Future Scholar Direct Plan

Future Scholar offers three ways to invest within the Direct plan option. Each way offers a variety of portfolios designed to help meet your college saving goals.

Account owners can choose from the following three ways to invest: an age-based option, a target-allocation option or a single-fund option- whatever strategy works best for you.

Age Based Option

The Automatic Allocation choice allows you to follow an investment strategy that varies based on the age of the child or the number of years remaining before the child is expected to enroll in college. As enrollment in college draws near, the mix of investments in your account automatically shifts from more aggressive equities to more conservative fixed-income and money market mutual funds.The principal value is not guaranteed at any time.

Aggressive

  • Domestic Equities
  • Fixed Income
  • Cash & Cash Equivalents

Moderate

 
  • Domestic Equities
  • Fixed Income
  • Cash & Cash Equivalents

Conservative

 
  • Domestic Equities
  • Fixed Income
  • Cash & Cash Equivalents
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Target-Allocation Option

The Target-Allocation Option allows you to choose among seven target-allocation portfolios ranging from aggressive to more conservative, allowing you to choose a strategy best suited to your investment goals. Unlike the age-based portfolios that shift over time, your investment in an asset-allocation portfolio will remain constant unless you decide to change it.

Asset Allocation Portfolios

 

Portfolio Breakdown Portfolio name

Select to view pricing and performance

 
93% Equities, 7% Fixed Income and Cash
Future Scholar Aggressive Growth
 
83% Equities, 17% Fixed Income and Cash
Future Scholar Growth
 
63% Equities, 37% Fixed Income and Cash
Future Scholar Moderate Growth
 
53% Equities, 47% Fixed Income and Cash
Future Scholar Moderate
 
33% Equities, 67% Fixed Income and Cash
Future Scholar Moderately Conservative
 
17% Equities, 83% Fixed Income and Cash
Future Scholar Conservative
 
100% Fixed Income and Cash
Future Scholar College
  Equities  Fixed Income and Cash
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Single-fund Option

This investment choice allows you to customize a portfolio by selecting from a variety of offerings, each of which invests in a single underlying fund.

Columbia Portfolios

Underlying Funds
Portfolio Name

Select to view pricing and performance

Columbia Large Cap Index Fund Future Scholar Large Cap Index
Columbia Mid Cap Index Fund Future Scholar Mid Cap Index
Columbia Small Cap Index Fund Future Scholar Small Cap Index
Vanguard Developed Markets Index Fund Future Scholar International Equity Index
Vanguard Total Bond Market Index II Fund Future Scholar Bond Index
Vanguard Short-Term Bond Index Fund Future Scholar Short Term Bond Index
iShares TIPS Bond ETF Future Scholar TIPS Bond ETF
CMG Ultra Short Term Bond Fund Future Scholar Ultra Short Term Bond
Branch Banking and Trust (BBT) FDIC insured interest bearing account Future Scholar Bank Deposit
Separately Managed "Stable Value" Account1 Future Scholar Legacy Capital Preservation2

1 This portfolio invests in a separately managed account that invests primarily in book value investment contracts backed by one or more portfolios of short- and intermediate-term investment-grade bonds, Class I shares of Columbia Government Money Market Fund and, with respect to contributions made prior to October 1, 2010, a funding agreement.

2 Although the issuer seeks to preserve the value of the investment at a fixed share price, it is possible to lose money by investing in this portfolio.

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Ready to
get started?

Once you’ve enrolled in Future Scholar, it’s easy to make a contribution. Anyone, including parents, grandparents, or other family and friends, can contribute.

Enroll Gifts