The Lowdown on Our Lineup
Each client’s financial circumstances are different
No matter how much your clients need to save, or how long they have, Scholars Choice has an investment option to help them reach their college goals.
Age-Based options and Years to Enrollment Portfolios automatically get more conservative over time.
Age-Based — The allocation is determined based on the age of the Beneficiary.
- Age-Based: 0-3
- Age-Based: 4-6
- Age-Based: 7-9
- Age-Based: 10-12
- Age-Based: 13-15
- Age-Based: 16-18
- Age-Based: 19 and Up
Years to Enrollment — The allocation is determined based on the number of years to the Beneficiary’s enrollment date.
- Years to Enrollment Option: Less Than One Year
- Years to Enrollment Option: 1-3 Years
- Years to Enrollment Option: 4-6 Years
- Years to Enrollment Option: 7-9 Years
- Years to Enrollment Option: 10-12 Years
The asset allocation will stay the same as long as you remain invested. The investment option can always be exchanged for another — up to twice per calendar year. Choices range from aggressive to conservative.
Want added flexibility to build your own portfolio or complement another strategy by emphasizing a particular asset class? Consider our Individual-Fund options, each of which invests 100% of its assets in a single underlying fund.
IMPORTANT INFORMATION: An investor should consider the Program's investment objectives, risks, charges and expenses before investing. The Program Disclosure Statement, which contains more information, should be read carefully before investing. If an investor and/or an investor's beneficiary are not Colorado taxpayers, they should consider before investing whether their home states offer 529 plans that provide state tax and other benefits only available to state taxpayers investing in such plans.
Investments in the Scholars Choice College Savings Program are not insured by the FDIC or any other government agency and are not deposits or other obligations of any depository institution. Investments are not guaranteed by the State of Colorado, CollegeInvest, QS Investors, LLC, Legg Mason Investor Services, LLC, or Legg Mason, Inc., or its affiliates and are subject to risks, including loss of principal amount invested.
Legg Mason, Inc., its affiliates, and its employees are not in the business of providing tax or legal advice to taxpayers. These materials and any tax-related statements are not intended or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties or complying with any applicable tax laws or regulations. Tax-related statements, if any, may have been written in connection with the “promotion or marketing” of the transaction(s) or matter(s) addressed by these materials, to the extent allowed by applicable law. Any such taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor.
Scholars Choice® is a registered service mark of CollegeInvest. CollegeInvest and the CollegeInvest logo are registered trademarks. Administered and issued by CollegeInvest, State of Colorado. QS Investors, LLC is the Investment Manager and Legg Mason Investor Services, LLC is the primary distributor of interests in the Program; together they serve as Manager of the Program. QS Investors, LLC, ClearBridge Investments, LLC, Brandywine Global Investment Management, LLC, Royce & Associates, LP, Western Asset Management Company, and Legg Mason Investor Services, LLC are Legg Mason, Inc. affiliates. Thornburg Investment Management, Inc. and Templeton Global Advisors Limited are not affiliated with Legg Mason, Inc.
Audited financial statements for the Scholars Choice® College Savings Program, including balance sheets, income statements, cash flow statements, and the Management's Discussion and Analysis (MDA), may be viewed at https://www.collegeinvest.org/about-us/financial-statements or a hard copy may be obtained by calling Scholars Choice at 1-888-572-4652.
An investment in the Cash Reserve Portfolio is not a bank deposit and is not insured or guaranteed by the FDIC or any other governmental agency. There is no assurance that the Cash Reserve Portfolio will be able to maintain the value of its units at $1 per unit. It is possible to lose money by investing in this option. The Cash Reserve Portfolio will not seek capital appreciation and may underperform other investment options.
While the Cash Reserve Portfolio will invest all of its assets in a money market mutual fund and will value its units based on the underlying money market fund share value, the Cash Reserve Portfolio itself is not a money market mutual fund.