CHOOSE YOUR PATH. ENSURE THEIR FUTURE.

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1 CHOOSE YOUR PATH. ENSURE THEIR FUTURE. Investment Option Basics An overview of the CollegeAdvantage Direct 529 Savings Plan investment options.

2 TABLE OF CONTENTS CHOOSE YOUR APPROACH...1 KNOW YOUR GOALS...2 READY-MADE, AGE-BASED OPTIONS...3 RISK-BASED OPTIONS...7 CAPITAL PRESERVATION (CASH) & FIXED-INCOME (BONDS) OPTIONS...8 BALANCED OPTION (STOCK/BOND MIX)...9 U.S. EQUITY OPTIONS (STOCKS)...10 NON-U.S. EQUITY OPTIONS (STOCKS)...11 BANK OPTIONS...12

3 CHOOSE YOUR APPROACH READY-MADE OR DO IT YOURSELF. NEW TO INVESTING? Don t feel overwhelmed if you are new to investing, but ready to start saving today. The CollegeAdvantage Direct Plan offers several ready-made, professionally managed options along with all of our individual options for college savers, just like you. Don t wait. Get started today. READY-MADE MAKES IT EASY You can choose from three age-based options based on your risk tolerance, or our custom aged-based solution, all of which automatically diversify to an appropriate mix of investments as your child ages. (See pages 3-6.) WANT TO DO IT YOURSELF? If you prefer a more hands-on approach to investing, you can build your own college savings portfolio. Individual options include an assortment of stock, bond, and cash options, as well as low-risk, FDIC-insured savings accounts and certificates of deposit. (See pages 7-12.) LEARN MORE Continue reading for additional details about all of these options. Whether you take the ready-made approach or choose the do-it-yourself way, it s your choice, and it s easy to get started today. PROFESSIONALLY MANAGED OPTIONS To provide you with high-quality, low-cost investment options to help you reach your college savings goals, CollegeAdvantage investment options are managed by the following leading financial institutions: This brochure provides an overview of investment options. Before opening an account, please read the CollegeAdvantage Direct 529 Savings Plan Offering Statement and Participation Agreement available at The Offering Statement provides a detailed disclosure of the Direct Plan including investment options, risks, and costs. 1

4 KNOW YOUR GOALS BEFORE YOU DECIDE, CONSIDER YOUR GOALS. When saving for college, it is smart to first determine your goals. With your goals in mind, you can then select options and diversify your portfolio to meet your needs. Whether you choose the ready-made, age-based options or the do-it-yourself approach, you should begin by asking yourself these four questions: 1 Remember, the sooner you start, the more time you have to save. Even small contributions add up to big savings when invested regularly. 2 Use our online risk tolerance tool to help identify your preference. ( 3 4 At this point in time, it may be difficult to predict which school or degree program might interest your child in the future. That s okay. Use our online college cost calculator to get an estimate of costs. ( This is a personal decision that will guide your investment strategy. Some parents want to save enough to pay all college costs, while others feel their children should share some of the costs themselves.

5 READY-MADE, AGE-BASED OPTIONS YOUR CHILDREN CHANGE AS THEY GROW. SO DOES YOUR PORTFOLIO. The CollegeAdvantage age-based options are the simplest of all our Direct Plan investment options. We call them ready-made because the asset mix and allocation milestones are pre-determined. They are designed to take into account your child s age and the number of years before he or she attends college. As your child grows, your portfolio shifts from growth to lower risk options. This is achieved by reallocating the asset mix each time the beneficiary reaches set age intervals, from a mix weighted toward equity (stocks) to a mix weighted toward fixed-income (bonds) and money market funds. Our age-based options are our most popular because they offer a longterm investment plan and an easy way to begin saving for college. 3 *Please refer to our CollegeAdvantage Direct Plan Offering Statement and Participation Agreement available at for a detailed disclosure of age-based options, their underlying funds, and allocations.

