Investment Portfolios

Building a Section 529 account that is right for you takes planning. The Oregon College Savings Plan offers you a choice of 15 investment portfolios. These portfolios vary in their investment strategy and degree of risk, allowing you to select a portfolio or combination of portfolios that may fit your needs.

For more information on the risks involved in investing in such investment portfolios, and the type of investor for whom each investment portfolio may be appropriate, read the Disclosure Booklet (PDF).

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Investment Portfolios

Changing Your Investments
Once you invest in a particular investment portfolio, you can transfer contributions and any earnings to another investment portfolio once per calendar year or upon a transfer of funds to an Oregon College Savings Plan account for a different beneficiary.

Periodically Review Your Investments
It's a good idea to periodically re-evaluate your investment strategy as your goals, investment horizon, and personal situation change - for example, annually at tax time, on a yearly basis if your income changes, or upon the birth of another child.

Age-based Portfolios (Risk level shifts from Aggressive to Conservative as the Beneficiary ages)

This investment portfolio seeks to match the investment objective and level of risk to the investment horizon by taking into account the beneficiary’s current age and the number of years before the beneficiary turns 18 and is expected to enter college. Depending on the beneficiary’s age, allocations to this portfolio will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. The age bands for younger beneficiaries seek a favorable long-term return by investing primarily in mutual funds that invest in equity securities, which have a higher level of risk, but greater potential for returns than more conservative investments. As a beneficiary nears college age, the age bands allocate less to mutual funds that invest in equity securities and allocate more heavily to mutual funds that invest in fixed-income and money market securities seeking to preserve capital. The underlying investments in all age bands of the Age-Based Portfolio are primarily index mutual funds. Click here to view the underlying mutual funds in this Portfolio.

 
 

Allocations for all investments are as of February 2012. Allocations are reviewed and adjusted periodically.

Multi-fund Investment Portfolios

These investment portfolios seek to provide investment options for account owners who prefer to select an investment portfolio for its asset allocation. Each multi-fund investment portfolio has a different investment objective and investment strategy. The allocations to the underlying mutual funds in the multi-fund investment portfolios do not change automatically as the beneficiary ages as they do in the age-based portfolios. Investments will remain in the multi-fund investment portfolios until the account owner instructs the Plan to move them to another investment portfolio. The Board may change the asset allocations and underlying mutual funds for these investment portfolios (as well as for the other investment portfolios) at any time.

Target Allocation Portfolios (Risk levels range from Aggressive to Conservative)

Aggressive Portfolio
This target allocation portfolio seeks a favorable long-term return by investing primarily in mutual funds that invest in equity securities, which have a higher level of risk, but may generate potentially greater returns than more conservative investments. The Aggressive Portfolio seeks to allocate a small percentage of assets to mutual funds that invest in fixed-income securities to provide some protection from equity volatility. Because of the high exposure to domestic and foreign equities, and the corresponding high degree of risk, this investment portfolio may be appropriate for you if you already have substantial college savings from less volatile investments (e.g., fixed-income) or you have a long investment horizon and you can tolerate a higher level of risk. The majority of underlying investments in this Portfolio are index mutual funds. Click here to view the underlying mutual funds in this Portfolio.


Moderate Portfolio
This target allocation portfolio seeks moderate growth by investing in a balanced asset allocation that is slightly weighted toward mutual funds that invest in equity securities, which have a higher level of risk, but may generate potentially greater returns than more conservative investments. The Moderate Portfolio seeks to balance the higher level of risk with investments in mutual funds that invest in fixed-income securities, which have a lower level of risk, but a lower potential for returns than more aggressive investments. This investment portfolio may be appropriate for you if you have a medium to short investment horizon and can tolerate a moderate level of risk. The majority of underlying investments in this Portfolio are index mutual funds. Click here to view the underlying mutual funds in this Portfolio.


