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‘Tis the season for giving.

Find out how to give the gift of education to someone you love.


LoneStar Investments


Selecting an investment portfolio may seem overwhelming for some. However, the LoneStar 529 Plan offers a number of investment options and strategies that you can tailor to align with your risk tolerance, time horizon and financial situation.

The Plan:  The LoneStar 529 Plan, which is a 529 Plan. offers a wide range of portfolios with Underlying Investments:  One or more mutual funds or other investment vehicles in which assets of a portfolio are invested. managed by Artisan, Baird, DFA, Dodge & Cox, Eaton Vance, Federated Hermes, Neuberger Berman, New York Life, PIMCO, T. Rowe Price, and Vanguard. You can choose from among the Plan’s Target Enrollment Year Options, Risk-based and Individual Asset Class Options, or a combination of each.

Should your goals or needs change, you have the flexibility to rebalance your Account:  A savings trust account established by an Account Owner pursuant to the Savings Trust Agreement for purposes of investing in one or more portfolios. Accounts are part of the Plan and are held in the name of the Plan on behalf of and for the benefit of the Account Owners and the Beneficiaries. or allocate future contributions to different portfolios. Under current federal regulations, Account Owner:  The individual or entity signing the Application and establishing an Account or any successor to such individual or entity. References in this Glossary to “you” or “your” mean the Account Owner in such capacity. are allowed to change the allocation of existing assets twice per calendar year or whenever you name a new Beneficiary:  The individual identified by the Account Owner whose qualified education expenses are expected to be paid from the Account or, for Accounts owned by a state or local government or qualifying tax-exempt organization (otherwise known as a 501(c)(3) entity) as part of its operation of a scholarship program, the recipient of a scholarship whose qualified education expenses are expected to be paid from the Account. Any individual may be the Beneficiary of an Account, including the Account Owner.

A government entity or 501(c)(3) not-for-profit organization can establish an Account to fund scholarship programs without designating a Beneficiary at the time the Account is established.

Investment Options

View Your Investment Options:


Target Enrollment Year Portfolios
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Target Enrollment Year Portfolios

You and your advisor select one of the following ten Target Enrollment Year Portfolios:  An investment vehicle that invests based on the year your Beneficiary is expected to begin using the funds for qualified education expenses (i.e., enrollment year). The asset allocation between equities, bonds, and cash automatically adjusts every six months as the enrollment year approaches, providing a consistent risk reduction path for investments along the way. based on several factors, such as when you expect your Beneficiary:  The individual identified by the Account Owner whose qualified education expenses are expected to be paid from the Account or, for Accounts owned by a state or local government or qualifying tax-exempt organization (otherwise known as a 501(c)(3) entity) as part of its operation of a scholarship program, the recipient of a scholarship whose qualified education expenses are expected to be paid from the Account. Any individual may be the Beneficiary of an Account, including the Account Owner.

A government entity or 501(c)(3) not-for-profit organization can establish an Account to fund scholarship programs without designating a Beneficiary at the time the Account is established. to need the funds, your risk tolerance and investment outlook. Once a portfolio is selected, your investments will stay in that portfolio until it is transferred to the Enrolled Years Portfolio or if you chose to make a new investment election to move it to another portfolio, whichever is earlier. You can choose to invest in one or any combination of these portfolios as well as the Risk-based and Individual Asset Class portfolios.

Hover over a pie chart below for details. The center of the chart shows Asset Allocation:  A strategy for maximizing gains while minimizing risks in your investment portfolio. Asset allocation involves dividing your assets on a percentage basis among different broad categories of investments, including equity, fixed income, and money market.

2040-2041 Portfolio

Currently invests primarily in equity and seeks capital growth within the portfolio.

2038-2039 Portfolio

Also currently invests primarily in equity and seeks capital growth within the portfolio.

2036-2037 Portfolio

Currently invests in a blended allocation of equity and fixed income, yet is still more heavily weighted toward equity investments seeking to capture further capital growth opportunities.