6 There are four age-based options to meet your needs. Three are primarily invested in passively managed Vanguard index options, offering a conservative, moderate, and aggressive age-based choice. The fourth is The Advantage Age-Based Option, which invests in four carefully selected portfolios, each with an asset mix of individual CollegeAdvantage equity (stock) and fixed-income (bond) options, providing a blend of passive and active fund management from multiple fund managers. OPTIONS UNDERLYING PORTFOLIOS AND OPTIONS UNDERLYING S OF THE PORTFOLIOS TIMING OF ASSET ALLOCATION CHANGE FUND MANAGERS AGE-BASED OPTIONS Vanguard Conservative Age-Based Option Vanguard Moderate Growth Vanguard Conservative Growth Vanguard Prime Money Market Option Vanguard Total Bond Market II Index Fund Vanguard Institutional Total Stock Market Index Fund Vanguard Developed Markets Index Fund Vanguard Inflation-Protected Securities Fund Vanguard Prime Money Market Fund Asset allocation shifts at the following age intervals: Age 6 Age 11 Age 16 Age 19 Vanguard Vanguard Moderate Age-Based Option Vanguard Growth Vanguard Moderate Growth Vanguard Conservative Growth Vanguard Institutional Total Stock Market Index Fund Vanguard Developed Markets Index Fund Vanguard Total Bond Market II Index Fund Vanguard Inflation-Protected Securities Fund Vanguard Prime Money Market Fund Asset allocation shifts at the following age intervals: Age 6 Age 11 Age 16 Age 19 Vanguard Vanguard Aggressive Age-Based Option Vanguard Aggressive Growth Vanguard Growth Vanguard Moderate Growth Vanguard Conservative Growth Vanguard Institutional Total Stock Market Index Fund Vanguard Developed Markets Index Fund Vanguard Total Bond Market II Index Fund Vanguard Inflation-Protected Securities Fund Vanguard Prime Money Market Fund Asset allocation shifts at the following age intervals: Age 6 Age 11 Age 16 Age 19 Vanguard The Advantage Age-Based Option U.S. Equity Portfolio International Equity Portfolio Diversified Fixed-Income Portfolio Short-Term Fixed-Income Portfolio Vanguard Institutional Index Fund Vanguard Windsor II Fund Vanguard Morgan Growth Fund Vanguard Extended Market Index Fund Vanguard Strategic Equity Fund GE Institutional International Equity Fund Vanguard Developed Markets Index Fund Asset allocation shifts at the following age intervals: Age 6 Age 10 Age 13 Age 17 Vanguard PIMCO GE Asset Management Vanguard Inflation-Protected Securities Fund Vanguard Total Bond Market II Index Fund PIMCO Total Return Fund PIMCO High Yield Fund Vanguard Prime Money Market Fund 4

7 VANGUARD AGE-BASED OPTIONS The three Vanguard age-based options allow you to choose based on your tolerance for risk. The assets are managed according to the age of your child (the beneficiary), along with your risk tolerance, through a series of pre-selected investment portfolios. The Vanguard age-based options are primarily invested in passively managed index funds, meaning they seek to match market performance, but generally cost less than actively managed options. AGE OF BENEFICIARY CONSERVATIVE MODERATE AGGRESSIVE 5 or younger 40% 10% 50% 60% 15% 25% 80% 20% Vanguard Moderate Growth Vanguard Growth Vanguard Aggressive Growth 6 through 10 20% 5% 75% 40% 10% 50% 60% 15% 25% Vanguard Conservative Growth Vanguard Moderate Growth Vanguard Growth 11 through 15 75% 25% 20% 5% 75% 40% 10% 50% Vanguard Conservative Growth Vanguard Moderate Growth 16 through 18 75% 25% 75% 25% 20% 5% 75% Vanguard Conservative Growth 19 or older 100% 75% 25% 75% 25% Vanguard Prime Money Market Option U.S. Stocks Bonds International Stocks Short-Term Investments 5

