What Does Basic Essay Writing Tips Finishing Touches Mean?

<h1> What Does Basic Essay Writing Tips Finishing Touches Mean? </h1> <h2> The Fundamentals of Basic Essay Writing Tips Finishing Touches You Will have the option to Learn From Beginning Today</h2> <p>If your paper is portraying a procedure, similar to how to make a tremendous chocolate cake, ensure your passages fall organized appropriately. At the point when you make your layout you wish to verify that each passage has the specific amount of proof. Whatever request you settle on, it's basic that the request for your sections bodes well. You may start with an early on section. </p> <p>In here you'll watch models on different subjects in some particular arranging styles and of unmistakable sorts of papers. There are a wide range of sorts of papers. Most expositions can be improved by a comprehensive edit.</p> <h2> Finding Basic Essay Writing Tips Finishing Touches </h2> <p>Thus you are ensured that we're a specialist a rticle composing Service Company. Regardless of the strategic the exposition, verify that you're keen on your subject. Understudies, there's no perfect theme. Discovering how to make an extraordinary paper can seem troublesome, yet it shouldn't be. </p> <h2>The Ultimate Approach for Basic Essay Writing Tips Finishing Touches </h2> <p>With enough preparing, you will be in a situation to finish an exposition in roughly 3 hours. Getting passing marks in graduate school is less complex than you accept. Two or three understudies may turn out to be so on edge about a task they get themselves not ready to compose anything. Very a portion of our understudies reveal to us they can't address that question. </p> <h2>Basic Essay Writing Tips Finishing Touches Fundamentals Explained </h2> <p>Prepare the major structure or skeleton of your paper you will follow. While an exposition is a sizable undertaking, there are heaps of stages an understudy ca n bring which will help separate the errand into sensible segments. In the occasion you need to utilize a diagram, start with composing the theme close to the highest point of the site page. The blueprint can be created anyway you see fit. </p> <h2> The Key to Successful Basic Essay Writing Tips Finishing Touches </h2> <p>Thus, the underlying and preeminent thing that somebody must do is recognize the sort of exposition which is being tended to in the absolute first spot. Regardless of the explanation, in the event that you can't form a task, you must find an exit from your frenzy. The entire thought is to make certain they couldn't imagine anything better than to discover increasingly about what you have. Different understudies compose the presentation after they've composed the most significant body of the paper do whatever feels directly for you just as the bit of work you're writing.</p> <p>Essay composing isn't trying in the occasion you comp rehend what you are engaging in! In here you'll find a great deal of accommodating methodologies on exposition composing process. Composing is fun just if it's your diversion. These days composing turned into a pivotal part for every one of us. </p> <p>The mandates in exposition questions are every now and again very explicit and need you to deal with the inquiry in a given manner. End The end should summarize your significant focuses or offer a keep going look on what you have to state. Along each line, compose the key thoughts that you have concerning your theme, or the key focuses that you might want to make. In case you're still at misfortune with how to make an exceptional exposition, utilizing a specialist to help and exhortation is your absolute best wager. </p> <h2> What You Can Do About Basic Essay Writing Tips Finishing Touches Starting in the Next Five Minutes</h2> <p>You should stick to the specific methodology by methods for your pape r, altering it first and including the completing contacts to make a solid contention. The utilization of the acquaintance is simply with present the subject, to clarify how you understand the inquiry, and depict quickly how you intend to address it. You may utilize all your examination and solid focuses to make the presentation more grounded. Obviously it's insightful to buy exposition help if there's the quality together with convenient transportation. </p> <h2>The Ultimate Basic Essay Writing Tips Finishing Touches Trick </h2> <p>If you must perform article task and might want to do it at first rate level, Essay-Writing-Tips. Set forth plainly, the presentation is the tone setter for the full exposition. Change the article as indicated by that modified arrangement and oppose the tendency to freeze in the middle, destroy this and start once more. While an exposition is a major venture, there are different advances a..</p> <h2> Basic Essay Writin g Tips Finishing Touches Fundamentals Explained </h2> <p>Evaluate every point, contemplate the measure of thoughts you have about doing it. Well there are a couple of the tips which aren't for the most part normal. In the event that the point is given to you, consider intends to guarantee it is fascinating. At last assess the alternatives of your subject, regardless of your theme is ensure which you're keen on doing it. </p> <p>So that you don't should additionally expand any part of the article. It is conceivable to likewise leave from your article for some time and return later to see whether it's as yet legitimate. Composing a paper isn't so difficult when you get its hang. On the off chance that you don't design you are progressively disposed to get lost midway by means of your paper and the. </p> <h2> The Honest to Goodness Truth on Basic Essay Writing Tips Finishing Touches </h2> <p>Among the keys to composing an engaging exposit ion is to deliver a picture in your. It's essential to remember your paper will have precisely the same standard structure paying little heed to what kind of article you're composing interpretive, account, engaging or pugnacious. Fortunately, you don't need to do anything formal when you're attempting to create an article rapidly. Pick a subject which you are certain about, something you can turn into a wow exposition. </p>

Synthesis Essay Topics on Finance - a Quick Introduction

<h1>Synthesis Essay Topics on Finance - a Quick Introduction </h1> <p>Despite the way that the chief parts remain basic in a horde of expositions there keep on being contrasts in the assortment of passages and game plan of body sections. There are a few things to remember while building up your union exposition theme. Non-composed sources are astute for motivation. Your reasons must be handy and intelligent. </p> <p>Along with that will be that the paper should be syntactically right and blunder free. 1 thing that is the most vital in how to form a blend article ap lang is you don't should sum up the source rather you must break down them. It might require a lot of subtleties and proof. Thusly, union articles include amassing numerous components of data together on a specific subject and introduced in a style with respect to the proposition proclamation. </p> <p>More than the time of your individual instructive activity, you might be requeste d to make bounty out of expositions and papers on a significant number of issues, in light of the training schedule. It's consequently essential for managers to improve worker comprehension and familiarity with private tormenting and badgering where they are in a spot to perceive signs that might be occurring in the work environment for an outcome, for instance protests and non-appearance. There are a great deal of purposes behind model absence of responsibility, presence of a particular culture hands on nearness of an unbending way of the executives by the senior businesses along with absence of suitable method for settling clashes in the working environment (Needham 2003). Why the political race technique isn't reasonable. </p> <p>If you despite everything can't place your head into picking a particular subject, EduBirdie is here so as to give you a hand. There are a couple of focuses to consider before settling on a point. It isn't