LoneStar 529

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Age-based Portfolios

Your account is placed in one of six portfolios based on the beneficiary's age. The Age-based portfolios automatically adjust over time, becoming more conservative as the beneficiary ages.          

Portfolio AllocationPortfolio Objective

0–6 Years Portfolio-Seeks long-term growth by investing primarily in equity investments. A percentage of assets are invested in fixed income investments to provide some protection from equity volatility.

0–6 Years Portfolio

Seeks long-term growth by investing primarily in equity investments. A percentage of assets are invested in fixed income investments to provide some protection from equity volatility.

7–9 Years Portfolio-Seeks growth by investing in an allocation weighted toward equity investments versus fixed income investments.

7–9 Years Portfolio

Seeks growth by investing in an allocation weighted toward equity investments versus fixed income investments.

10–11 Years Portfolio-Seeks moderate growth by investing in a balanced asset allocation slightly weighted toward equity investments over fixed income investments.

10–11 Years Portfolio

Seeks moderate growth by investing in a balanced asset allocation slightly weighted toward equity investments over fixed income investments.

12–14 Years Portfolio-Seeks moderate growth by investing in a balanced asset allocation weighted equally between equity investments and fixed income investments.

12–14 Years Portfolio

Seeks moderate growth by investing in a balanced asset allocation weighted equally between equity investments and fixed income investments.

15–17 Years Portfolio-Seeks conservative growth by investing in a combination of fixed income investments and money market investments weighted towards fixed income.

15–17 Years Portfolio

Seeks conservative growth by investing in a combination of fixed income investments and money market investments weighted towards fixed income.

18 Years and over Portfolio-Seeks preservation of capital and income with minimal growth by investing primarily in fixed income investments and money market investments to maintain stability.

18 Years and over Portfolio

Seeks preservation of capital and income with minimal growth by investing primarily in fixed income investments and money market investments to maintain stability.

Static Portfolios

You may choose to invest in any one, or any combination of the portfolios below. While the Static Portfolios allow for more control over your account, it will be up to you to choose a new portfolio, or portfolios, should your needs or goals change.

Portfolio AllocationPortfolio Objective

100% Equity Portfolio-Seeks long-term capital appreciation by investing all of its assets in equity investments.

100% Equity Portfolio

Seeks long-term capital appreciation by investing all of its assets in equity investments.

Balanced Portfolio-Seeks moderate growth by investing in a balanced allocation weighted toward equity investments over fixed income investments.

Balanced Portfolio

Seeks moderate growth by investing in a balanced allocation weighted toward equity investments over fixed income investments.

Table listing the funds used in the static portfolios. Equity funds:  Oppenheimer Main Street Opportunity Fund, Oppenheimer Value Fund, Oppenheimer Capital Appreciation Fund, Oppenheimer Main Street Small Cap Fund and OFIPI Baring International Strategy. Fixed income funds: Dreyfus Bond Index Fund and Oppenheimer U.S. Government Trust. Money market fund: Oppenheimer Institutional Money Market Fund.

Individual Fund Portfolios

Portfolio NamePortfolion AllocationPortfolio Description
Capital Appreciation Portfolio100% Oppenheimer Capital Appreciation FundSeeks capital appreciation by emphasizing common stocks with high growth potential at average, rather than high prices.
Value Portfolio100% Oppenheimer Value FundSeeks long-term growth of capital by investing mainly in common stocks that the portfolio manager believes to be undervalued.
Large Cap Core Index Portfolio100% TIAA-CREF S&P 500 Index FundSeeks to track the performance and characteristics of a benchmark index that measures the investment return of large-cap stocks.
Main Street Select Portfolio100% Oppenheimer Main Street Select Fund®Seeks long-term capital appreciation by investing primarily in common stocks by using a variety of proprietary quantitative models to rank stocks on the basis of valuation and momentum.
Socially Responsible Portfolio100% TIAA-CREF Social Choice Equity FundSeeks a favorable long-term total return that reflects the investment performance of the overall U.S. stock market, while giving special consideration to certain social criteria.
Main Street Small- & Mid-Cap Portfolio100% Oppenheimer Main Street Small- & Mid-Cap Fund®Seeks capital appreciation by investing primarily in a broadly diversified portfolio of common, small-cap stocks by using a variety of proprietary quantitative models to rank small-cap stocks on the basis of valuation and momentum.
International Diversified Portfolio100% Oppenheimer International Diversified FundSeeks to achieve high total return through capital appreciation and income by investing in a variety of global and international investments.
Fixed Income Portfolio100% Dreyfus Bond Index FundSeeks to match the total return of the Barclay's Capital U.S. Aggregate Index by investing in domestic fixed income and money market instruments.
Inflation Protected Bond Portfolio100% Dreyfus Inflation Adjusted Securities FundSeeks to provide returns that exceed the rate of inflation.
Money Market Portfolio100% Oppenheimer Institutional Money Market Fund 1Seeks preservation of capital by investing all of its assets in a money market mutual fund to maintain stability.
U.S. Government Money Market Portfolio100% Dreyfus Treasury Prime Cash
Management 1
Seeks preservation of capital by investing in a U.S. Government money market mutual fund.

Each underlying investment has its own risks. For example, the prices of small-cap stocks are generally more volatile than large company stocks. There are special risks inherent to international investing, including currency, political, social and economic risks. Investments in growth stocks may be more volatile than other securities. With value investing, if the marketplace does not recognize that a security is undervalued, the expected price increase may not occur. Fixed income investing entails credit and interest risks. When interest rates rise, bond prices generally fall, and the underlying Fund's share price can fall. Diversification does not guarantee a profit or protect against loss.

1. An investment in the Fund is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.