8 THE ADVANTAGE AGE-BASED OPTION The Advantage Age-Based Option invests in four distinct asset class portfolios made up of existing CollegeAdvantage equity (stock) and fixed-income (bond) options. Each portfolio combines actively managed and passively managed investment options in order to reduce both fees and relative risk. Actively managed funds seek to outperform the market through the buying and selling strategies of the professional investment managers, while passively managed funds are included to add diversification and to help lower fees. AGE OF BENEFICIARY 5 or younger 6 through 9 10 through through or older ASSET ALLOCATION TARGETS OF UNDERLYING PORTFOLIOS 60.00% U.S. Equity Portfolio 30.00% International Equity Portfolio 9.75% Diversified Fixed-Income Portfolio 0.25% Short-Term Fixed-Income Portfolio (not shown) 55.00% U.S. Equity Portfolio 30.00% International Equity Portfolio 14.62% Diversified Fixed-Income Portfolio 0.38% Short-Term Fixed-Income Portfolio (not shown) 50.00% U.S. Equity Portfolio 25.00% International Equity Portfolio 24.37% Diversified Fixed-Income Portfolio 0.63% Short-Term Fixed-Income Portfolio (not shown) 20.00% U.S. Equity Portfolio 20.00% International Equity Portfolio 58.50% Diversified Fixed-Income Portfolio 1.50% Short-Term Fixed-Income Portfolio (not shown) 5.00% U.S. Equity Portfolio 5.00% International Equity Portfolio 37.05% Diversified Fixed-Income Portfolio 52.95% Short-Term Fixed-Income Portfolio U.S. Stocks Bonds International Stocks Short-Term Investments 6

9 RISK-BASED OPTIONS EARNINGS POTENTIAL BASED ON RISK. Risk-based options allow you to invest based on your risk tolerance. Whether you are conservative or seek aggressive growth, we offer several options along the continuum of risk, so you can choose the portfolio that best suits your risk tolerance and goals. OPTIONS RISK-BASED OPTIONS OBJECTIVE Seeks to provide current income. UNDERLYING S AND ASSET ALLOCATION 50% Vanguard Total Bond Market II Index Fund 25% Vanguard Prime Money Market Fund 25% Vanguard Inflation-Protected Securities Fund Vanguard Conservative Growth Seeks to provide income and low to moderate capital appreciation. 75% Vanguard Total Bond Market II Index Fund 20% Vanguard Institutional Total Stock Market Index Fund 5% Vanguard Developed Markets Index Fund Vanguard Moderate Growth Index Portfolio Vanguard Growth Vanguard Aggressive Growth Index Portfolio Seeks to provide capital appreciation and current income. Seeks to provide capital appreciation and low to moderate income. Seeks to provide capital appreciation. 50% Vanguard Total Bond Market II Index Fund 40% Vanguard Institutional Total Stock Market Index Fund 10% Vanguard Developed Markets Index Fund 60% Vanguard Institutional Total Stock Market Index Fund 15% Vanguard Developed Markets Index Fund 25% Vanguard Total Bond Market II Index Fund 80% Vanguard Institutional Total Stock Market Index Fund 20% Vanguard Developed Markets Index Fund 7

10 CAPITAL PRESERVATION AND FIXED-INCOME OPTIONS LESS RISK. MORE SECURITY. Capital preservation (cash) options may appeal to risk-averse investors, parents with children near college age, or those with children currently enrolled in college. Fixed-income (bonds) options may appeal to investors seeking to diversify their portfolios and those seeking to reduce risk. OPTIONS OBJECTIVE ASSET CATEGORY UNDERLYING S STYLE/ CHARACTERISTICS CAPITAL PRESERVATION (CASH) AND FIXED-INCOME (BONDS) OPTIONS Vanguard Prime Money Market Option (cash) Seeks to provide current income while maintaining liquidity and preserving principal. Cash/Short-Term Investments Vanguard Prime Money Market Fund Invests in high-quality, short-term money market instruments. PIMCO Total Return Option (bonds) Seeks maximum total return, consistent with preservation of capital and prudent investment management. Investment-Grade Intermediate-Term Bond PIMCO Total Return Fund Invests in a diversified portfolio of actively managed high quality bonds to maximize return and control risk. Vanguard Inflation- Protected Bond Option (bonds) Seeks to provide inflation protection and income consistent with investment in inflation-indexed securities. Treasury Inflation-Protected Securities (TIPS) Vanguard Inflation-Protected Securities Fund Volatility typically lower than nominal U.S. Treasury bonds. Provides unique diversification benefits. PIMCO High Yield Option (bonds) Seeks maximum total return, consistent with preservation of capital and prudent investment management. High-Yield Bond PIMCO High Yield Fund Invests primarily in high-yield, non-investment-grade bonds. 8

