Create a strategy that’s right for you. The CollegeCounts 529 Fund lets you customize your college investment program. You may choose one plan, or combine plans to create your own mix of investment options.

Years to Enrollment Portfolios
These intuitive portfolios simplify the investment process by doing the work for you. They consider how many years until a student enrolls in college, and diversify accordingly. When students near college, their money moves automatically from an investment in a higher percentage of stocks to a higher percentage of bonds and cash. The graph below shows how assets are diversified.

The Aggressive option places investments in Van Kampen mutual funds focused heavily on stocks, while also including smaller amounts of bonds. Stocks have the potential for the highest returns, but also are the most risky. They can be ideal for longer time horizons, where stock values can potentially ride out peaks and lows. Over time, assets automatically move from Aggressive to Moderate to Conservative portfolios

The Moderate option invests in Van Kampen mutual funds more balanced between stocks and bonds, while including some investment in cash. This mixture generally has more moderate return potential than Aggressive, but is also less risky. A moderate investment can be chosen up to three years before enrollment.

The Conservative option is the least risky of these investment options, but also has the lowest return potential. This asset allocation model offers Van Kampen mutual funds that concentrate primarily in bonds and cash, with only a minor investment in stocks. This option is available at every stage.

Unlike the Years to Enrollment Portfolios, assets in Fixed or Individual Fund Portfolios do not automatically move into more moderate or conservative investments. If you want to adjust investment diversity according to your risk tolerance, you can do so once per calendar year (twice in calendar year 2009).

An investment in the money market fund that may be represented in the Cash portion above is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the money market fund seeks to maintain a net asset value of $1.00 per share, it is possible to lose money by investing in the fund.

Individual Fund Portfolios
Individual Fund Portfolios let you truly customize an asset allocation strategy. Select from domestic stock, bond, global and international portfolios. Unlike the Fixed Portfolios, which include multiple Van Kampen mutual funds, each Individual Fund Portfolio is invested in only one Van Kampen mutual fund.

Customize Your Investment With:

Risk Considerations Each 529 Program Portfolio is subject to the risks of the underlying fund(s) in which it invests. The exact degree and nature of these risks will vary depending on the specific underlying fund(s) in which a 529 Program Portfolio invests. In general, an investment in an “aggressive” portfolio entails more risk than an investment in a “conservative” or “moderate” portfolio. For more risk information about the 529 Program Portfolios and the underlying funds in which they invest, see the Program Disclosure Statement.

Above charts used with permission. ©2009 Ibbotson Associates Inc. All rights reserved.

For illustrative purposes only. These are not recommendations of specific investments.