Investing with an Advisor: Age-Based Tracks

An age-based investment is just that — it's based on the age of your child. You simply choose the Investment Track: Conservative, Moderate or Aggressive. Then, Learning Quest Advisor will use the track you select and your child's age to determine how to invest your assets.

Over time, the account will move through the portfolios that make up these three tracks. These portfolios invest in a mix of stock and bond mutual funds and cash from multiple investment managers including American Century Investments, T. Rowe Price, Principal Financial Group and American Beacon Funds.

The table below shows how your account will be invested for each track based on the age of the beneficiary.

Price & Performance | Fees & Expenses

Class A
Class C

Conservative, Moderate and Aggressive Investment Tracks
Age of the Beneficiary	Conservative Track	Moderate Track	Aggressive Track
0-4	Learning Quest Advisor 60% Equity Portfolio	Learning Quest Advisor 70% Equity Portfolio	Learning Quest Advisor 90% Equity Portfolio
5-7	Learning Quest Advisor 50% Equity Portfolio	Learning Quest Advisor 60% Equity Portfolio	Learning Quest Advisor 80% Equity Portfolio
8-10	Learning Quest Advisor 40% Equity Portfolio	Learning Quest Advisor 50% Equity Portfolio	Learning Quest Advisor 70% Equity Portfolio
11-13	Learning Quest Advisor 30% Equity Portfolio	Learning Quest Advisor 50% Equity Portfolio	Learning Quest Advisor 60% Equity Portfolio
14-15	Learning Quest Advisor 30% Equity Portfolio	Learning Quest Advisor 40% Equity Portfolio	Learning Quest Advisor 50% Equity Portfolio
16-17	Learning Quest Advisor 20% Equity Portfolio	Learning Quest Advisor 30% Equity Portfolio	Learning Quest Advisor 40% Equity Portfolio
18-19	Learning Quest Advisor 10% Equity Portfolio	Learning Quest Advisor 20% Equity Portfolio	Learning Quest Advisor 30% Equity Portfolio
20+	Learning Quest Advisor Short-Term Portfolio	Learning Quest Advisor 10% Equity Portfolio	Learning Quest Advisor 20% Equity Portfolio

Conservative, Moderate and Aggressive Investment Tracks
Age of the Beneficiary	Conservative Track	Moderate Track	Aggressive Track
0-4	Learning Quest Advisor 60% Equity Portfolio	Learning Quest Advisor 70% Equity Portfolio	Learning Quest Advisor 90% Equity Portfolio
5-7	Learning Quest Advisor 50% Equity Portfolio	Learning Quest Advisor 60% Equity Portfolio	Learning Quest Advisor 80% Equity Portfolio
8-10	Learning Quest Advisor 40% Equity Portfolio	Learning Quest Advisor 50% Equity Portfolio	Learning Quest Advisor 70% Equity Portfolio
11-13	Learning Quest Advisor 30% Equity Portfolio	Learning Quest Advisor 50% Equity Portfolio	Learning Quest Advisor 60% Equity Portfolio
14-15	Learning Quest Advisor 30% Equity Portfolio	Learning Quest Advisor 40% Equity Portfolio	Learning Quest Advisor 50% Equity Portfolio
16-17	Learning Quest Advisor 20% Equity Portfolio	Learning Quest Advisor 30% Equity Portfolio	Learning Quest Advisor 40% Equity Portfolio
18-19	Learning Quest Advisor 10% Equity Portfolio	Learning Quest Advisor 20% Equity Portfolio	Learning Quest Advisor 30% Equity Portfolio
20+	Learning Quest Advisor Short-Term Portfolio	Learning Quest Advisor 10% Equity Portfolio	Learning Quest Advisor 20% Equity Portfolio

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Investing with an Advisor: Age-Based Tracks

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Investing with an Advisor: Age-Based Tracks