easy to focus on a solitary subject once the alternatives are under no circumstances restricted. Find a solid information concerning the extraordinary you might be endeavoring to locate your English posting paper. </p> <h2> How to Get Started with Synthesis Essay Topics on Finance? </h2> <p>Usually, it's extremely simple to find completely free article, however there exists an extra situation for accepting the paper, which you certainly need to have. The central methodology of the whole article will probably be your postulation attestation. The introduction of your exposition must present your point plainly so the peruser is sure of what he will realize in the rest of the article. You don't have to give assets over the exposition papers you need to get, presently you're ready to download them liberated from interest! </p> <h2> What You Need to Do About Synthesis Essay Topics on Finance</h2> <p>Synthesis likewise includes a decent arrangement of reflection. Innovation mig ht be a positive impact. </p> <h2>Choosing Synthesis Essay Topics on Finance </h2> <p>In abundance of the period inside your instructional exercise work, you're probably going to be requested to make a lot out of articles and papers on a ton of branches of knowledge, in light of the training schedule. The creator demonstrates her words with the help of late examinations. As a result, it tends to be for the most part recommended to attempt to do an acceptable report before settling on a specific help. The top to bottom investigation of the wellbeing condition has brought about the vibe of another treatment. </p> <h2> Type of Synthesis Essay Topics on Finance</h2> <p>Please know that the point should be expansive enough for your benefit with the goal that you will be in a situation to work data uninhibitedly and win a combination of the materials appropriately. A blueprint is similar to the chapter by chapter guide. The term union approa ches to gather information from different sources and make one of a kind substance. A source-by-source structure is effectively the most well known. </p> <h2> Ideas, Formulas and Shortcuts for Synthesis Essay Topics on Finance </h2> <p>You ought to clarify your point and on the off chance that you can do as such, it's conceivable to likewise include your conclusion. A point is excessively tight if there are no adequate recommendations for conversation. Here and there, acquiring a rundown of subjects can be exactly what you need to at long last choose the perfect logical article theme and get composing! It is desirable over pick such a theme which you are now well-familiar of. </p> <p>In any case, a subject for amalgamation paper shouldn't be excessively wide so you could build up an appropriate contention. Moreover, a union exposition must be efficient similarly likewise with some other school papers. Set forth plainly, your blend article won't be fascinating to peruse. Composing a combination paper may give you a difficult second. </p> <h2> Synthesis Essay Topics on Finance - the Story </h2> <p>You will locate an impressive number of techniques online in which students can find articulation papers for nothing out of pocket. An amazing subject will create a distinction in to what extent and exertion that you put toward finishing your endeavor. You may, for example, examine publicizing or parental impact. Regardless of whether you're simply beginning with your on-line business or you're prepared expert, composing and circulating articles is among the best and minimal effort approaches to drive a ton of focused guests to your site. </p> <p>For example, in the event that you need for only a 10-page exposition, you're probably going to genuinely should incorporate only 5 site pages. At the finish of these rundown, you will find connects to a scope of pugnacious sections and expositions. It is deficient to convey a diagram of each watched content. The absolute initial phase in a diagram is to settle on a praiseworthy topic.</p> <h2> Key Pieces of Synthesis Essay Topics on Finance </h2> <p>Needless to state, everything sounds extremely basic and intriguing, however on the off chance that you begin dealing with your examination paper, you face a lot of difficulties. Regularly, there's a touch of rivalry associated with a couple of individuals' psyche on finding the better theory. In reality, you're probably going to be equipped for facilitate alongside the creator on line and visit about your assignments. Over the term of your separate instructive occupation, you might be requested to make a ton out of papers and articles on a few branches of knowledge, in light of the educating program. </p>

How to Write College Essay - Helping Yourself and Others

How to Write College Essay - Helping Yourself and OthersWriting a college essay? Last year was not kind to students in this area. College education is often viewed as being more of a burden than a boon by the adults who should know better and their language and knowledge base is typically limited to, well, nothing.We can change all that! If you are interested in getting involved with helping others take the next step in their college education, there are several resources available to you that can help you get started and get some input from experts on how to write a college essay 2020. In fact, when it comes to how to write a college essay, these are the types of resources that you are looking for.Writing groups, online resources, and opportunities to network with others interested in how to write college essay are all excellent ways to get help in this area. You will be given the opportunity to ask questions of experts, learn what they do, and even connect with others who are on yo ur same level. In addition, it is likely that some resources will have a formal writing program designed to teach you how to create, structure, and present your essay.As you go through your college career, you will find that it is becoming more important to keep up with what is going on in this area, and it is helpful to keep an eye on how to write a college essay on a regular basis. As an example, if you are working as a special education teacher, you can easily access resources that will provide you with suggestions on how to approach this topic. It is also important to stay up to date on new educational development. Technology has allowed learning to be more fun and easier for many, so it is important to stay up to date on what is available.The need for people to know how to write a college essay, stay current and make the most of their time on campus is one that is still here. While many people may feel that it is a burden, the opposite is true. For those who truly want to help themselves and those around them, knowing how to write college essay requires an education that is two-fold. In addition, it requires commitment, time, and attention.Although you will be able to write an essay yourself, in general, many colleges do not offer essay services because the college expects you to write your own essays, which would be detrimental to a college education. However, if you are pressed for time, or would like to learn more about how to write a college essay, some resources might be willing to work with you and help you write your own essay.Some of the things that the experts that students can learn include better grammar, how to effectively and persuasively answer question and present points, and how to organize information into a cohesive composition. In addition, they are taught how to discuss multiple viewpoints and view points, and how to discuss different subjects within the frame of an overall theme. The need for individuals to know how to write college e ssay is likely to remain as an ongoing problem, as the college becomes increasingly competitive in today's world.How to write a college essay will never be a problem if you just become committed to learning and putting in the work. There are plenty of tools available that will help you achieve your goals, and you can use them to make writing your own college essay a fun experience that you will look back on in years to come with great fondness.