2034-2035 Portfolio

Currently invests in a blended allocation of equity and fixed income and seeks moderate capital growth and income.

2032-2033 Portfolio

Currently invests in an allocation tilted toward equity over fixed income.

2030-2031 Portfolio

Currently invests in a blended allocation of equity and fixed income with a heavier weight toward fixed income seeking to shift the investment focus more heavily toward capital preservation and income.

2028-2029 Portfolio

Currently invests in a blended allocation of equity and fixed income with a heavier weight toward fixed income.

2026-2027 Portfolio

Currently invests in a blended allocation of equity and fixed income with a heavy weight toward fixed income, as well as the inclusion of stable value seeking to provide additional income.

2024-2025 Portfolio

Currently invests primarily in fixed income, with the inclusion of some equity and some stable value. This portfolio seeks capital preservation and income.

Enrolled Years Portfolio

This is the last Target Enrollment Year Portfolios:  An investment vehicle that invests based on the year your Beneficiary is expected to begin using the funds for qualified education expenses (i.e., enrollment year). The asset allocation between equities, bonds, and cash automatically adjusts every six months as the enrollment year approaches, providing a consistent risk reduction path for investments along the way. This portfolio assumes that your Beneficiary:  The individual identified by the Account Owner whose qualified education expenses are expected to be paid from the Account or, for Accounts owned by a state or local government or qualifying tax-exempt organization (otherwise known as a 501(c)(3) entity) as part of its operation of a scholarship program, the recipient of a scholarship whose qualified education expenses are expected to be paid from the Account. Any individual may be the Beneficiary of an Account, including the Account Owner.

A government entity or 501(c)(3) not-for-profit organization can establish an Account to fund scholarship programs without designating a Beneficiary at the time the Account is established. is enrolled in school and seeks to preserve capital and provide income to support withdrawals from the Account:  A savings trust account established by an Account Owner pursuant to the Savings Trust Agreement for purposes of investing in one or more portfolios. Accounts are part of the Plan and are held in the name of the Plan on behalf of and for the benefit of the Account Owners and the Beneficiaries. .

1. Investments in the New York Life Guaranteed Interest Account are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency.


Risk-based Portfolios
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Risk-based Portfolios

The Risk-based Portfolios:  Investment vehicles featuring the flexibility to choose from among several investment options that may align with your tolerance for risk, your time horizon, and other factors. offer you the ability to choose investment options based on your risk tolerance. You can choose to invest in one or any combination of these portfolios as well as the :  and Individual Asset Class portfolios.

Hover over a pie chart below for details. The center of the chart shows Asset Allocation:  A strategy for maximizing gains while minimizing risks in your investment portfolio. Asset allocation involves dividing your assets on a percentage basis among different broad categories of investments, including equity, fixed income, and money market.

Aggressive Allocation

Seeks long-term capital growth by investing in an Asset Allocation:  A strategy for maximizing gains while minimizing risks in your investment portfolio. Asset allocation involves dividing your assets on a percentage basis among different broad categories of investments, including equity, fixed income, and money market. weighted heavily toward equity investments versus fixed income investments.

Balanced Allocation

Seeks moderate growth by investing in a balanced Asset Allocation:  A strategy for maximizing gains while minimizing risks in your investment portfolio. Asset allocation involves dividing your assets on a percentage basis among different broad categories of investments, including equity, fixed income, and money market. somewhat weighted toward equity investments over fixed income investments.

Conservative Allocation

Seeks conservative growth by investing primarily in fixed income, with the inclusion of some equity and some stable value.

1. Investments in the New York Life Guaranteed Interest Account are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency.


Individual Asset Class Portfolios
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Individual Asset Class Portfolios

Individual Asset Class portfolios allow you to create your own portfolio allocation by selecting from among select asset classes. You can also invest in any number of Individual Asset Class Portfolios alongside other investment in Target Enrollment Year Portfolios:  An investment vehicle that invests based on the year your Beneficiary is expected to begin using the funds for qualified education expenses (i.e., enrollment year). The asset allocation between equities, bonds, and cash automatically adjusts every six months as the enrollment year approaches, providing a consistent risk reduction path for investments along the way. or Risk-based Portfolios:  Investment vehicles featuring the flexibility to choose from among several investment options that may align with your tolerance for risk, your time horizon, and other factors.

