The Alabama Higher Education Fund ,distributed by Van Kampen,is a traditional 529 plan that allows you to invest money today and reap tax benefits when you withdraw it to pay for qualified education expenses.With the custom portfolio option, the assets in your 529 Plan account will be reallocated only at your instruction, but changes to existing investments within the plan can be made only once per calendar year. MyPlanIQ.com provides asset allocation strategies for the third-way investors to constructs customized 529 portfolios, which is better tailored to their risk profile. The model portfolios are constructed basing on the plan custom portfolios below.
Van Kampen Global Franchise
Van Kampen Growth and Income
Van Kampen International Advantage
Van Kampen Mid Cap Growth
Van Kampen Small Cap Growth
Van Kampen Small Cap Value
Van Kampen Strategic Growth
Van Kampen Value Opportunities
Van Kampen Corporate Bond
Van Kampen Government Securities
Van Kampen High Yield
Reserve Fund
For further information, please visit the
Alabama Higher Education Fund 529 Plan official website.
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The following is a moderate-risk model portfolio constructed from the investment options of Alabama Higher Education Fund 529 Plan.
This portfolio is proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation. We offer customization features, allowing subscribers to tailor the portfolio to align with their own risk tolerance and return expectations by changing risk profile parameter.
Our model portfolio is rooted in the MyPlanIQ Asset Allocation Composite (AAC) strategy. This dynamic (tactical) asset allocation and quantitative fund selection algorithm prioritize risk management by dynamically adjusting stock allocations based on prevailing asset momentum. Extensive research has shown that this momentum-based tactical approach can potentially reduce temporary losses while maintaining or outperforming traditional buy-and-hold strategies.
Both historical back test and real-time portfolio return and risk data are shown in the table on this page. These metrics are compared with stock and moderate allocation index funds.
Furthermore, subscribers have the option to explore alternative strategies such as Strategic Asset Allocation Optimal (SAA) and Tactical Asset Allocation (TAA) to further customize their model portfolio. See our investment methodology for more details on the investment strategies