Investment Options

Bright Start offers a range of portfolios designed to fit your savings goals, financial situation and risk tolerance. You can choose from a number of investment options like Age Based portfolios, Choice Based portfolios, or any combination of the two in order to meet your investment objectives. Learn more about these options using the charts and groups below.

View Your Investment Options:

Choose which portfolio you'd like to learn more about.

Age Based Portfolios

With an Age Based Portfolio, your account is placed in one of six portfolios, based on the beneficiary’s age and automatically adjusts over time. The asset allocation of the portfolio aims to be more aggressive when the beneficiary is younger, and grow more conservative as the beneficiary grows older.

Bright Start offers two approaches for its Age Based portfolios: Blended investments and Index investments.

  • Blended Strategy — The blended strategy offers a combination of index and actively managed investments in one portfolio. Actively managed investments are designed to generate returns that attempt to beat a major market index over the long term.
  • Index Strategy — This strategy is designed to generate returns that mirror the performance of a major market index (like the S&P 500) over the long term. However, transaction costs and other expenses are lower because the portfolio is not actively managed.
Table: Age Based Portfolios
  Blended Strategy Index Strategy Portfolio Objective
Age Based 0-6 Years Portfolio Blended Strategy 0 - 6 Years Portfolio Index Strategy 0 - 6 Years Portfolio Seeks long-term growth by investing primarily in equity investments. A percentage of assets are invested in fixed income investments to help provide some protection from equity volatility.
Age Based 7-9 Years Portfolio Blended Strategy 7 - 9 Years Portfolio Index Strategy 7 - 9 Years Portfolio Seeks growth by investing in an allocation weighted toward equity investments verses fixed income and money market investments.
Age Based 10-11 Years Portfolio Blended Strategy 10 - 11 Years Portfolio Index Strategy 10 - 11 Years Portfolio Seeks moderate growth by investing in a balanced asset allocation slightly weighted toward equity investments over fixed income and money market investments.
Age Based 12-14 Years Portfolio Blended Strategy 12 - 14 Years Portfolio Index Strategy 12 - 14 Years Portfolio Seeks moderate growth by investing in a balanced asset allocation weighted equally between equity investments and fixed income and money market investments.
Age Based 15-17 Years Portfolio Blended Strategy 15 - 17 Years Portfolio Index Strategy 15 - 17 Years Portfolio Seeks conservative growth by investing in an asset allocation weighted between fixed income and money market investments and equity investments.
Age Based 18+ Years Portfolio Blended Strategy 18 Years Portfolio Index Strategy 18 Years Portfolio Seeks preservation of capital with minimal growth by investing primarily in fixed income and money market investments to help maintain stability.
  • Equity
  • Fixed Income
  • Money Market

Choice Based Portfolios

Investing in any of the following Choice Based Portfolios means exercising more control over your account. Unlike the Age Based Portfolios, the asset allocation of the Choice Based Portfolios remains constant. Choose the portfolio, or portfolios, that are suitable for your goals and risk tolerance. And if your goals or needs change, you can allocate future contributions to different portfolios.

(Note: You may adjust your allocations for money previously invested twice per year, but you may allocate new contributions among any combination of available investment options.)

Bright Start offers two approaches in its Choice Based portfolios: Blended investments and Index investments.

  • Blended Strategy The blended strategy offers a combination of index and actively managed investments in one portfolio. Actively managed investments are designed to generate returns that attempt to beat a major market index over the long term.
  • Index Strategy This strategy is designed to generate returns that mirror the performance of a major market index (like the S&P 500) over the long term. However, transaction costs and other expenses are lower because the portfolio is not actively managed.
Table: Choice Based Portfolios
  Blended Strategy Index Strategy Portfolio Objective
Equity Portfolio Blended Strategy Equity Portfolio Index Strategy Equity Portfolio Seeks long-term capital appreciation by investing all of its assets in equity investments.
Balanced Portfolio Blended Strategy Balanced Portfolio Index Strategy Balanced Portfolio Seeks moderate growth by investing in a balanced asset allocation weighted between equity investments and fixed income and money market investments.
Fixed Income Portfolio Blended Strategy Fixed Income Portfolio Index Strategy Fixed Income Portfolio Seeks current income by investing primarily in investment-grade bonds and U.S. Government securities.
Conservative Fixed Income Portfolio Conservative Fixed Income Portfolio   Seeks total return by investing primarily in short-term government securities.
Money Market Portfolio Blended Strategy Money Market Portfolio   Seeks preservation of capital by investing all of its assets in a money market mutual fund.
  • Equity
  • Fixed Income
  • Money Market
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