6 target portfolios

These diversified investment portfolios provide a set asset allocation of equity (stock), fixed income (bond), and money market investments. You can choose from six portfolio options ranging from aggressive to conservative. Your portfolio will be rebalanced on an ongoing basis to maintain the targeted asset allocation. And unlike the age-based portfolios, they do not adjust their asset allocation based on the age of the beneficiary.

Choose your portfolio based on your risk comfort level. The most aggressive target portfolio (Fund 100) is composed primarily of equity mutual funds (70% domestic equity and 27% international equity with the remaining 3% in real estate funds). The most conservative portfolio (Fixed Income Fund) is composed of 50% fixed income and 50% money market mutual funds. Click on a pie chart for information about the portfolio’s objectives, asset allocation, and performance.

Fund 100

Fund 100 is the most aggressive of the target portfolios and seeks maximum capital appreciation by investing approximately 97% of its net assets in a broad range of domestic and international equity investment funds.  The remaining 3% of its net assets are invested in real estate investment funds. This strategy is only appropriate for investors who have longer time horizons, who are comfortable with an increased level of risk while seeking higher longer-term returns, or who use this investment option as part of an overall college savings strategy that includes less aggressive investments.  

 Fund 100

Fund 80

Fund 80 is an aggressive target portfolio which seeks a high level of capital appreciation and some income by investing approximately 80% of its net assets in a broad range of domestic equity, international equity, and real estate investment funds with the remaining 20% invested in fixed income investment funds.

 Fund 80

Fund 60

Fund 60 is a moderately aggressive target portfolio which seeks capital appreciation and income by investing approximately 60% of its net assets in a broad range of domestic equity, international equity, and real estate investment funds with the remaining 40% invested in fixed income investment funds.

 Fund 60

Fund 40

Fund 40 is a more conservative target portfolio which seeks moderate income and capital appreciation by investing approximately 40% of its net assets in a broad range of domestic equity, international equity, and real estate investment funds with the remaining 60% invested in fixed income investment funds.

 Fund 40

Fund 20

Fund 20 is an income-oriented target portfolio which seeks income and some capital appreciation by investing approximately 20% of its net assets in a broad range of domestic equity and international equity funds,10% of its net assets in money market mutual funds, and 70% of its net assets in fixed income funds.

 Fund 20

Fixed Income Fund

The Fixed Income Fund is the most conservative of the target portfolios and seeks to preserve principal with less volatility than an all-bond portfolio while providing modest current income by investing approximately 50% of its net assets in money market investment funds and 50% in fixed income investment funds.

 Fixed Income Fund

Risk Considerations
You can lose money by investing in a portfolio. Each of the age-based, target, and individual fund portfolios involves investment risks, which are described in the Program Disclosure Statement and which should be considered before investing. International investments involve risks such as currency fluctuations, economic instability, and political developments. Additional risks may be associated with emerging markets. Small and midsize companies may increase the risk of fluctuations in the value of your investment. Portfolios that invest in bonds are subject to risks such as interest rate risk, credit risk, and inflation risk. As interest rates rise, the prices of bonds will fall. The value of your account will fluctuate with market conditions. When you withdraw funds, you may have more or less than your total contributions to the account. For more risk information on the portfolios and the underlying funds in which they invest, see the Program Disclosure Statement.
Alabama TreasurerUnion Bank

The CollegeCounts 529 Fund is a qualified tuition program under Section 529 of the Internal Revenue Code that is sponsored by the State of Alabama and administered by the Board of Trustees of the ACES Trust Fund (the “Trust” and plan issuer). Union Bank & Trust Company serves as Program Manager. Accounts and investments under the CollegeCounts 529 Fund are not insured or guaranteed by the FDIC, the State of Alabama, the State Treasurer of Alabama, the Board, the Trust, the Program, Union Bank & Trust Company, or any other entity.

Before investing, you should consider the investment objectives, risks, fees, expenses, and tax consequences associated with the Program. All of this information is contained in the Program Disclosure Statement. Please read it carefully before investing.

If you or your beneficiary is not an Alabama resident, consider whether your home state or the home state of your designated beneficiary offers a qualified tuition program that provides a state tax deduction or other benefits to residents who invest in that program.

Not FDIC Insured. No Bank Guarantee.May Lose Value.