and 50% in Fixed Earnings investments
such as government bonds, notes, and certificates of deposit managed by the Louisiana State Treasurer (the
state guarantees the return of your principal on Fixed Earnings investments managed by the Louisiana State
Treasurer). It is possible that moneys invested in this option will lose value. |
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| Option Five -- Equity-Plus Option:
This option invests 75% of each deposit in a Vanguard fund (Vanguard Total Stock Market Index Fund Institutional
Shares - VITSX) holding a broadly diversified portfolio of U.S. stocks and 25% in Fixed Earnings investments
such as government bonds, notes, and certificates of deposit managed by the Louisiana State Treasurer (the
state guarantees the return of your principal on Fixed Earnings investments managed by the Louisiana State
Treasurer). It is possible that moneys invested in this option will lose value. |
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| Option Six -- Principal Preservation-Plus Option:
This option invests 25% of each deposit in a Vanguard fund (Vanguard Total Stock Market Index Fund Institutional
Shares - VITSX) holding a broadly diversified portfolio of U.S. stocks and 75% in Fixed Earnings investments
such as government bonds, notes, and certificates of deposit managed by the Louisiana State Treasurer (the
state guarantees the return of your principal on Fixed Earnings investments managed by the Louisiana State
Treasurer). It is possible that moneys invested in this option will lose value. |
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| Option Seven -- Equity Plus International Option:
This option invests 80% of each deposit in a Vanguard fund (vanguard Total Stock Market Index Fund
Institutional Shares - VITSX) holding a broadly diversified portfolio of U. S. stocks and 20% in a Vanguard
fund (Total International Stock Index Fund - VGTSX) holding a large blend of International/Global Stocks,
which allows account owners to seek the highest possible returns-and assume the highest possible risk - for their
investment. It is possible that moneys invested in this option will lose value. |
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| Click
here
to learn more about Vanguard funds. |