Conservative Portfolio
This target allocation portfolio seeks preservation of income and protection of principal. The Conservative Portfolio invests primarily in mutual funds that invest in mostly high quality fixed-income securities, which have a lower level of risk and corresponding lower potential for returns than more aggressive investments. This investment portfolio may be appropriate for you if you have a short investment horizon and are looking for a conservative investment with a lower level of risk. The majority of underlying investments in this Portfolio are index mutual funds. Click here to view the underlying mutual funds in this Portfolio.


Diversified U.S. Equity (Risk level - Aggressive)

This investment portfolio seeks to provide a favorable long-term total return by investing in a combination of index, quantitative and actively-managed U.S. equity mutual funds. Because of the high exposure to equity investments, and the corresponding high degree of risk, this investment portfolio may be appropriate for you if you already have substantial college savings from less volatile investments (e.g., fixed-income investments) or you have a long investment horizon and you can tolerate a higher level of risk, or for use in conjunction with other investment portfolios offered by the Plan. The majority of underlying investments in this Portfolio are actively-managed mutual funds. Click here to view the underlying mutual funds in this Portfolio.


Diversified International Equity (Risk level - Aggressive)

This investment portfolio seeks to provide a favorable long-term total return by investing in a combination of index and actively-managed international equity mutual funds. Because of the high exposure to foreign equity investments, and the corresponding high degree of risk, this investment portfolio may be appropriate for you if you already have substantial college savings from less volatile investments (e.g., fixed-income investments) or you have a long investment horizon and you can tolerate a higher level of risk, or for use in conjunction with other investment portfolios offered by the Plan. The majority of underlying investments in this Portfolio are actively-managed mutual funds. Click here to view the underlying mutual funds in this Portfolio.


Diversified Fixed Income (Risk level - Moderate)

This investment portfolio seeks to provide preservation of capital along with a moderate rate of return through a diversified mix of fixed-income investments. This investment portfolio may be appropriate for you if you have a medium to short investment horizon and can tolerate a moderate level of risk. The majority of underlying investments in this Portfolio are actively-managed mutual funds. Click here to view the underlying mutual funds in this Portfolio.


Balanced Index (Risk level - Moderate)

This investment portfolio seeks to provide favorable long-term growth, mainly from capital appreciation, by investing its assets in a balanced combination of U.S. equity index mutual funds and bond index mutual funds. This investment portfolio employs a “passive management” – or indexing—strategy designed to track the investment performance of the underlying mutual funds' benchmark indexes. This investment portfolio may be appropriate for you if you have a medium to short investment horizon and can tolerate a moderate level of risk. All of the underlying investments in this Portfolio are index mutual funds. Click here to view the underlying mutual funds in this Portfolio.


Single-fund Portfolios

These investment portfolios are each invested solely in shares of a single underlying mutual fund. Therefore, their performance is entirely reliant on the performance of that underlying mutual fund and may be more volatile than the age-based investment portfolio or the multi-fund investment portfolios. You should be aware that account owners do not own shares of the underlying mutual fund directly. Each of the single fund investment portfolios is described in more detail here.


U.S. Equity Index (Risk level - Aggressive)

This investment portfolio seeks to provide favorable long-term growth, mainly from capital appreciation. The U.S. Equity Index portfolio invests in the TIAA-CREF Equity Index Fund - Institutional Class, which seeks a diversified portfolio selected to track the overall market for common stocks publicly traded in the U.S., as represented by a broad stock market index. This investment portfolio employs a "passive management" – or indexing – strategy designed to track the investment performance of the underlying mutual fund’s benchmark index. Because of the high exposure to equity investments, and the corresponding high degree of risk, this investment portfolio may be appropriate for you if you already have substantial college savings from less volatile investments (e.g., fixed-income investments) or you have a long investment horizon and you can tolerate a higher level of risk, or for use in conjunction with other investment portfolios offered by the Plan. The underlying investment in this Portfolio is an index mutual fund.


