The IAdvisor 529 Plan age-based option starts with a higher allocation to equity funds and automatically becomes more conservative as the beneficiary gets closer to college. Five distinct age bands provide a smooth transition from one band to the next during the first week of August to coincide with the start of a new school year. The age-based portfolios invest in diversified mutual funds that are carefully selected and rigorously monitored as market conditions change.
You also have the flexibility to choose a “hypothetical age” that corresponds to an age band that is more or less aggressive than that of the option which corresponds to the beneficiary’s age at the time of enrollment.