Age-Based Investment Options

Age-based investment options are designed to take into account the beneficiary’s age and the number of years before the beneficiary is expected to attend an eligible educational institution. The account balance is automatically reallocated to be weighted more in bonds and/or the FDIC-insured savings account as the beneficiary approaches college-enrollment age.

UESP offers the following age-based investment options. Click on the investment option name for more information about each.

Age-Based Aggressive Growth: This investment option includes the highest allocations to mid- and small-cap stock funds.
Age-Based Growth: This investment option allocates money into a stock index fund, bond funds, and the FDIC-insured savings account.
Age-Based Moderate: This investment option includes high allocations to domestic stock index funds and an international stock index fund.
Age-Based Conservative: This investment option begins with a higher bond fund allocation to two bond funds.

Click here to view the current UESP Asset Allocation Table.

The following table shows the underlying investment allocations for each age-based investment option, effective August 15, 2011:

AGE-BASED INVESTMENT OPTIONS	Ticker Symbol	Beneficiary Age Brackets and Allocations
AGE-BASED INVESTMENT OPTIONS	Ticker Symbol	Age 0–3	Age 4–6	Age 7–9	Age 10–12	Age 13–15	Age 16–18	Age 19+ or College Enrolled¹

AGE-BASED AGGRESSIVE GROWTH (Formerly Option 7: Diversified—A)
Domestic Equity
Insitutional Index Fund	VIIIX	50%	50%	40%	30%	20%	10%
Mid-Cap Index Fund	VMCPX	20%	20%	16%	12%	8%	4%
Small-Cap Index Fund	VSCPX	20%	20%	16%	12%	8%	4%
International Equity
Total International Stock Index Fund	VTPSX	10%	10%	8%	6%	4%	2%
Fixed Income
Total Bond Market Index Fund	VBMPX			12%	20%	15%	10%
Short-Term Investment-Grade Fund	VFSIX			8%	20%	30%	40%
Cash Equivalent
FDIC-Insured Savings Account²	N/A					15%	30%	100%
	Total	100%	100%	100%	100%	100%	100%	100%

AGE-BASED GROWTH (Formerly Option 2: S&P, Bonds, Savings)
Domestic Equity
Total Stock Market Index Fund	VITPX	95%	85%	75%	65%	50%	25%
Fixed Income
Total Bond Market Index Fund	VBMPX	5%	10%	13%	15%	10%	10%
Short-Term Investment-Grade Fund	VFSIX		5%	12%	20%	25%	35%
Cash Equivalent
FDIC-Insured Savings Account²	N/A					15%	30%	100%
	Total	100%	100%	100%	100%	100%	100%	100%

AGE-BASED MODERATE (Formerly Option 8: Diversified—B)
Domestic Equity
Insitutional Index Fund	VIIIX	40%	35%	30%	25%	20%	15%
Mid-Cap Index Fund	VMCPX	8%	7%	6%	5%	4%	3%
Small-Cap Index Fund	VSCPX	8%	7%	6%	5%	4%	3%
International Equity
Total International Stock Index Fund	VTPSX	24%	21%	18%	15%	12%	9%
Fixed Income
Total Bond Market Index Fund	VBMPX	15%	20%	20%	20%	15%	10%
Short-Term Investment-Grade Fund	VFSIX	5%	10%	20%	30%	30%	30%
Cash Equivalent
FDIC-Insured Savings Account²	N/A					15%	30%	100%
	Total	100%	100%	100%	100%	100%	100%	100%

AGE-BASED CONSERVATIVE (Formerly Option 9: Diversified—Bonds)
Domestic Equity
Insitutional Index Fund	VIIIX	25%	20%	15%	10%	5%
Mid-Cap Index Fund	VMCPX	7.5%	6%	4.5%	3%	1.5%
Small-Cap Index Fund	VSCPX	7.5%	6%	4.5%	3%	1.5%
International Equity
Total International Stock Index Fund	VTPSX	10%	8%	6%	4%	2%
Fixed Income
Total Bond Market Index Fund	VBMPX	25%	20%	20%	15%	10%	10%
Short-Term Investment-Grade Fund	VFSIX	25%	35%	40%	50%	45%	45%
Cash Equivalent
FDIC-Insured Savings Account²	N/A		5%	10%	15%	35%	45%	100%
	Total	100%	100%	100%	100%	100%	100%	100%

UESP will reallocate the funds to the Age 19+ or College Enrolled age bracket on age-based accounts when a qualified withdrawal request is submitted by the account owner/agent indicating that the beneficiary is enrolled in an eligible educational institution or when the beneficiary turns age 19, whichever comes first.
Contributions made to the underlying FDIC-Insured savings account are held in trust by UESP at Zions First National Bank (Bank). Funds in the savings account are insured by the FDIC on a pass-through basis to each account owner up to the maximum amount set by federal law, which is $250,000. The amount of FDIC insurance provided to an account owner is based on the total of (1) the value of an account owner's investment in the FDIC-Insured savings account plus (2) the value of other accounts held (if any) at the Bank, as determined by the Bank and by FDIC regulations.

The assets in each account will be rebalanced annually on the beneficiary’s birthday (or next available business day) to retain the targeted asset allocation for a particular age bracket within an investment option and when reallocated to a new age bracket based on the beneficiary’s age.

Account owners/agents should carefully consider the risks associated with each underlying investment before making an investment option selection. Please carefully read the UESP Program Description before investing in UESP.