Hover over a pie chart below for details. The center of the chart shows Asset Allocation:  A strategy for maximizing gains while minimizing risks in your investment portfolio. Asset allocation involves dividing your assets on a percentage basis among different broad categories of investments, including equity, fixed income, and money market.

Diversified Equity Portfolio

Seeks long‑term capital appreciation by investing its assets in equity investments.

Diversified Fixed Income Portfolio

Seeks low volatility and income from a diversified selection of fixed income investments.

U.S. Value Portfolio

Allocation – 100% Artisan Value Fund (APHLX)

Seeks long-term capital growth through value equity investments, which are those companies that are cash-producing and in strong financial condition, while selling at discounted prices to their expected intrinsic value.

U.S Growth Portfolio

Allocation – 100% T. Rowe Price Large Cap Growth (TRLGX)

Seeks long-term capital growth through growth equity investments, which are those companies with above-average expectations for earnings and cash flow growth.

U.S. Total Stock Market Portfolio

Allocation – 100% Vanguard Total Stock Market Index (VSMPX)

Seeks long-term capital growth through equity investments by tracking the returns of the U.S.
stock market.

Small-Cap Portfolio

Allocation – 100% DFA US Small Cap Portfolio (DFSTX)

Seeks long-term capital growth by investing in smaller companies, or those with low market capitalizations.

Active International Portfolio

Allocation – 100% Dodge & Cox International Stock (DODFX)

Seeks long-term capital growth and income by investing at least 80% of its assets in non-U.S. company equities.

Passive International Portfolio

Allocation – 100% Vanguard Total International Stock Market (VTPSX)

Seeks long-term capital growth through equity investments of developed and emerging non-U.S. companies.

Emerging Markets Portfolio

Allocation – 100% Neuberger Berman Emerging Markets Equity (NREMX)

Seeks exposure to emerging market growth via a high-quality approach.

Long-Term Fixed Income Portfolio

Allocation – 100% Vanguard Long-Term Treasury Index (VLGSX)

Seeks income by tracking the performance of the Bloomberg U.S. Long Treasury Bond Index.

Active Bond Portfolio

Allocation – 100% PIMCO Total Return (PTTRX)

Seeks income from a core bond holding made up of high-quality, intermediate-term bonds.

Passive Bond Portfolio

Allocation – 100% Vanguard Total Bond Market Index (VBMPX)

Seeks to track the performance of a broad, market‑weighted bond index.

High-Yield Fixed Income Portfolio

Allocation – 100% Federated Hermes Institutional High Yield (FIHBX)

Seeks high current income by investing primarily in lower-rated corporate fixed-income securities.

International Fixed Income Portfolio

Allocation – 100% PIMCO International Bond (USD-Hdg) (PFORX)

Seeks maximum total return through the use of intermediate maturity non-U.S. fixed income instruments.

Inflation Protection Portfolio

Allocation – 100% DFA Inflation-Protected Securities (DIPSX)

Seeks to provide inflation protection and earn current income consistent with inflation‑protected securities.

Short-Term Fixed Income Portfolio

Allocation – 100% Baird Short-Term Bond (BSBIX)

Seeks to provide a total return, net of fees, greater than the Bloomberg Barclays 1-3 Year U.S. Government/Credit Bond Index.

Socially Responsible Portfolio

Allocation – Vanguard FTSE Social Index (VFTAX)

Seeks capital growth while investing in large-and-midcapitalization stocks that meet certain environmental, social, and corporate governance (ESG) criteria.

Commodity Portfolio

Allocation – 100% PIMCO Commodity Real Return (PCRIX)

Seeks to capture performance potential of commodities through derivative exposure to the broad-based Bloomberg Commodity Index.