11 BALANCED OPTION (MIX OF STOCKS AND BONDS) A BALANCED MIX TO HELP YOU ACHIEVE YOUR GOAL. If you are interested in an investment that combines active management with a balanced exposure to both equities and bonds, you may want to consider the balanced investment option. OPTION OBJECTIVE UNDERLYING S & ASSET ALLOCATION BALANCED OPTION (MIX OF STOCKS AND BONDS) Vanguard Wellington Option Seeks to provide long-term capital appreciation and reasonable current income. Invests 100% in the Vanguard Wellington Fund 60%-70% U.S. Large and Mid-Cap Value Stocks 30%-40% U.S. Fixed-Income (Bonds) Securities 9

12 U.S. EQUITY OPTIONS (STOCKS) HIGHER RISK. GREATER POTENTIAL. CollegeAdvantage offers several U.S. equity options from various segments of the stock market, including the stocks of small, midsize, and large domestic companies, both growth and value, across all industries. Historically, stocks have provided the highest returns over time, but stock prices fluctuate, sometimes dramatically. Because of this, equity investments tend to have the highest level of risk of all asset classes. OPTIONS OBJECTIVE ASSET CATEGORY UNDERLYING S STYLE/ CHARACTERISTICS U.S. EQUITY OPTIONS (STOCKS) Vanguard 500 Index Option Seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks. U.S. Large-Cap Stocks Vanguard Institutional Index Fund Employs an indexing investment approach designed to track the S&P 500. Vanguard Windsor II Option Seeks to provide long-term capital appreciation and income. U.S. Large-Cap Stocks--Value Vanguard Windsor II Fund Invests mainly in large- and midcap U.S. companies whose stocks are considered to be undervalued. Vanguard Morgan Growth Option Seeks to provide long-term capital appreciation. U.S. Large-Cap Stocks--Growth Vanguard Morgan Growth Fund Invests mainly in mid- and large-cap U.S. companies whose revenues are expected to grow faster than the average company. Vanguard Extended Market Index Option Seeks to track the performance of a benchmark index that measures investment return of small- and mid-cap stocks. U.S. Small- and Mid-Cap Stocks Vanguard Extended Market Index Fund An index of broadly diversified stocks of small and midsize U.S. companies. Vanguard Strategic Equity Option Seeks to provide long-term capital appreciation. U.S. Small- and Mid-Cap Stocks Vanguard Strategic Equity Fund Invests in small- and mid-cap domestic stocks. 10

13 NON-U.S. EQUITY OPTIONS (STOCKS) HIGHER RISK. GREATER POTENTIAL. In addition to the U.S. equity options, we also offer international equity options for those seeking to invest in the stocks of international companies. Just as with all equity fund investments, they offer a higher level of risk along with the potential for higher returns over time. OPTIONS OBJECTIVE ASSET CATEGORY UNDERLYING S STYLE/ CHARACTERISTICS NON-U.S. EQUITY OPTIONS (STOCKS) Vanguard Developed Markets International Stock Index Option Seeks to track the FTSE Index (companies located in Europe, Australia, Asia and the Far East). International Stocks Vanguard Developed Markets Index Fund Mimics the investing and weighting of the target index. GE Institutional International Equity Option Seeks to provide long-term growth of capital. International Stocks GE Institutional International Equity Fund Invests mainly in growth and value companies in both developed and emerging markets. 11