Savingforcollege.coms Age-based Allocation Study (nov 2008)

The following is a recap of the age-based approach for older beneficiaries (ages 17 and up) in direct-sold 529 plans. The summary groupings are based on the allocation to stocks for the final step of the age-based progression, i.e. for the oldest beneficiaries. Please note that this discussion does not focus on the split between bonds, money market, and other types of fixed-income investments, although the choice of fixed-income investments will also influence the risk profile of the portfolio. For detailed data by plan, please click HERE. Under 15% in stocks Louisiana and Florida have two of the lowest-risk 529 plans, with the stock percentage set at 0% for beneficiaries age 16 and older. Virginia's VEST program moves to 0% in stocks at age 19. All three plans are internally managed by state agency. Wisconsin's EdVest 529 plan is managed by Wells Fargo and offers three different risk levels, each with a 0% allocation to stocks for in-college beneficiaries. Many of the direct-sold 529 plans managed by Upromise Investments adopt a very conservative investment approach for older beneficiaries. Plans in Arkansas, Colorado, Idaho, Nevada (Upromise 529), Nevada (Vanguard 529), New York, and North Dakota all follow the same formula: a choice between three risk levels where beneficiaries age 19 and older have 0% stock exposure whether they are in the aggressive level, the moderate level, or the conservative level, and even beneficiaries as young as 16 are completely out of the stock market unless they've chosen the aggressive level. Upromise-managed plans in Missouri and Pennsylvania also offer three risk levels but the aggressive and moderate levels provide a bit more exposure to stocks. Hawaii's Upromise-managed plan offers a single age-based track with accounts allocated 0% to stocks, 75% to bonds, and 25% to money market beginning at age 16. The USAA College Savings Plan keeps 10% in stocks for beneficiaries 18 and older. Van Kampen's approach in Alabama is relatively conservative, with only 5% in stocks for those within one year of college. Interestingly, Alabama's plan offers three different risk levels, but all three options apply the exact same allocation for beneficiaries within three years of college. OppenheimerFunds manages four direct-sold plans. Its programs in Illinois (Bright Start), New Mexico and Texas invest 10% in stocks beginning at age 18. Oregon has 0% in stocks for in-college beneficiaries. In the Kansas Learning Quest program, managed by American Century, three different risk levels are offered plus an index-fund track. In all four options, the allocation to stocks drops quite precipitously from 30-40% at age 17 to 0% at age 18. Kansas' Schwab 529 also offers 3 risk levels and they also have 0% in stocks at age 18, although the shift is more gradual. District of Columbia (Calvert) reduces its stock allocation to 13% at age 17 while South Dakota (Allianz) reduces its stock allocation to 8% at age 19. Maine (Merrill Lynch) gets down to 10% in stocks but only when the beneficiary reaches age 20. 15% or more in stocks T. Rowe Price uses a moderate approach in the programs it manages for Alaska and Maryland. Beneficiaries in college have 20% or 26% in stocks, respectively, while the next youngest group (Portfolio 2009) in Alaska has 34% in stocks and in Maryland has 26% in stocks. Fidelity Investments manages direct-sold 529 plans for Arizona, California, Delaware, Massachusetts, and New Hampshire. All offer an actively-managed age-based option and an index-fund age-based option. Either way (active or index), a beneficiary who is in college will have at least 20% invested in stocks, while those in the next youngest group (Portfolio 2009) will have as much as 30% in stocks. West Virginia, with two direct-sold plans, is similar to Fidelity-run programs in its stock weighting. The WV Select program, using funds from Dimensional Fund Advisors (DFA), keeps 20% in stocks at age 19, while the WV Direct program, using Hartford Funds, keeps 30% in stocks at age 19. TIAA-CREF age-based models vary among the eight states they manage. In Connecticut and Georgia, where two risk levels are offered, and in Mississippi and Oklahoma, where a single track is offered, the allocations never go below 20% in stocks. The single-track options in Kentucky, Minnesota, and Vermont are slightly more conservative, with 15% in stocks at age 18, while Michigan offers three risk levels, one matching Minnesota, one slightly more aggressive, and one slightly more conservative. Rhode Island opts for a relatively high weighting in stocks, even for beneficiaries in college. In the Growth age-based option, beneficiaries born before 1993 have 35% in stocks, while the Aggressive Growth age-based option has 40% in stocks. Rhode Island's plan is managed by AllianceBernstein. The direct-sold 529 plans in Indiana (Upromise Investments), New Jersey (Franklin Templeton), and South Carolina (Columbia Management) all offer a single age-based track with low-to-moderate stock exposure ranging from 15% to 25% for older beneficiaries. Wide ranging allocations Some plans offer 4 or more risk levels from which to choose. Iowa's plan, managed by Vanguard, offers four choices ranging from a moderate allocation in Track A to a very conservative allocation in Track D. The College Savings Plan of Nebraska, managed by Union Bank and Trust, has a similar range in its set of four risk levels. Ohio's Vanguard age-based option comes in three relatively-conservative risk levels very similar to those found among Upromise-managed programs in other states. Ohio also offers a Putnam-managed age-based option. The Putnam options have significant variation in stock exposure among its three risk levels. The 529 plan in North Carolina offers the extremes in age-based modeling. With one year to go before college, the Seligman-managed portfolios in North Carolina have 52% in stocks, dropping to 38% for college freshman, and ending at 24% for college sophomores and older. North Carolina also offers The V Fund options (V presumably stands for Vanguard) with three risk levels, the most conservative level having 0% stock exposure at age 18 and the aggressive and moderate levels having 25% stock exposure at that age. Utah's five risk levels are even more diverse. While the most conservative level (Option 9) has no stock exposure beginning at age 16, the most aggressive level (Option 3) has 75% in stocks at age 16 dropping to 65% for beneficiaries in college. The following is a recap of the age-based approach for older beneficiaries (ages 17 and up) in direct-sold 529 plans. The summary groupings are based on the allocation to stocks for the final step of the age-based progression, i.e. for the oldest beneficiaries. Please note that this discussion does not focus on the split between bonds, money market, and other types of fixed-income investments, although the choice of fixed-income investments will also influence the risk profile of the portfolio. For detailed data by plan, please click HERE. Under 15% in stocks Louisiana and Florida have two of the lowest-risk 529 plans, with the stock percentage set at 0% for beneficiaries age 16 and older. Virginia's VEST program moves to 0% in stocks at age 19. All three plans are internally managed by state agency. Wisconsin's EdVest 529 plan is managed by Wells Fargo and offers three different risk levels, each with a 0% allocation to stocks for in-college beneficiaries. Many of the direct-sold 529 plans managed by Upromise Investments adopt a very conservative investment approach for older beneficiaries. Plans in Arkansas, Colorado, Idaho, Nevada (Upromise 529), Nevada (Vanguard 529), New York, and North Dakota all follow the same formula: a choice between three risk levels where beneficiaries age 19 and older have 0% stock exposure whether they are in the aggressive level, the moderate level, or the conservative level, and even beneficiaries as young as 16 are completely out of the stock market unless they've chosen the aggressive level. Upromise-managed plans in Missouri and Pennsylvania also offer three risk levels but the aggressive and moderate levels provide a bit more exposure to stocks. Hawaii's Upromise-managed plan offers a single age-based track with accounts allocated 0% to stocks, 75% to bonds, and 25% to money market beginning at age 16. The USAA College Savings Plan keeps 10% in stocks for beneficiaries 18 and older. Van Kampen's approach in Alabama is relatively conservative, with only 5% in stocks for those within one year of college. Interestingly, Alabama's plan offers three different risk levels, but all three options apply the exact same allocation for beneficiaries within three years of college. OppenheimerFunds manages four direct-sold plans. Its programs in Illinois (Bright Start), New Mexico and Texas invest 10% in stocks beginning at age 18. Oregon has 0% in stocks for in-college beneficiaries. In the Kansas Learning Quest program, managed by American Century, three different risk levels are offered plus an index-fund track. In all four options, the allocation to stocks drops quite precipitously from 30-40% at age 17 to 0% at age 18. Kansas' Schwab 529 also offers 3 risk levels and they also have 0% in stocks at age 18, although the shift is more gradual. District of Columbia (Calvert) reduces its stock allocation to 13% at age 17 while South Dakota (Allianz) reduces its stock allocation to 8% at age 19. Maine (Merrill Lynch) gets down to 10% in stocks but only when the beneficiary reaches age 20. 