International Equity Index (Risk level - Aggressive)

This investment portfolio seeks to provide favorable long-term growth, mainly from capital appreciation. The International Equity Index portfolio invests in the Vanguard Total International Stock Index Fund - Investor Shares, which seeks to track the performance of a benchmark index that measures the investment return of stocks issued by companies located in Europe, the Pacific region, and emerging markets countries. This investment portfolio employs a "passive management" – or indexing—strategy designed to track the investment performance of the underlying mutual fund’s benchmark index. Because of the high exposure to foreign equity investments, and the corresponding high degree of risk, this investment portfolio may be appropriate for you if you already have substantial college savings from less volatile investments (e.g., fixed-income investments) or you have a long investment horizon and you can tolerate a higher level of risk, or for use in conjunction with other investment portfolios offered by the Plan. The underlying investment in this Portfolio is an index mutual fund.


Social Choice (Risk level - Aggressive)

This investment portfolio seeks to provide a favorable long-term total return. The Social Choice portfolio invests in the TIAA-CREF Social Choice Equity Fund - Institutional Class, which invests primarily in equity securities of companies that meet certain social criteria, such as product safety, corporate citizenship, human rights and environmental performance. Because of the high exposure to domestic and foreign equities, and the corresponding degree of risk, this investment portfolio may be appropriate for you if you have a long investment horizon and you can tolerate a higher level of risk. The underlying investment in this Portfolio is an actively-managed mutual fund.


Inflation-linked Bond (Risk level - Moderate)

This investment portfolio seeks a long-term rate of return that outpaces inflation. The Inflation-Linked Bond portfolio invests in the TIAA-CREF Inflation-Linked Bond Fund - Institutional Class, which primarily invests in inflation-indexed bonds. This investment portfolio may be appropriate for you if you have a medium to short investment horizon and can tolerate a moderate level of risk. . The underlying investment in this Portfolio is an actively-managed mutual fund.


Fixed Income Index (Risk level - Moderate)

The Fixed Income Index Portfolio currently invests 100% of its assets in the TIAA-CREF Bond Index Fund. This Fund primarily invests in a portfolio of fixed-income securities that is designed to produce a return that corresponds with the total return of the U.S. investment-grade bond market based on a broad bond index. This Investment Portfolio may be appropriate for you if you have a medium to short investment horizon and can tolerate a moderate level of risk. The underlying investment in this Portfolio is an index mutual fund.


Money Market (Risk level - Conservative)

This investment portfolio seeks to provide high current income consistent with preserving capital and may be appropriate for you if you have a short investment horizon and are looking for a conservative investment with a lower level of risk. This investment portfolio invests in the TIAA-CREF Money Market Fund - Institutional Class. The underlying investment in this Portfolio is an actively-managed mutual fund.


Principal Protection Portfolio: Principal Plus Interest (Risk level - Conservative)

This investment portfolio seeks to preserve capital and provide a stable return. It may be appropriate for you if you have a short investment horizon and are looking for a conservative investment with a low level of risk. The assets in this investment portfolio are allocated to a funding agreement issued by TIAA-CREF Life to the Board, which is the policyholder under the agreement. The funding agreement provides for a return of principal plus a guaranteed rate of interest and allows for the possibility that additional interest may be credited as declared periodically by TIAA-CREF Life. The interest rate guarantee is made to the Board only, and not to account owners or beneficiaries. The rate of any additional interest is declared in advance for a period of up to 12 months and is not guaranteed for any future periods.

Effective April 1, 2014, contributions received, and accumulations arising from such contributions, under the Funding Agreement for the Principal Plus Interest Portfolio as of March 31, 2014 will be credited to the Board with an effective annual interest rate of 1.20% and are guaranteed to earn this rate through March 31, 2015, subject to the claims paying ability of TIAA-CREF Life.

All or a majority of the underlying investments in this Portfolio are actively managed.


Account values are not guaranteed and will fluctuate with market conditions. For a complete discussion of risks associate with each Investment Portfolio, please refer to the Disclosure Booklet.

The Money Market Portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the portfolio seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the portfolio.

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