14 BANK OPTIONS 100% CASH. 100% GUARANTEED. FIFTH THIRD 529 SAVINGS ACCOUNT A Fifth Third 529 savings account lets your money grow over time with the security of FDIC insurance and 529 tax advantages. Other advantages include premium market rates of interest, guaranteed rate of return, no fees, and a low minimum deposit of $25. Please visit for current Annual Percentage Yields (APYs), which are based on your 529 savings account balance. FIFTH THIRD 529 CERTIFICATE OF DEPOSIT The Fifth Third 529 CDs offer a wide variety of terms, allowing you to maximize your return and take advantage of longer-term market rates. The Annual Percentage Yield (APY) is based on the CD term length, not on the opening balance. Minimum opening contribution for all Fifth Third CDs is $500. Please visit for current APYs on Certificates of Deposit. CD features: Premium market rates of interest Guaranteed rate of return with FDIC backing, up to federal limits Option to choose the maturity that best suits your needs (3 months to 12 years; early withdrawal penalties apply) Automatic transfer to a Fifth Third 529 Savings Account at maturity Once CDs mature and transfer to a Fifth Third 529 Savings Account, you can withdraw the funds, exchange the funds to another Fifth Third 529 CD or to other CollegeAdvantage investment options,* or leave the money in the savings account to earn interest. *Federal regulations for 529 plans limit the number of times account owners can reallocate investment options for the same beneficiary. See the CollegeAdvantage Direct Plan Offering Statement and Participation Agreement for details. 12

15 OHIO TUITION TRUST AUTHORITY 35 E. Chestnut St., 8th Floor Columbus, OH To enroll, or for more information about the CollegeAdvantage Direct 529 Savings Plan, visit or call AFFORD-IT ( ). If you work with a financial advisor, you may also consider the CollegeAdvantage Advisor 529 Savings Plan offered by BlackRock. To learn more, go to CollegeAdvantage. The CollegeAdvantage Direct 529 Savings Plan is sponsored by the Ohio Tuition Trust Authority, a state agency within the Office of the Chancellor of the Ohio Board of Regents. The Ohio Tuition Trust Authority sponsors three college savings plans: CollegeAdvantage Direct 529 Savings Plan, CollegeAdvantage Advisor 529 Savings Plan offered through BlackRock, and CollegeAdvantage Guaranteed 529 Savings Plan (which is closed to new enrollments and new contributions). You may own accounts in one or more of these CollegeAdvantage Plans. For questions about the CollegeAdvantage Direct 529 Savings Plan or the CollegeAdvantage Guaranteed 529 Savings Plan, call CollegeAdvantage at AFFORD-IT ( ), Monday Friday from 8:30 a.m. to 6:00 p.m. ET, or by to For questions about your CollegeAdvantage Advisor 529 Savings Plan offered through BlackRock, please contact BlackRock at (866) Any investment in a CollegeAdvantage investment option, except a Fifth Third investment option, is not insured or guaranteed by the FDIC or any other government agency or other party, including the State of Ohio, Ohio Tuition Trust Authority (OTTA), or any of the mutual fund firms under contract with OTTA. Any investment in a Fifth Third investment option is insured by the FDIC, up to the limits set by the FDIC. An investment in a CollegeAdvantage mutual fund-based investment option is not a direct investment in a mutual fund itself. Except for the Fifth Third investment options, participants assume all investment risk of an investment in CollegeAdvantage, including the potential loss of principal. Regular investing does not ensure a profit or protect against a loss. The amount actually available for withdrawal will depend on the investment performance of the investment options chosen. Participation in the CollegeAdvantage Direct 529 Savings Plan does not guarantee that contributions, or the investment return on contributions, if any, will be adequate to cover the future tuition and other qualified higher education expenses, or that a beneficiary will be admitted to or permitted to continue to attend an institution of higher education. To learn more about CollegeAdvantage, its investment objectives, risks, and costs, read the Direct Plan Offering Statement and Participation Agreement available at com. If you are not an Ohio resident, check with your home state to learn if it offers state tax or other benefits for investing in its own 529 plan. All other trademarks, servicemarks, or registered trademarks are the property of their respective owners. Used with permission Ohio Tuition Trust Authority. All rights reserved. Ohio Tuition Trust Authority, 35 E. Chestnut St., 8th Floor, Columbus, OH I0B (3-14)

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