15% or more in stocks T. Rowe Price uses a moderate approach in the programs it manages for Alaska and Maryland. Beneficiaries in college have 20% or 26% in stocks, respectively, while the next youngest group (Portfolio 2009) in Alaska has 34% in stocks and in Maryland has 26% in stocks. Fidelity Investments manages direct-sold 529 plans for Arizona, California, Delaware, Massachusetts, and New Hampshire. All offer an actively-managed age-based option and an index-fund age-based option. Either way (active or index), a beneficiary who is in college will have at least 20% invested in stocks, while those in the next youngest group (Portfolio 2009) will have as much as 30% in stocks. West Virginia, with two direct-sold plans, is similar to Fidelity-run programs in its stock weighting. The WV Select program, using funds from Dimensional Fund Advisors (DFA), keeps 20% in stocks at age 19, while the WV Direct program, using Hartford Funds, keeps 30% in stocks at age 19. TIAA-CREF age-based models vary among the eight states they manage. In Connecticut and Georgia, where two risk levels are offered, and in Mississippi and Oklahoma, where a single track is offered, the allocations never go below 20% in stocks. The single-track options in Kentucky, Minnesota, and Vermont are slightly more conservative, with 15% in stocks at age 18, while Michigan offers three risk levels, one matching Minnesota, one slightly more aggressive, and one slightly more conservative. Rhode Island opts for a relatively high weighting in stocks, even for beneficiaries in college. In the Growth age-based option, beneficiaries born before 1993 have 35% in stocks, while the Aggressive Growth age-based option has 40% in stocks. Rhode Island's plan is managed by AllianceBernstein. The direct-sold 529 plans in Indiana (Upromise Investments), New Jersey (Franklin Templeton), and South Carolina (Columbia Management) all offer a single age-based track with low-to-moderate stock exposure ranging from 15% to 25% for older beneficiaries. Wide ranging allocations Some plans offer 4 or more risk levels from which to choose. Iowa's plan, managed by Vanguard, offers four choices ranging from a moderate allocation in Track A to a very conservative allocation in Track D. The College Savings Plan of Nebraska, managed by Union Bank and Trust, has a similar range in its set of four risk levels. Ohio's Vanguard age-based option comes in three relatively-conservative risk levels very similar to those found among Upromise-managed programs in other states. Ohio also offers a Putnam-managed age-based option. The Putnam options have significant variation in stock exposure among its three risk levels. The 529 plan in North Carolina offers the extremes in age-based modeling. With one year to go before college, the Seligman-managed portfolios in North Carolina have 52% in stocks, dropping to 38% for college freshman, and ending at 24% for college sophomores and older. North Carolina also offers The V Fund options (V presumably stands for Vanguard) with three risk levels, the most conservative level having 0% stock exposure at age 18 and the aggressive and moderate levels having 25% stock exposure at that age. Utah's five risk levels are even more diverse. While the most conservative level (Option 9) has no stock exposure beginning at age 16, the most aggressive level (Option 3) has 75% in stocks at age 16 dropping to 65% for beneficiaries in college. Savingforcollege.com's Age-based Allocation Study (nov 2008) The following is a recap of the age-based approach for older beneficiaries (ages 17 and up) in direct-sold 529 plans. The summary groupings are based on the allocation to stocks for the final step of the age-based progression, i.e. for the oldest beneficiaries. Please note that this discussion does not focus on the split between bonds, money market, and other types of fixed-income investments, although the choice of fixed-income investments will also influence the risk profile of the portfolio. For detailed data by plan, please click HERE. Under 15% in stocks Louisiana and Florida have two of the lowest-risk 529 plans, with the stock percentage set at 0% for beneficiaries age 16 and older. Virginia's VEST program moves to 0% in stocks at age 19. All three plans are internally managed by state agency. Wisconsin's EdVest 529 plan is managed by Wells Fargo and offers three different risk levels, each with a 0% allocation to stocks for in-college beneficiaries. Many of the direct-sold 529 plans managed by Upromise Investments adopt a very conservative investment approach for older beneficiaries. Plans in Arkansas, Colorado, Idaho, Nevada (Upromise 529), Nevada (Vanguard 529), New York, and North Dakota all follow the same formula: a choice between three risk levels where beneficiaries age 19 and older have 0% stock exposure whether they are in the aggressive level, the moderate level, or the conservative level, and even beneficiaries as young as 16 are completely out of the stock market unless they've chosen the aggressive level. Upromise-managed plans in Missouri and Pennsylvania also offer three risk levels but the aggressive and moderate levels provide a bit more exposure to stocks. Hawaii's Upromise-managed plan offers a single age-based track with accounts allocated 0% to stocks, 75% to bonds, and 25% to money market beginning at age 16. The USAA College Savings Plan keeps 10% in stocks for beneficiaries 18 and older. Van Kampen's approach in Alabama is relatively conservative, with only 5% in stocks for those within one year of college. Interestingly, Alabama's plan offers three different risk levels, but all three options apply the exact same allocation for beneficiaries within three years of college. OppenheimerFunds manages four direct-sold plans. Its programs in Illinois (Bright Start), New Mexico and Texas invest 10% in stocks beginning at age 18. Oregon has 0% in stocks for in-college beneficiaries. In the Kansas Learning Quest program, managed by American Century, three different risk levels are offered plus an index-fund track. In all four options, the allocation to stocks drops quite precipitously from 30-40% at age 17 to 0% at age 18. Kansas' Schwab 529 also offers 3 risk levels and they also have 0% in stocks at age 18, although the shift is more gradual. District of Columbia (Calvert) reduces its stock allocation to 13% at age 17 while South Dakota (Allianz) reduces its stock allocation to 8% at age 19. Maine (Merrill Lynch) gets down to 10% in stocks but only when the beneficiary reaches age 20. 