Real Estate Portfolio

Allocation – 100% Vanguard Real Estate Index (VGSLX)

Seeks to provide total return and diversification from stocks and bonds by investing in Real Estate Investment Trusts (REITs).

Capital Preservation Portfolio

Allocation – 100% New York Life Guaranteed Interest

Seeks to provide a stable flow of current income. The current investment selected for this portfolio is the New York Life Guaranteed Interest Account.

1. Investments in the New York Life Guaranteed Interest Account are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency.

View Underlying Investments & Target Asset Allocations

The portfolios and their Underlying Investments:  One or more mutual funds or other investment vehicles in which assets of a portfolio are invested. involve investment risks that are described in the Plan Description. For example, prices of small- and mid-cap stocks often fluctuate more than large-company stocks. There are special risks inherent to international investing, including currency, political, social, and economic risks. Emerging market stocks are generally riskier than stocks in developing countries. Fixed income investing entails interest rate, credit, and inflation risks. Investments in specific industries or sections, such as real estate, have industry concentration risk.

Performance & Prices


Performance
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Performance

       
Month End
Quarter End

Expense Ratio2 Effective Date 01/01/0001

Total Returns1 as of 11/30/2023

Portfolio Name As of 11/30/202309/30/2023 Expense
Ratio1,2		 Inception
Date
Total Returns Average Annual Returns
 1
Month		  3
Month		 YTD 1
Year		 3
Year		 5
Year		 Since
Inception
Target Enrollment Options
2040-2041 7.89% 0.69% 2.50% N/A N/A N/A 2.50% 1.03% 06/30/2023
2040-2041 -3.73% -2.00% -2.00% N/A N/A N/A -2.00% 1.03% 06/30/2023
2038-2039 7.78% 0.68% 14.93% 10.06% N/A N/A 2.22% 1.03% 03/04/2022
2038-2039 -3.78% -2.46% 9.85% 18.78% N/A N/A -0.44% 1.03% 03/04/2022
2036-2037 7.80% 0.68% 14.86% 9.98% N/A N/A 2.05% 1.03% 03/04/2022
2036-2037 -3.79% -2.46% 9.76% 18.56% N/A N/A -0.64% 1.03% 03/04/2022
2034-2035 7.73% 0.59% 14.30% 9.68% N/A N/A 1.77% 1.02% 03/04/2022
2034-2035 -3.80% -2.57% 9.31% 17.94% N/A N/A -0.89% 1.02% 03/04/2022
2032-2033 7.19% 0.50% 12.67% 8.33% N/A N/A 0.80% 0.99% 03/04/2022
2032-2033 -3.67% -2.61% 8.00% 15.71% N/A N/A -1.79% 0.99% 03/04/2022
2030-2031 6.55% 0.40% 10.70% 6.89% N/A N/A -0.40% 0.95% 03/04/2022
2030-2031 -3.44% -2.65% 6.47% 13.15% N/A N/A -2.88% 0.95% 03/04/2022
2028-2029 6.11% 0.41% 8.84% 5.65% N/A N/A -1.56% 0.91% 03/04/2022
