Virginia 529 College Savings Plan
Investment Model Portfolios

Virginia 529 College Savings Plan, also called CollegeAmerica plan,

Plan investment options

Total Available Funds: 21
Asset Class Ticker Description Rating Expense
Emerging Market
DIVERSIFIED EMERGING MKTS CNWAX New World FundSM 1.03%
INTERNATIONAL EQUITY
Foreign Large Value CGIFX International Growth and Income Fund ** should be CGIAX 0.54%
WORLD STOCK CSPAX SMALLCAP World Fund 0.66%
WORLD STOCK CWIAX Capital World Growth and Income Fund 0.53%
Foreign Large Blend CEUAX EuroPacific Growth Fund 0.9%
Others
World Allocation CIRAX Capital Income Builder 0.26%
Moderate Allocation CLBAX American Balanced Fund 0.31%
Moderate Allocation CIMAX The Income Fund of America 0.69%
ROOT CASH American Funds Money Market FundSM NA
US EQUITY
LARGE GROWTH CGFFX The Growth Fund of America 0.63%
LARGE GROWTH CAFFX AMCAP Fund 0.49%
LARGE GROWTH CNGAX The New Economy Fund 0.53%
LARGE BLEND CFNAX Fundamental InvestorsSM 0.28%
LARGE VALUE CWMAX Washington Mutual Investors FundSM 0.26%
LARGE BLEND CICAX The Investment Company of America 0.27%
FIXED INCOME
Short-Term Bond VFSTX Short-Term Bond Fund of America** should be ASBAX 0.1%
WORLD BOND CCWAX Capital World Bond Fund 0.99%
Short-Term Bond CBOAX Intermediate Bond Fund of America 0.29%
High Yield Bond CITAX American High-Income Trust 0.41%
Intermediate Government CGTAX U.S. Government Securities FundSM 0.24%
Intermediate-Term Bond CFAAX The Bond Fund of America 0.33%
Average Expense Ratio: 0.49%

The following is a moderate-risk model portfolio constructed from the investment options of Virginia 529 College Savings 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



Puzzled on what to invest?

  • We ask a few questions to decide your personal return and risk expectations
  • We build a custom portfolio for your plan (401(k), 403(b), 529 ...) or for a  brokerage account
  • We monitor and send timely rebalance emails on what investment funds to buy and sell