15% or more in stocks T. Rowe Price uses a moderate approach in the programs it manages for Alaska and Maryland. Beneficiaries in college have 20% or 26% in stocks, respectively, while the next youngest group (Portfolio 2009) in Alaska has 34% in stocks and in Maryland has 26% in stocks. Fidelity Investments manages direct-sold 529 plans for Arizona, California, Delaware, Massachusetts, and New Hampshire. All offer an actively-managed age-based option and an index-fund age-based option. Either way (active or index), a beneficiary who is in college will have at least 20% invested in stocks, while those in the next youngest group (Portfolio 2009) will have as much as 30% in stocks. West Virginia, with two direct-sold plans, is similar to Fidelity-run programs in its stock weighting. The WV Select program, using funds from Dimensional Fund Advisors (DFA), keeps 20% in stocks at age 19, while the WV Direct program, using Hartford Funds, keeps 30% in stocks at age 19. TIAA-CREF age-based models vary among the eight states they manage. In Connecticut and Georgia, where two risk levels are offered, and in Mississippi and Oklahoma, where a single track is offered, the allocations never go below 20% in stocks. The single-track options in Kentucky, Minnesota, and Vermont are slightly more conservative, with 15% in stocks at age 18, while Michigan offers three risk levels, one matching Minnesota, one slightly more aggressive, and one slightly more conservative. Rhode Island opts for a relatively high weighting in stocks, even for beneficiaries in college. In the Growth age-based option, beneficiaries born before 1993 have 35% in stocks, while the Aggressive Growth age-based option has 40% in stocks. Rhode Island's plan is managed by AllianceBernstein. The direct-sold 529 plans in Indiana (Upromise Investments), New Jersey (Franklin Templeton), and South Carolina (Columbia Management) all offer a single age-based track with low-to-moderate stock exposure ranging from 15% to 25% for older beneficiaries. Wide ranging allocations Some plans offer 4 or more risk levels from which to choose. Iowa's plan, managed by Vanguard, offers four choices ranging from a moderate allocation in Track A to a very conservative allocation in Track D. The College Savings Plan of Nebraska, managed by Union Bank and Trust, has a similar range in its set of four risk levels. Ohio's Vanguard age-based option comes in three relatively-conservative risk levels very similar to those found among Upromise-managed programs in other states. Ohio also offers a Putnam-managed age-based option. The Putnam options have significant variation in stock exposure among its three risk levels. The 529 plan in North Carolina offers the extremes in age-based modeling. With one year to go before college, the Seligman-managed portfolios in North Carolina have 52% in stocks, dropping to 38% for college freshman, and ending at 24% for college sophomores and older. North Carolina also offers The V Fund options (V presumably stands for Vanguard) with three risk levels, the most conservative level having 0% stock exposure at age 18 and the aggressive and moderate levels having 25% stock exposure at that age. Utah's five risk levels are even more diverse. While the most conservative level (Option 9) has no stock exposure beginning at age 16, the most aggressive level (Option 3) has 75% in stocks at age 16 dropping to 65% for beneficiaries in college. The following is a recap of the age-based approach for older beneficiaries (ages 17 and up) in direct-sold 529 plans. The summary groupings are based on the allocation to stocks for the final step of the age-based progression, i.e. for the oldest beneficiaries. Please note that this discussion does not focus on the split between bonds, money market, and other types of fixed-income investments, although the choice of fixed-income investments will also influence the risk profile of the portfolio. For detailed data by plan, please click HERE. Under 15% in stocks Louisiana and Florida have two of the lowest-risk 529 plans, with the stock percentage set at 0% for beneficiaries age 16 and older. Virginia's VEST program moves to 0% in stocks at age 19. All three plans are internally managed by state agency. Wisconsin's EdVest 529 plan is managed by Wells Fargo and offers three different risk levels, each with a 0% allocation to stocks for in-college beneficiaries. Many of the direct-sold 529 plans managed by Upromise Investments adopt a very conservative investment approach for older beneficiaries. Plans in Arkansas, Colorado, Idaho, Nevada (Upromise 529), Nevada (Vanguard 529), New York, and North Dakota all follow the same formula: a choice between three risk levels where beneficiaries age 19 and older have 0% stock exposure whether they are in the aggressive level, the moderate level, or the conservative level, and even beneficiaries as young as 16 are completely out of the stock market unless they've chosen the aggressive level. Upromise-managed plans in Missouri and Pennsylvania also offer three risk levels but the aggressive and moderate levels provide a bit more exposure to stocks. Hawaii's Upromise-managed plan offers a single age-based track with accounts allocated 0% to stocks, 75% to bonds, and 25% to money market beginning at age 16. The USAA College Savings Plan keeps 10% in stocks for beneficiaries 18 and older. Van Kampen's approach in Alabama is relatively conservative, with only 5% in stocks for those within one year of college. Interestingly, Alabama's plan offers three different risk levels, but all three options apply the exact same allocation for beneficiaries within three years of college. OppenheimerFunds manages four direct-sold plans. Its programs in Illinois (Bright Start), New Mexico and Texas invest 10% in stocks beginning at age 18. Oregon has 0% in stocks for in-college beneficiaries. In the Kansas Learning Quest program, managed by American Century, three different risk levels are offered plus an index-fund track. In all four options, the allocation to stocks drops quite precipitously from 30-40% at age 17 to 0% at age 18. Kansas' Schwab 529 also offers 3 risk levels and they also have 0% in stocks at age 18, although the shift is more gradual. District of Columbia (Calvert) reduces its stock allocation to 13% at age 17 while South Dakota (Allianz) reduces its stock allocation to 8% at age 19. Maine (Merrill Lynch) gets down to 10% in stocks but only when the beneficiary reaches age 20. 15% or more in stocks T. Rowe Price uses a moderate approach in the programs it manages for Alaska and Maryland. Beneficiaries in college have 20% or 26% in stocks, respectively, while the next youngest group (Portfolio 2009) in Alaska has 34% in stocks and in Maryland has 26% in stocks. Fidelity Investments manages direct-sold 529 plans for Arizona, California, Delaware, Massachusetts, and New Hampshire. All offer an actively-managed age-based option and an index-fund age-based option. Either way (active or index), a beneficiary who is in college will have at least 20% invested in stocks, while those in the next youngest group (Portfolio 2009) will have as much as 30% in stocks. West Virginia, with two direct-sold plans, is similar to Fidelity-run programs in its stock weighting. The WV Select program, using funds from Dimensional Fund Advisors (DFA), keeps 20% in stocks at age 19, while the WV Direct program, using Hartford Funds, keeps 30% in stocks at age 19. TIAA-CREF age-based models vary among the eight states they manage. In Connecticut and Georgia, where two risk levels are offered, and in Mississippi and Oklahoma, where a single track is offered, the allocations never go below 20% in stocks. The single-track options in Kentucky, Minnesota, and Vermont are slightly more conservative, with 15% in stocks at age 18, while Michigan offers three risk levels, one matching Minnesota, one slightly more aggressive, and one slightly more conservative. Rhode Island opts for a relatively high weighting in stocks, even for beneficiaries in college. In the Growth age-based option, beneficiaries born before 1993 have 35% in stocks, while the Aggressive Growth age-based option has 40% in stocks. Rhode Island's plan is managed by AllianceBernstein. The direct-sold 529 plans in Indiana (Upromise Investments), New Jersey (Franklin Templeton), and South Carolina (Columbia Management) all offer a single age-based track with low-to-moderate stock exposure ranging from 15% to 25% for older beneficiaries. Wide ranging allocations Some plans offer 4 or more risk levels from which to choose. Iowa's plan, managed by Vanguard, offers four choices ranging from a moderate allocation in Track A to a very conservative allocation in Track D. The College Savings Plan of Nebraska, managed by Union Bank and Trust, has a similar range in its set of four risk levels. Ohio's Vanguard age-based option comes in three relatively-conservative risk levels very similar to those found among Upromise-managed programs in other states. Ohio also offers a Putnam-managed age-based option. The Putnam options have significant variation in stock exposure among its three risk levels. The 529 plan in North Carolina offers the extremes in age-based modeling. With one year to go before college, the Seligman-managed portfolios in North Carolina have 52% in stocks, dropping to 38% for college freshman, and ending at 24% for college sophomores and older. North Carolina also offers The V Fund options (V presumably stands for Vanguard) with three risk levels, the most conservative level having 0% stock exposure at age 18 and the aggressive and moderate levels having 25% stock exposure at that age. Utah's five risk levels are even more diverse. While the most conservative level (Option 9) has no stock exposure beginning at age 16, the most aggressive level (Option 3) has 75% in stocks at age 16 dropping to 65% for beneficiaries in