College Savings Plans: Portfolio Options - T. Rowe Price

At T. Rowe Price, we understand one size doesn’t fit all, and each family has unique circumstances, resources, and aspirations. That’s why we offer a broad range of professionally managed investment options. You can choose an Enrollment-Based Portfolio that periodically adjusts to reflect your beneficiary’s expected college entry or choose from five Static Portfolios that maintain a consistent investment allocation over time.

Let us help you find the choice that’s right for you.

  • Enrollment-Based Portfolios
    With this option, you simply choose the portfolio corresponding most closely to the year your beneficiary expects to enter college. Each portfolio is designed by our experts and is invested in a weighted mix of T. Rowe Price mutual funds with your investment time horizon in mind. That means the portfolio starts out more aggressively—when your child is younger—with a heavy concentration in stock mutual funds. As your child approaches college age, investments shift into higher percentages of lower-risk bond and money market mutual funds with the goal of decreasing the volatility of the portfolio.
  • Static Portfolios
    Each of our Static Portfolios invests in a specific asset class using T. Rowe Price mutual funds. Choose one Static Portfolio or allocate your money among several different portfolios. With Static Portfolios, regardless of your beneficiary’s age, our target asset allocations remain unchanged. With this option, you have the flexibility to move your assets to a more conservative or aggressive portfolio. It is important to note that, per IRS regulations, there are limits on the number of times you can change investments each year.

    Each portfolio includes a variety of mutual funds that can help diversify your investments and lower your risk. However, diversification cannot assure a profit or protect against loss in a declining market.

The T. Rowe Price College Savings Plan is offered by the Education Trust of Alaska. You should compare this Plan with any 529 college savings plan offered by your home state or your beneficiary's home state and consider, before investing, any state tax or other benefits that are only available for investments in the home state's plan. Please read the Plan's Disclosure Document, which includes investment objectives, risks, fees, charges and expenses, and other information. You should read the Plan Disclosure Document carefully before investing. For other important legal information, please read the Plan's Privacy Policy. T. Rowe Price Investment Services, Inc., Distributor/Underwriter.