2028-2029 -3.20% -2.70% 4.92% 10.61% N/A N/A -3.98% 0.91% 03/04/2022
2026-2027 5.54% 0.21% 6.96% 4.27% N/A N/A -2.72% 0.88% 03/04/2022
2026-2027 -3.05% -2.74% 3.48% 8.09% N/A N/A -5.02% 0.88% 03/04/2022
2024-2025 4.71% 0.21% 5.06% 3.09% N/A N/A -3.84% 0.83% 03/04/2022
2024-2025 -2.58% -2.58% 2.14% 5.70% N/A N/A -5.94% 0.83% 03/04/2022
Enrolled Years 3.68% 0.22% 2.88% 1.75% N/A N/A -4.14% 0.78% 03/04/2022
Enrolled Years -2.16% -2.37% 0.44% 2.49% N/A N/A -6.01% 0.78% 03/04/2022
Risk-based Portfolios
Aggressive Allocation 7.57% 0.80% 13.37% 8.96% N/A N/A 0.52% 1.01% 03/04/2022
Aggressive Allocation -3.60% -2.43% 8.43% 16.41% N/A N/A -2.24% 1.01% 03/04/2022
Balanced Allocation 6.85% 0.50% 11.26% 7.54% N/A N/A -0.11% 0.97% 03/04/2022
Balanced Allocation -3.52% -2.64% 6.80% 13.51% N/A N/A -2.69% 0.97% 03/04/2022
Conservative Allocation 4.58% 0.21% 4.82% 3.08% N/A N/A -3.72% 0.83% 03/04/2022
Conservative Allocation -2.68% -2.68% 1.79% 4.97% N/A N/A -5.88% 0.83% 03/04/2022
Individual Assets Class Portfolios
Diversified Equity 8.25% 0.66% 17.33% 11.89% N/A N/A 3.57% 1.06% 03/04/2022
Diversified Equity -3.98% -2.41% 11.92% 22.32% N/A N/A 0.89% 1.06% 03/04/2022
Diversified Fixed Income 4.07% 0.53% 3.85% 3.28% N/A N/A -3.19% 0.95% 03/04/2022
Diversified Fixed Income -2.02% -1.71% 1.21% 3.25% N/A N/A -5.09% 0.95% 03/04/2022
U.S. Value 6.58% 0.45% 17.68% 12.93% N/A N/A 6.61% 1.44% 03/04/2022
U.S. Value -3.68% -2.37% 12.84% 28.54% N/A N/A 4.51% 1.44% 03/04/2022
U.S. Growth 9.60% 4.24% 39.95% 28.87% N/A N/A 6.01% 1.14% 03/04/2022
U.S. Growth -4.99% -2.04% 27.56% 27.08% N/A N/A 0.57% 1.14% 03/04/2022
U.S. Total Stock Market 9.32% 1.25% 19.05% 11.98% N/A N/A 3.18% 0.61% 03/04/2022
U.S. Total Stock Market -4.79% -3.40% 11.95% 19.78% N/A N/A -0.44% 0.61% 03/04/2022
Small-Cap 8.50% -2.96% 5.59% -0.71% N/A N/A -0.98% 0.86% 03/04/2022
Small-Cap -5.23% -3.90% 3.11% 13.34% N/A N/A -2.56% 0.86% 03/04/2022
Active International 7.50% -0.81% 10.95% 8.98% N/A N/A 5.84% 1.21% 03/04/2022
Active International -2.70% -1.46% 8.84% 26.08% N/A N/A 5.19% 1.21% 03/04/2022
Passive International 8.39% 0.99% 9.90% 7.36% N/A N/A 1.20% 0.66% 03/04/2022
Passive International -3.46% -4.22% 5.06% 20.05% N/A N/A -1.53% 0.66% 03/04/2022
Emerging Markets 6.36% -0.23% 0.93% -2.03% N/A N/A -7.74% 1.71% 03/04/2022
Emerging Markets -2.41% -4.17% -1.28% 5.85% N/A N/A -9.80% 1.71% 03/04/2022
Long-Term Fixed Income 8.95% -3.62% -2.18% -4.14% N/A N/A -17.31% 0.66% 03/04/2022
Long-Term Fixed Income -6.98% -10.47% -5.59% -6.60% N/A N/A -20.77% 0.66% 03/04/2022