college. Savingforcollege.com's Age-based Allocation Study (nov 2008) The following is a recap of the age-based approach for older beneficiaries (ages 17 and up) in direct-sold 529 plans. The summary groupings are based on the allocation to stocks for the final step of the age-based progression, i.e. for the oldest beneficiaries. Please note that this discussion does not focus on the split between bonds, money market, and other types of fixed-income investments, although the choice of fixed-income investments will also influence the risk profile of the portfolio. For detailed data by plan, please click HERE. Under 15% in stocks Louisiana and Florida have two of the lowest-risk 529 plans, with the stock percentage set at 0% for beneficiaries age 16 and older. Virginia's VEST program moves to 0% in stocks at age 19. All three plans are internally managed by state agency. Wisconsin's EdVest 529 plan is managed by Wells Fargo and offers three different risk levels, each with a 0% allocation to stocks for in-college beneficiaries. Many of the direct-sold 529 plans managed by Upromise Investments adopt a very conservative investment approach for older beneficiaries. Plans in Arkansas, Colorado, Idaho, Nevada (Upromise 529), Nevada (Vanguard 529), New York, and North Dakota all follow the same formula: a choice between three risk levels where beneficiaries age 19 and older have 0% stock exposure whether they are in the aggressive level, the moderate level, or the conservative level, and even beneficiaries as young as 16 are completely out of the stock market unless they've chosen the aggressive level. Upromise-managed plans in Missouri and Pennsylvania also offer three risk levels but the aggressive and moderate levels provide a bit more exposure to stocks. Hawaii's Upromise-managed plan offers a single age-based track with accounts allocated 0% to stocks, 75% to bonds, and 25% to money market beginning at age 16. The USAA College Savings Plan keeps 10% in stocks for beneficiaries 18 and older. Van Kampen's approach in Alabama is relatively conservative, with only 5% in stocks for those within one year of college. Interestingly, Alabama's plan offers three different risk levels, but all three options apply the exact same allocation for beneficiaries within three years of college. OppenheimerFunds manages four direct-sold plans. Its programs in Illinois (Bright Start), New Mexico and Texas invest 10% in stocks beginning at age 18. Oregon has 0% in stocks for in-college beneficiaries. In the Kansas Learning Quest program, managed by American Century, three different risk levels are offered plus an index-fund track. In all four options, the allocation to stocks drops quite precipitously from 30-40% at age 17 to 0% at age 18. Kansas' Schwab 529 also offers 3 risk levels and they also have 0% in stocks at age 18, although the shift is more gradual. District of Columbia (Calvert) reduces its stock allocation to 13% at age 17 while South Dakota (Allianz) reduces its stock allocation to 8% at age 19. Maine (Merrill Lynch) gets down to 10% in stocks but only when the beneficiary reaches age 20. 15% or more in stocks T. Rowe Price uses a moderate approach in the programs it manages for Alaska and Maryland. Beneficiaries in college have 20% or 26% in stocks, respectively, while the next youngest group (Portfolio 2009) in Alaska has 34% in stocks and in Maryland has 26% in stocks. Fidelity Investments manages direct-sold 529 plans for Arizona, California, Delaware, Massachusetts, and New Hampshire. All offer an actively-managed age-based option and an index-fund age-based option. Either way (active or index), a beneficiary who is in college will have at least 20% invested in stocks, while those in the next youngest group (Portfolio 2009) will have as much as 30% in stocks. West Virginia, with two direct-sold plans, is similar to Fidelity-run programs in its stock weighting. The WV Select program, using funds from Dimensional Fund Advisors (DFA), keeps 20% in stocks at age 19, while the WV Direct program, using Hartford Funds, keeps 30% in stocks at age 19. TIAA-CREF age-based models vary among the eight states they manage. In Connecticut and Georgia, where two risk levels are offered, and in Mississippi and Oklahoma, where a single track is offered, the allocations never go below 20% in stocks. The single-track options in Kentucky, Minnesota, and Vermont are slightly more conservative, with 15% in stocks at age 18, while Michigan offers three risk levels, one matching Minnesota, one slightly more aggressive, and one slightly more conservative. Rhode Island opts for a relatively high weighting in stocks, even for beneficiaries in college. In the Growth age-based option, beneficiaries born before 1993 have 35% in stocks, while the Aggressive Growth age-based option has 40% in stocks. Rhode Island's plan is managed by AllianceBernstein. The direct-sold 529 plans in Indiana (Upromise Investments), New Jersey (Franklin Templeton), and South Carolina (Columbia Management) all offer a single age-based track with low-to-moderate stock exposure ranging from 15% to 25% for older beneficiaries. Wide ranging allocations Some plans offer 4 or more risk levels from which to choose. Iowa's plan, managed by Vanguard, offers four choices ranging from a moderate allocation in Track A to a very conservative allocation in Track D. The College Savings Plan of Nebraska, managed by Union Bank and Trust, has a similar range in its set of four risk levels. Ohio's Vanguard age-based option comes in three relatively-conservative risk levels very similar to those found among Upromise-managed programs in other states. Ohio also offers a Putnam-managed age-based option. The Putnam options have significant variation in stock exposure among its three risk levels. The 529 plan in North Carolina offers the extremes in age-based modeling. With one year to go before college, the Seligman-managed portfolios in North Carolina have 52% in stocks, dropping to 38% for college freshman, and ending at 24% for college sophomores and older. North Carolina also offers The V Fund options (V presumably stands for Vanguard) with three risk levels, the most conservative level having 0% stock exposure at age 18 and the aggressive and moderate levels having 25% stock exposure at that age. Utah's five risk levels are even more diverse. While the most conservative level (Option 9) has no stock exposure beginning at age 16, the most aggressive level (Option 3) has 75% in stocks at age 16 dropping to 65% for beneficiaries in college. The following is a recap of the age-based approach for older beneficiaries (ages 17 and up) in direct-sold 529 plans. The summary groupings are based on the allocation to stocks for the final step of the age-based progression, i.e. for the oldest beneficiaries. Please note that this discussion does not focus on the split between bonds, money market, and other types of fixed-income investments, although the choice of fixed-income investments will also influence the risk profile of the portfolio. For detailed data by plan, please click HERE. Under 15% in stocks Louisiana and Florida have two of the lowest-risk 529 plans, with the stock percentage set at 0% for beneficiaries age 16 and older. Virginia's VEST program moves to 0% in stocks at age 19. All three plans are internally managed by state agency. Wisconsin's EdVest 529 plan is managed by Wells Fargo and offers three different risk levels, each with a 0% allocation to stocks for in-college beneficiaries. Many of the direct-sold 529 plans managed by Upromise Investments adopt a very conservative investment approach for older beneficiaries. Plans in Arkansas, Colorado, Idaho, Nevada (Upromise 529), Nevada (Vanguard 529), New York, and North Dakota all follow the same formula: a choice between three risk levels where beneficiaries age 19 and older have 0% stock exposure whether they are in the aggressive level, the moderate level, or the conservative level, and even beneficiaries as young as 16 are completely out of the stock market unless they've chosen the aggressive level. Upromise-managed plans in Missouri and Pennsylvania also offer three risk levels but the aggressive and moderate levels provide a bit more exposure to stocks. Hawaii's Upromise-managed plan offers a single age-based track with accounts allocated 0% to stocks, 75% to bonds, and 25% to money market beginning at age 16. The USAA College Savings Plan keeps 10% in stocks for beneficiaries 18 and older. Van Kampen's approach in Alabama is relatively conservative, with only 5% in stocks for those within one year of college. Interestingly, Alabama's plan offers three different risk levels, but all three options apply the exact same allocation for beneficiaries within three years of college. OppenheimerFunds manages four direct-sold plans. Its programs in Illinois (Bright Start), New Mexico and Texas invest 10% in stocks beginning at age 18. Oregon has 0% in stocks for in-college beneficiaries. In the Kansas Learning Quest program, managed by American Century, three different risk levels are offered plus an index-fund track. In all four options, the allocation to stocks drops quite precipitously from 30-40% at age 17 to 0% at age 18. Kansas' Schwab 529 also offers 3 risk levels and they also have 0% in stocks at age 18, although the shift is more gradual. District of Columbia (Calvert) reduces its stock allocation to 13% at age 17 while South Dakota (Allianz) reduces its stock allocation to 8% at age 19. Maine (Merrill Lynch) gets down to 10% in stocks but only when the beneficiary reaches age 20. 