These eight portfolios include a mix of stock, bond, and money market* mutual funds. They start out more aggressively - when your child is younger - with a heavy concentration in stock mutual funds. As your child approaches college age, they shift into higher percentages of lower-risk bond and money market mutual funds, with the goal of protecting what you've earned.
If your child is 15 years or more from college, for example, the portfolio would be 100% stocks to maximize growth potential. As college enrollment draws closer, stock funds are gradually reduced in each portfolio. Bond and money market funds - which are designed to be lower-risk investments - are mixed in and can offer more stability for your investment.
In the chart below, you'll see how each portfolio is designated according to the year in which your child would enter college. Portfolios range from the most aggressive, "Portfolio 2030," to the most conservative, "Portfolio for College," which assumes the student is already attending college or is enrolling in two years or less.
All portfolios are professionally managed by T. Rowe Price, feature low fees, and can be used at nearly any college in the country.
*An investment in a money market fund is not insured or guaranteed by the FDIC or any other government agency. Although the money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money in the fund.

The target asset allocation depicted for the Enrollment-Based Portfolios is as of third quarter 2010. Asset allocations for each portfolio will vary and me be higher or lower than this example. Please refer to the Plan Disclosure Document for portfolio asset allocation details. For the most current target allocation, please call 1-800-478-0003 to speak with a customer service representative.