Active Bond 4.64% 0.56% 2.03% 1.69% N/A N/A -5.69% 1.05% 03/04/2022
Active Bond -2.56% -2.89% -1.13% 0.69% N/A N/A -8.13% 1.05% 03/04/2022
Passive Bond 4.50% 0.22% 1.57% 0.89% N/A N/A -5.57% 0.62% 03/04/2022
Passive Bond -2.55% -3.19% -1.23% 0.23% N/A N/A -7.79% 0.62% 03/04/2022
High Yield Fixed Income 4.44% 1.65% 8.10% 7.16% N/A N/A -0.69% 1.09% 03/04/2022
High Yield Fixed Income -1.23% 0.42% 5.03% 9.21% N/A N/A -2.56% 1.09% 03/04/2022
International Fixed Income 2.77% 1.58% 5.46% 3.76% N/A N/A -1.97% 1.10% 03/04/2022
International Fixed Income -0.95% -0.42% 2.84% 3.63% N/A N/A -3.72% 1.10% 03/04/2022
Inflation Protection 2.79% -0.11% 0.80% -0.34% N/A N/A -6.89% 0.70% 03/04/2022
Inflation Protection -2.04% -2.70% -1.14% 0.70% N/A N/A -8.73% 0.70% 03/04/2022
Short-Term Fixed Income 1.31% 1.51% 3.71% 3.92% N/A N/A 0.40% 0.89% 03/04/2022
Short-Term Fixed Income -0.10% 0.81% 2.06% 3.12% N/A N/A -0.57% 0.89% 03/04/2022
Socially Responsible 10.17% 2.29% 24.94% 16.78% N/A N/A 4.07% 0.73% 03/04/2022
Socially Responsible -5.06% -3.59% 15.97% 21.79% N/A N/A -0.32% 0.73% 03/04/2022
Commodity -1.29% -2.65% -5.80% -8.35% N/A N/A -9.21% 1.35% 03/04/2022
Commodity -1.27% 4.51% -4.46% -1.15% N/A N/A -9.33% 1.35% 03/04/2022
Real Estate 11.92% 0.00% 1.98% -3.17% N/A N/A -10.39% 0.71% 03/04/2022
Real Estate -7.26% -8.37% -5.43% -1.42% N/A N/A -15.57% 0.71% 03/04/2022
Capital Preservation 0.22% 0.68% 2.40% 2.48% N/A N/A 1.85% 0.59% 03/04/2022
Capital Preservation 0.21% 0.68% 1.93% 2.18% N/A N/A 1.75% 0.59% 03/04/2022
Portfolio Name As of 11/30/202309/30/2023 Expense
Ratio1,2		 Inception
Date
Total Returns Average Annual Returns
 1
Month		  3
Month		 YTD 1
Year		 3
Year		 5
Year		 Since
Inception
Target Enrollment Options
2040-2041 4.91% -2.10% -0.29% N/A N/A N/A -0.29% 1.03% 06/30/2023
2040-2041 -6.40% -4.67% -4.67% N/A N/A N/A -4.67% 1.03% 06/30/2023
2038-2039 4.84% -2.07% 11.72% 7.00% N/A N/A 0.61% 1.03% 03/04/2022
2038-2039 -6.41% -5.16% 6.77% 15.47% N/A N/A -2.17% 1.03% 03/04/2022
2036-2037 4.86% -2.08% 11.64% 6.91% N/A N/A 0.45% 1.03% 03/04/2022
2036-2037 -6.43% -5.17% 6.68% 15.25% N/A N/A -2.36% 1.03% 03/04/2022
2034-2035 4.78% -2.18% 11.10% 6.62% N/A N/A 0.17% 1.02% 03/04/2022
2034-2035 -6.45% -5.28% 6.25% 14.65% N/A N/A -2.61% 1.02% 03/04/2022
2032-2033 4.21% -2.31% 9.62% 5.41% N/A N/A -0.78% 0.99% 03/04/2022
2032-2033 -6.36% -5.26% 5.08% 12.50% N/A N/A -3.49% 0.99% 03/04/2022
2030-2031 3.65% -2.36% 7.70% 3.98% N/A N/A -1.97% 0.95% 03/04/2022
2030-2031 -6.10% -5.35% 3.58% 10.02% N/A N/A -4.57% 0.95% 03/04/2022
2028-2029 3.18% -2.31% 5.88% 2.75% N/A N/A -3.11% 0.91% 03/04/2022