15% or more in stocks T. Rowe Price uses a moderate approach in the programs it manages for Alaska and Maryland. Beneficiaries in college have 20% or 26% in stocks, respectively, while the next youngest group (Portfolio 2009) in Alaska has 34% in stocks and in Maryland has 26% in stocks. Fidelity Investments manages direct-sold 529 plans for Arizona, California, Delaware, Massachusetts, and New Hampshire. All offer an actively-managed age-based option and an index-fund age-based option. Either way (active or index), a beneficiary who is in college will have at least 20% invested in stocks, while those in the next youngest group (Portfolio 2009) will have as much as 30% in stocks. West Virginia, with two direct-sold plans, is similar to Fidelity-run programs in its stock weighting. The WV Select program, using funds from Dimensional Fund Advisors (DFA), keeps 20% in stocks at age 19, while the WV Direct program, using Hartford Funds, keeps 30% in stocks at age 19. TIAA-CREF age-based models vary among the eight states they manage. In Connecticut and Georgia, where two risk levels are offered, and in Mississippi and Oklahoma, where a single track is offered, the allocations never go below 20% in stocks. The single-track options in Kentucky, Minnesota, and Vermont are slightly more conservative, with 15% in stocks at age 18, while Michigan offers three risk levels, one matching Minnesota, one slightly more aggressive, and one slightly more conservative. Rhode Island opts for a relatively high weighting in stocks, even for beneficiaries in college. In the Growth age-based option, beneficiaries born before 1993 have 35% in stocks, while the Aggressive Growth age-based option has 40% in stocks. Rhode Island's plan is managed by AllianceBernstein. The direct-sold 529 plans in Indiana (Upromise Investments), New Jersey (Franklin Templeton), and South Carolina (Columbia Management) all offer a single age-based track with low-to-moderate stock exposure ranging from 15% to 25% for older beneficiaries. Wide ranging allocations Some plans offer 4 or more risk levels from which to choose. Iowa's plan, managed by Vanguard, offers four choices ranging from a moderate allocation in Track A to a very conservative allocation in Track D. The College Savings Plan of Nebraska, managed by Union Bank and Trust, has a similar range in its set of four risk levels. Ohio's Vanguard age-based option comes in three relatively-conservative risk levels very similar to those found among Upromise-managed programs in other states. Ohio also offers a Putnam-managed age-based option. The Putnam options have significant variation in stock exposure among its three risk levels. The 529 plan in North Carolina offers the extremes in age-based modeling. With one year to go before college, the Seligman-managed portfolios in North Carolina have 52% in stocks, dropping to 38% for college freshman, and ending at 24% for college sophomores and older. North Carolina also offers The V Fund options (V presumably stands for Vanguard) with three risk levels, the most conservative level having 0% stock exposure at age 18 and the aggressive and moderate levels having 25% stock exposure at that age. Utah's five risk levels are even more diverse. While the most conservative level (Option 9) has no stock exposure beginning at age 16, the most aggressive level (Option 3) has 75% in stocks at age 16 dropping to 65% for beneficiaries in college. Savingforcollege.com's Age-based Allocation Study (nov 2008) The following is a recap of the age-based approach for older beneficiaries (ages 17 and up) in direct-sold 529 plans. The summary groupings are based on the allocation to stocks for the final step of the age-based progression, i.e. for the oldest beneficiaries. Please note that this discussion does not focus on the split between bonds, money market, and other types of fixed-income investments, although the choice of fixed-income investments will also influence the risk profile of the portfolio. For detailed data by plan, please click HERE. Under 15% in stocks Louisiana and Florida have two of the lowest-risk 529 plans, with the stock percentage set at 0% for beneficiaries age 16 and older. Virginia's VEST program moves to 0% in stocks at age 19. All three plans are internally managed by state agency. Wisconsin's EdVest 529 plan is managed by Wells Fargo and offers three different risk levels, each with a 0% allocation to stocks for in-college beneficiaries. Many of the direct-sold 529 plans managed by Upromise Investments adopt a very conservative investment approach for older beneficiaries. Plans in Arkansas, Colorado, Idaho, Nevada (Upromise 529), Nevada (Vanguard 529), New York, and North Dakota all follow the same formula: a choice between three risk levels where beneficiaries age 19 and older have 0% stock exposure whether they are in the aggressive level, the moderate level, or the conservative level, and even beneficiaries as young as 16 are completely out of the stock market unless they've chosen the aggressive level. Upromise-managed plans in Missouri and Pennsylvania also offer three risk levels but the aggressive and moderate levels provide a bit more exposure to stocks. Hawaii's Upromise-managed plan offers a single age-based track with accounts allocated 0% to stocks, 75% to bonds, and 25% to money market beginning at age 16. The USAA College Savings Plan keeps 10% in stocks for beneficiaries 18 and older. Van Kampen's approach in Alabama is relatively conservative, with only 5% in stocks for those within one year of college. Interestingly, Alabama's plan offers three different risk levels, but all three options apply the exact same allocation for beneficiaries within three years of college. OppenheimerFunds manages four direct-sold plans. Its programs in Illinois (Bright Start), New Mexico and Texas invest 10% in stocks beginning at age 18. Oregon has 0% in stocks for in-college beneficiaries. In the Kansas Learning Quest program, managed by American Century, three different risk levels are offered plus an index-fund track. In all four options, the allocation to stocks drops quite precipitously from 30-40% at age 17 to 0% at age 18. Kansas' Schwab 529 also offers 3 risk levels and they also have 0% in stocks at age 18, although the shift is more gradual. District of Columbia (Calvert) reduces its stock allocation to 13% at age 17 while South Dakota (Allianz) reduces its stock allocation to 8% at age 19. Maine (Merrill Lynch) gets down to 10% in stocks but only when the beneficiary reaches age 20. 