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Year of Enrollment Portfolios

Year Of

Enrollment Portfolios

Our Year of Enrollment Portfolios are designed to make saving for college as simple as possible. These Portfolios automatically rebalance your asset mix to more conservative investments as your child nears college age. Once you’ve selected your Portfolio, you can leave the selection of underlying investments and the mix among asset classes to our experienced investment managers. As your child gets closer to college, your Portfolio automatically shifts to become more conservative. It’s a set it and forget it kind of approach.

Options

The Portfolios in the Year of Enrollment Investment Option are designed to take into account a Beneficiary’s age and the number of years before your Beneficiary is expected to attend college or trade school. In general, for younger Beneficiaries, the Portfolios are invested more heavily in underlying investments that invest in stocks to capitalize on the longer investment horizon and to try to maximize returns. As time passes, assets are moved automatically to more conservative investments in an effort to preserve capital as the time for distribution approaches.

Although the asset allocation of the Year of Enrollment Portfolios is designed to correspond with your Beneficiary’s expected year of enrollment, you may choose to invest in a Portfolio other than the one that corresponds to your Beneficiary’s expected enrollment. Keep in mind, however, there may be additional investment risks associated with selecting a Year of Enrollment Portfolio that does not match your Beneficiary’s expected year of enrollment.

Detailed performance information is available by clicking here.

2041 Enrollment Portfolio

Detailed performance information is available by clicking here.

2038 Enrollment Portfolio

Detailed performance information is available by clicking here.

2035 Enrollment Portfolio

Detailed performance information is available by clicking here.

2032 Enrollment Portfolio

Detailed performance information is available by clicking here.

2029 Enrollment Portfolio

Detailed performance information is available by clicking here.

2026 Enrollment Portfolio

Detailed performance information is available by clicking here.

2023 Enrollment Portfolio

Detailed performance information is available by clicking here.

College Portfolio
For more information about Achieve Montana, call 877.486.9271 or download an Enrollment Kit. The Enrollment Kit includes a Program Description that discusses investment objectives, risks, charges, expenses, and other important information; read and consider it carefully before investing.
If you are not a Montana taxpayer, before investing in Achieve Montana, you should consider the benefits of your home state’s qualified tuition program. It may provide taxpayers with state tax and other benefits such as financial aid, scholarship funds and protection from creditors, that are only available through your home state’s qualified tuition program. You should also consult your financial, tax, or other advisor to learn how state-based benefits (or limitations) would apply to your specific circumstances. Tax and other penalties may apply to non-qualified withdrawals.
Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision. In addition, you should periodically assess, and if appropriate, adjust your Section 529 Plan investment choices with your time horizon, risk tolerance and investment objectives in mind.
Achieve Montana is sponsored by the State of Montana and administered by the Montana Board of Regents of Higher Education, as sole trustee of the Montana Family Education Savings Trust (Trust). Ascensus College Savings Recordkeeping Services, LLC serves as program manager and provides recordkeeping and administrative support services for Achieve Montana. Blackrock Fund Advisors, Dimensional Fund Advisors LP, Charles Schwab Investment Management, Inc., New York Life Insurance Company and the Vanguard Group, Inc. each provide investment management services for the underlying investments comprising Achieve Montana’s portfolios. Although some of the portfolios invest in mutual funds, they are not mutual funds. When you invest in Achieve Montana, you are purchasing portfolio units issued by the Trust. Except to the extent of the New York Life Insurance Company guarantee that is available for the Capital Preservation Portfolio and certain Year of Enrollment Portfolios, investment returns are not guaranteed, and you could lose money by investing in Achieve Montana.
Account owners assume all investment risks as well as responsibility for any federal and state tax consequences.
Upromise is an optional service offered by Upromise, Inc., is separate from Achieve Montana, and is not affiliated with the State of Montana. Terms and conditions apply to the Upromise service. Participating companies, contribution levels, and terms and conditions are subject to change at any time without notice. Transfers from Upromise to an Achieve Montana account are subject to a $25 minimum. Go to upromise.com to learn more about Upromise.
Upromise and the Upromise logo are registered service marks of Upromise, Inc. Ugift is a registered service mark of Ascensus Broker Dealer Services, Inc., an affiliate of Ascensus College Savings Recordkeeping Services, LLC.
Vanguard is a registered mark of The Vanguard Group, Inc. All other trademarks, service marks or registered trademarks are the property of their respective owners. Used with permission.