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Age-Based Option

Make saving for college even simpler by selecting an investment option that automatically rebalances your asset mix as your child nears college age. For younger children, your assets are placed into a Portfolio that invests in funds with more growth potential. As the child ages, the assets automatically shift to more conservative Portfolios.

Once you select the Age-Based Option, there's nothing more you need to do. It's like putting Achieve Montana on autopilot. This strategy can also help reduce your exposure to risk and market fluctuations.

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Percentages are based on the expenses charged by the underlying investment, and fees payable to the Montana Board of Regents and the Program Manager for management of Achieve Montana. Although some of the Portfolios invest in mutual funds, they are not mutual funds. As an Achieve Montana account owner, you will own units of the Portfolios, which are municipal fund securities, not bank deposits or shares of mutual funds.

Portfolios with higher allocations to bonds and short-term investments tend to be less volatile than those with higher stock allocations. Less-volatile portfolios generally may not decline in value as much when markets decline, but they also may not appreciate in value as much when markets go up.

The Moderate, Conservative and Income Portfolios that are included in the Age Based Option invest in the Vanguard Federal Money Market Fund. That Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible that the Portfolios may lose money by investing in the Fund.

Account Owners assume all investment risks as well as responsibility for any federal and state tax consequences.