You choose your path. We'll help you pave the way to savings.
The NEST Advisor Plan makes it easy. Together with your financial advisor, you can select options to fit your risk tolerance, time frame and savings goals. Plus, if market conditions or your investment strategy changes, your financial advisor can help you make adjustments to your NEST plan.
With more than 100 years of investing experience, our experts have selected a diverse lineup of underlying funds from well-respected companies including American Funds, Dimensional Fund Advisors, Vanguard and iShares, just to name a few. See the underlying funds
There are three paths to investing with NEST: Age-Based Options, Static Options and Individual Options.
Age Based Investment Options
Each Age-Based Investment Option contains an allocation of assets among domestic equity, real estate, international equity, international bond, fixed income and money market underlying investments. Contributions are placed into a portfolio according to the beneficiary's age, with an asset allocation that best represents the amount of time until the money will be used for college. These allocations adjust automatically over time, becoming more conservative as your child reaches college age. Each Age-Based Investment Option has nine portfolios: Ages 0-2, 3-5, 6-8, 9-10, 11-12, 13-14, 15-16, 17-18, 19+ - each having a more conservative allocation than the previous portfolio. At ages 3, 6, 9, 11, 13, 15, 17, 19 the account moves to the next portfolio one month after the beneficiary has reached the first age of the next portfolio.
Static Investment Options
Static Investment Options offer a fixed allocation throughout the life of your account. Unlike Age-Based Investment Options, Static Investment Options do not shift to a more conservative allocation mix as your child approaches college enrollment.
Working with your financial advisor and discussing your goals and risk tolerance can help you choose which Static Investment Option- All Equity, Growth, Moderate Growth, Balanced, Conservative, or Bank Savings (FDIC Insured) is most appropriate for you.
Individual Investment Options
You can select one or more of the 19 Individual Investment Options from well-respected investment managers including the Bank Savings Static Option (an FDIC-insured option) to create a customized allocation portfolio. Account owners do not own shares of the underlying investments directly or, in the case of the Bank Savings Static Option, directly hold a savings account, but rather own an interest in the Individual Investment Options offered by the NEST Advisor Plan.
Account owners do not own shares of the underlying investments, or, in the case of the Bank Savings Investment Option, directly hold a savings account, but rather own an interest in the Individual Investment Options offered by the NEST Advisor Plan.
Except for the Bank Savings Investment Option, the performance of each Individual Investment Option may be more volatile than Age-Based or Static Investment Options.