Investment Options

When reviewing your investment options, it’s important to consider your comfort level with risk, your time horizon, and your overall savings and financial picture.

To assist as you consider your investment strategy, risk tolerance, and asset allocation – visit our Investor Questionnaire.


Types of Investment Options

Bright Start offers three categories of investment portfolios: Age-Based, Target, and Individual Fund Portfolios. Customize your account to your own investing style, whether its aggressive, moderate, or conservative.
Age-Based PortfoliosAge-Based Portfolios automatically adjust from more aggressive, equity-focused investment allocations when the designated beneficiary is younger, to more conservative, fixed-income and money market-based investment allocations as the designated beneficiary gets older. These adjustments are made automatically as they approach college age. The Bright Start Age-Based Portfolios allow you to select between conservative, moderate, and aggressive investment styles. You also have the diversity and choice to select between an Index Strategy that utilizes Vanguard funds or a Multi-Firm Strategy that utilizes multiple fund families including T. Rowe Price, DFA, Vanguard, Dodge & Cox, and other quality fund families.
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Target PortfoliosBright Start features six different Target Portfolios. In contrast to our Age-Based Portfolios, Target Portfolios remain constant over time, allowing account owners to select a fixed-asset allocation for the life of their account. Each Target Portfolio has a different investment strategy and objective. More aggressive asset allocations feature greater exposure to equity-focused investment funds, while more conservative asset allocations focus primarily on fixed-income and money market investment funds. You also have the diversity and choice to select between an Index Strategy that utilizes Vanguard funds or a Multi-Firm Strategy that utilizes multiple fund families including T. Rowe Price, DFA, Vanguard, Dodge & Cox, and other quality fund families.
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Individual PortfoliosTo provide additional flexibility and choice, Bright Start offers 14 Individual Fund Portfolios. You will be able to select any combination of the Individual Fund Portfolios to design a portfolio to meet your needs, risk tolerance, and investing style.
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