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 only twice 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 Portfolio (Risk level shifts from Aggressive to Conservative as the Beneficiary ages)

Investment Objective. The Age-Based 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.

Investment Strategy. Depending on the Beneficiary’s age, allocations to this Investment Portfolio will be placed in one of nine age bands, each of which has a different investment objective and investment strategy. As discussed in more detail below, the age bands for younger Beneficiaries seek a favorable long-term return by investing primarily in mutual funds that invest primarily in equity securities, which have a higher level of risk, but greater potential for returns, than more conservative instruments. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest in equity securities and invest more heavily in mutual funds that invest in fixed-income and money market securities to preserve capital.

As the Beneficiary of an Account ages, assets in the Account that are invested in this Investment Portfolio are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fifth, ninth, eleventh, thirteenth, fifteenth, sixteenth, seventeenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. Click here to view the underlying mutual funds in this Portfolio.

 
 

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.


Aggressive Portfolio
(Risk level – Aggressive)

Investment Objective. This Investment Portfolio seeks a favorable long-term return.

Investment Strategy. This Investment Portfolio invests in the same mutual funds and at the same percentages as the Age-Based Portfolio age band for Beneficiaries aged 0-4 years. This Investment Portfolio invests primarily in mutual funds that invest primarily in equity securities. Click here to view the underlying mutual funds in this Portfolio.


Moderate Portfolio
(Risk level – Moderate)

Investment Objective. This Investment Portfolio seeks moderate growth.

Investment Strategy. This Investment Portfolio invests in the same mutual funds and at the same percentages as the Age-Based Portfolio age band for Beneficiaries aged 9-10 years. Click here to view the underlying mutual funds in this Portfolio.


Conservative Portfolio
(Risk level – Conservative to Moderate)

Investment Objective. This Investment Portfolio seeks a conservative to moderate total return.

Investment Strategy. This Investment Portfolio invests in the same mutual funds and at the same percentages as the Age-Based Portfolio age band for 16 year-old Beneficiaries. This Investment Portfolio invests primarily in mutual funds that invest primarily in debt securities. Click here to view the underlying mutual funds in this Portfolio.


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

Investment Objective. 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.

Investment Strategy. This Investment Portfolio invests 100% of its assets in mutual funds that invest primarily in equity securities. Click here to view the underlying mutual funds in this Portfolio.


Diversified International Equity (Risk level - Aggressive)

Investment Objective. 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.

Investment Strategy. This Investment Portfolio invests 100% of its assets in mutual funds that invest primarily in equity securities of non-U.S. issuers. Click here to view the underlying mutual funds in this Portfolio.


Diversified Inflation Protection (Risk level - Aggressive)


(formerly named the Inflation-Linked Bond Portfolio)

Investment Objective.
This Investment Portfolio seeks to provide a moderate long-term rate of return primarily through current income.

Investment Strategy. This Investment Portfolio invests 100% of its assets in mutual funds that invest primarily in fixed income instruments. Click here to view the underlying mutual funds in this Portfolio.


Diversified Fixed Income (Risk level - Moderate)

Investment Objective. This Investment Portfolio seeks to provide a moderate long-term rate of return primarily through current income.

Investment Strategy. This Investment Portfolio invests 100% of its assets in mutual funds that invest primarily in fixed income instruments. Click here to view the underlying mutual funds in this Portfolio.


Balanced Index (Risk level - Moderate to Aggressive)

Investment Objective. This Investment Portfolio seeks to provide a favorable return that reflects the broad investment performance of the financial markets.

Investment Strategy. This Investment Portfolio invests 100% of its assets in "index funds," meaning that the funds attempt to track a benchmark index. 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)

Investment Objective. This Investment Portfolio seeks to provide a favorable long-term total return, mainly from capital appreciation.

Investment Strategy. This Investment Portfolio invests 100% of its assets in an “index fund,” meaning that the mutual fund attempts to track a benchmark index. The mutual fund in which this Investment Portfolio is invested is: TIAA-CREF Equity Index Fund.

 


International Equity Index (Risk level - Aggressive)

Investment Objective. This Investment Portfolio seeks to provide favorable long-term growth, mainly from capital appreciation.

Investment Strategy. This Investment Portfolio invests 100% of its assets in an “index fund,” meaning that the mutual fund attempts to track a benchmark index. The mutual fund in which this Investment Portfolio is invested is: Vanguard Total International Stock Index Fund.


Social Choice (Risk level - Aggressive)

Investment Objective. This Investment Portfolio seeks to provide a favorable long-term total return.

Investment Strategy. This Investment Portfolio invests 100% of its assets in one mutual fund that invests primarily in equity securities. The mutual fund in which this Investment Portfolio is invested is: TIAA-CREF Social Choice Equity Fund.


Fixed Income Index (Risk level - Moderate)

Investment Objective. This Investment Portfolio seeks to provide a moderate long-term rate of return primarily through current income.

Investment Strategy. This Investment Portfolio invests 100% of its assets in an “index fund,” meaning that the fund attempts to track a benchmark index. The mutual fund in which this Investment Portfolio is invested is: TIAA-CREF Bond Index Fund.


Money Market (Risk level - Conservative)

Investment Objective. This Investment Portfolio seeks to provide current income consistent with preservation of capital.

Investment Strategy. This Investment Portfolio invests 100% of its assets in a money market mutual fund. The mutual fund in which this Investment Portfolio is invested is: TIAA-CREF Money Market Fund.


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

Investment Objective. This Investment Portfolio seeks to preserve capital and provide a stable return.

Investment Strategy. The assets in this Investment Portfolio are allocated to a funding agreement issued by TIAA-CREF Life, which is an affiliate of the Plan Manager, to the Board as the policyholder on behalf of the Plan. The funding agreement provides a minimum guaranteed rate of return on the amounts allocated to it by the Investment Portfolio. The minimum interest rate will be neither less than 1% nor greater than 3% at any time. The guarantee is made by the insurance company to the policyholder, not to Account Owners. In addition to the guaranteed rate of interest to the policyholder, the funding agreement allows for the possibility that additional interest may be credited as declared periodically by TIAA-CREF Life. 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. The current effective annual interest rate applicable to the funding agreement will be posted on the Plan’s website.

Transfers from the Principal Plus Interest Portfolio to the Money Market Portfolio are not permitted. If this restriction changes, you will be notified prior to the effective date of this change.

The funding agreement to which this Investment Portfolio is allocated is: TIAA-CREF Life Ins. Co. Funding Agreement.

Effective April 1, 2015, contributions received, and accumulations arising from such contributions, under the Funding Agreement for the Principal Plus Interest Portfolio as of March 31, 2015 will be credited to the Board with an effective annual interest rate of 1.30% and are guaranteed to earn this rate through March 31, 2016, subject to the claims paying ability of TIAA-CREF Life.



Reflects current allocations for all investment options. Allocations are reviewed and adjusted periodicially.

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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