15% or more in stocks T. Rowe Price uses a moderate approach in the programs it manages for Alaska and Maryland. Beneficiaries in college have 20% or 26% in stocks, respectively, while the next youngest group (Portfolio 2009) in Alaska has 34% in stocks and in Maryland has 26% in stocks. Fidelity Investments manages direct-sold 529 plans for Arizona, California, Delaware, Massachusetts, and New Hampshire. All offer an actively-managed age-based option and an index-fund age-based option. Either way (active or index), a beneficiary who is in college will have at least 20% invested in stocks, while those in the next youngest group (Portfolio 2009) will have as much as 30% in stocks. West Virginia, with two direct-sold plans, is similar to Fidelity-run programs in its stock weighting. The WV Select program, using funds from Dimensional Fund Advisors (DFA), keeps 20% in stocks at age 19, while the WV Direct program, using Hartford Funds, keeps 30% in stocks at age 19. TIAA-CREF age-based models vary among the eight states they manage. In Connecticut and Georgia, where two risk levels are offered, and in Mississippi and Oklahoma, where a single track is offered, the allocations never go below 20% in stocks. The single-track options in Kentucky, Minnesota, and Vermont are slightly more conservative, with 15% in stocks at age 18, while Michigan offers three risk levels, one matching Minnesota, one slightly more aggressive, and one slightly more conservative. Rhode Island opts for a relatively high weighting in stocks, even for beneficiaries in college. In the Growth age-based option, beneficiaries born before 1993 have 35% in stocks, while the Aggressive Growth age-based option has 40% in stocks. Rhode Island's plan is managed by AllianceBernstein. The direct-sold 529 plans in Indiana (Upromise Investments), New Jersey (Franklin Templeton), and South Carolina (Columbia Management) all offer a single age-based track with low-to-moderate stock exposure ranging from 15% to 25% for older beneficiaries. Wide ranging allocations Some plans offer 4 or more risk levels from which to choose. Iowa's plan, managed by Vanguard, offers four choices ranging from a moderate allocation in Track A to a very conservative allocation in Track D. The College Savings Plan of Nebraska, managed by Union Bank and Trust, has a similar range in its set of four risk levels. Ohio's Vanguard age-based option comes in three relatively-conservative risk levels very similar to those found among Upromise-managed programs in other states. Ohio also offers a Putnam-managed age-based option. The Putnam options have significant variation in stock exposure among its three risk levels. The 529 plan in North Carolina offers the extremes in age-based modeling. With one year to go before college, the Seligman-managed portfolios in North Carolina have 52% in stocks, dropping to 38% for college freshman, and ending at 24% for college sophomores and older. North Carolina also offers The V Fund options (V presumably stands for Vanguard) with three risk levels, the most conservative level having 0% stock exposure at age 18 and the aggressive and moderate levels having 25% stock exposure at that age. Utah's five risk levels are even more diverse. While the most conservative level (Option 9) has no stock exposure beginning at age 16, the most aggressive level (Option 3) has 75% in stocks at age 16 dropping to 65% for beneficiaries in college. The following is a recap of the age-based approach for older beneficiaries (ages 17 and up) in direct-sold 529 plans. The summary groupings are based on the allocation to stocks for the final step of the age-based progression, i.e. for the oldest beneficiaries. Please note that this discussion does not focus on the split between bonds, money market, and other types of fixed-income investments, although the choice of fixed-income investments will also influence the risk profile of the portfolio. For detailed data by plan, please click HERE. Under 15% in stocks Louisiana and Florida have two of the lowest-risk 529 plans, with the stock percentage set at 0% for beneficiaries age 16 and older. Virginia's VEST program moves to 0% in stocks at age 19. All three plans are internally managed by state agency. Wisconsin's EdVest 529 plan is managed by Wells Fargo and offers three different risk levels, each with a 0% allocation to stocks for in-college beneficiaries. Many of the direct-sold 529 plans managed by Upromise Investments adopt a very conservative investment approach for older beneficiaries. Plans in Arkansas, Colorado, Idaho, Nevada (Upromise 529), Nevada (Vanguard 529), New York, and North Dakota all follow the same formula: a choice between three risk levels where beneficiaries age 19 and older have 0% stock exposure whether they are in the aggressive level, the moderate level, or the conservative level, and even beneficiaries as young as 16 are completely out of the stock market unless they've chosen the aggressive level. Upromise-managed plans in Missouri and Pennsylvania also offer three risk levels but the aggressive and moderate levels provide a bit more exposure to stocks. Hawaii's Upromise-managed plan offers a single age-based track with accounts allocated 0% to stocks, 75% to bonds, and 25% to money market beginning at age 16. The USAA College Savings Plan keeps 10% in stocks for beneficiaries 18 and older. Van Kampen's approach in Alabama is relatively conservative, with only 5% in stocks for those within one year of college. Interestingly, Alabama's plan offers three different risk levels, but all three options apply the exact same allocation for beneficiaries within three years of college. OppenheimerFunds manages four direct-sold plans. Its programs in Illinois (Bright Start), New Mexico and Texas invest 10% in stocks beginning at age 18. Oregon has 0% in stocks for in-college beneficiaries. In the Kansas Learning Quest program, managed by American Century, three different risk levels are offered plus an index-fund track. In all four options, the allocation to stocks drops quite precipitously from 30-40% at age 17 to 0% at age 18. Kansas' Schwab 529 also offers 3 risk levels and they also have 0% in stocks at age 18, although the shift is more gradual. District of Columbia (Calvert) reduces its stock allocation to 13% at age 17 while South Dakota (Allianz) reduces its stock allocation to 8% at age 19. Maine (Merrill Lynch) gets down to 10% in stocks but only when the beneficiary reaches age 20. 15% or more in stocks T. Rowe Price uses a moderate approach in the programs it manages for Alaska and Maryland. Beneficiaries in college have 20% or 26% in stocks, respectively, while the next youngest group (Portfolio 2009) in Alaska has 34% in stocks and in Maryland has 26% in stocks. Fidelity Investments manages direct-sold 529 plans for Arizona, California, Delaware, Massachusetts, and New Hampshire. All offer an actively-managed age-based option and an index-fund age-based option. Either way (active or index), a beneficiary who is in college will have at least 20% invested in stocks, while those in the next youngest group (Portfolio 2009) will have as much as 30% in stocks. West Virginia, with two direct-sold plans, is similar to Fidelity-run programs in its stock weighting. The WV Select program, using funds from Dimensional Fund Advisors (DFA), keeps 20% in stocks at age 19, while the WV Direct program, using Hartford Funds, keeps 30% in stocks at age 19. TIAA-CREF age-based models vary among the eight states they manage. In Connecticut and Georgia, where two risk levels are offered, and in Mississippi and Oklahoma, where a single track is offered, the allocations never go below 20% in stocks. The single-track options in Kentucky, Minnesota, and Vermont are slightly more conservative, with 15% in stocks at age 18, while Michigan offers three risk levels, one matching Minnesota, one slightly more aggressive, and one slightly more conservative. Rhode Island opts for a relatively high weighting in stocks, even for beneficiaries in college. In the Growth age-based option, beneficiaries born before 1993 have 35% in stocks, while the Aggressive Growth age-based option has 40% in stocks. Rhode Island's plan is managed by AllianceBernstein. The direct-sold 529 plans in Indiana (Upromise Investments), New Jersey (Franklin Templeton), and South Carolina (Columbia Management) all offer a single age-based track with low-to-moderate stock exposure ranging from 15% to 25% for older beneficiaries. Wide ranging allocations Some plans offer 4 or more risk levels from which to choose. Iowa's plan, managed by Vanguard, offers four choices ranging from a moderate allocation in Track A to a very conservative allocation in Track D. The College Savings Plan of Nebraska, managed by Union Bank and Trust, has a similar range in its set of four risk levels. Ohio's Vanguard age-based option comes in three relatively-conservative risk levels very similar to those found among Upromise-managed programs in other states. Ohio also offers a Putnam-managed age-based option. The Putnam options have significant variation in stock exposure among its three risk levels. The 529 plan in North Carolina offers the extremes in age-based modeling. With one year to go before college, the Seligman-managed portfolios in North Carolina have 52% in stocks, dropping to 38% for college freshman, and ending at 24% for college sophomores and older. North Carolina also offers The V Fund options (V presumably stands for Vanguard) with three risk levels, the most conservative level having 0% stock exposure at age 18 and the aggressive and moderate levels having 25% stock exposure at that age. Utah's five risk levels are even more diverse. While the most conservative level (Option 9) has no stock exposure beginning at age 16, the most aggressive level (Option 3) has 75% in stocks at age 16 dropping to 65% for beneficiaries in college.