2028-2029 -5.82% -5.35% 2.07% 7.57% N/A N/A -5.65% 0.91% 03/04/2022
2026-2027 2.58% -2.56% 4.04% 1.38% N/A N/A -4.25% 0.88% 03/04/2022
2026-2027 -5.73% -5.44% 0.66% 5.13% N/A N/A -6.67% 0.88% 03/04/2022
2024-2025 1.85% -2.51% 2.19% 0.21% N/A N/A -5.35% 0.83% 03/04/2022
2024-2025 -5.22% -5.22% -0.66% 2.83% N/A N/A -7.58% 0.83% 03/04/2022
Enrolled Years 0.87% -2.52% 0.00% -1.06% N/A N/A -5.65% 0.78% 03/04/2022
Enrolled Years -4.83% -5.03% -2.37% -0.33% N/A N/A -7.64% 0.78% 03/04/2022
Risk-based Portfolios
Aggressive Allocation 4.56% -1.94% 10.27% 5.99% N/A N/A -1.06% 1.01% 03/04/2022
Aggressive Allocation -6.22% -5.11% 5.46% 13.26% N/A N/A -3.93% 1.01% 03/04/2022
Balanced Allocation 3.96% -2.25% 8.24% 4.61% N/A N/A -1.69% 0.97% 03/04/2022
Balanced Allocation -6.17% -5.34% 3.90% 10.37% N/A N/A -4.38% 0.97% 03/04/2022
Conservative Allocation 1.74% -2.50% 1.96% 0.21% N/A N/A -5.24% 0.83% 03/04/2022
Conservative Allocation -5.31% -5.31% -0.98% 2.13% N/A N/A -7.51% 0.83% 03/04/2022
Individual Assets Class Portfolios
Diversified Equity 5.25% -2.12% 14.06% 8.80% N/A N/A 1.94% 1.06% 03/04/2022
Diversified Equity -6.63% -5.06% 8.80% 19.01% N/A N/A -0.87% 1.06% 03/04/2022
Diversified Fixed Income 1.18% -2.28% 0.96% 0.43% N/A N/A -4.72% 0.95% 03/04/2022
Diversified Fixed Income -4.76% -4.36% -1.60% 0.44% N/A N/A -6.74% 0.95% 03/04/2022
U.S. Value 3.61% -2.27% 14.43% 9.82% N/A N/A 4.93% 1.44% 03/04/2022
U.S. Value -6.29% -5.05% 9.72% 24.94% N/A N/A 2.70% 1.44% 03/04/2022
U.S. Growth 6.54% 1.37% 36.16% 25.37% N/A N/A 4.34% 1.14% 03/04/2022
U.S. Growth -7.60% -4.72% 24.11% 23.65% N/A N/A -1.18% 1.14% 03/04/2022
U.S. Total Stock Market 6.34% -1.49% 15.79% 8.87% N/A N/A 1.55% 0.61% 03/04/2022
U.S. Total Stock Market -7.37% -6.05% 8.88% 16.55% N/A N/A -2.17% 0.61% 03/04/2022
Small-Cap 5.47% -5.66% 2.72% -3.44% N/A N/A -2.54% 0.86% 03/04/2022
Small-Cap -7.87% -6.52% 0.31% 10.22% N/A N/A -4.25% 0.86% 03/04/2022
Active International 4.55% -3.50% 7.92% 5.95% N/A N/A 4.18% 1.21% 03/04/2022
Active International -5.33% -4.16% 5.87% 22.65% N/A N/A 3.36% 1.21% 03/04/2022
Passive International 5.37% -1.83% 6.91% 4.40% N/A N/A -0.39% 0.66% 03/04/2022
Passive International -6.15% -6.87% 2.20% 16.75% N/A N/A -3.24% 0.66% 03/04/2022
Emerging Markets 3.45% -3.01% -1.81% -4.71% N/A N/A -9.19% 1.71% 03/04/2022
Emerging Markets -5.13% -6.80% -3.95% 2.91% N/A N/A -11.37% 1.71% 03/04/2022
Long-Term Fixed Income 5.90% -6.27% -4.90% -6.75% N/A N/A -18.61% 0.66% 03/04/2022
Long-Term Fixed Income -9.53% -12.94% -8.21% -9.17% N/A N/A -22.14% 0.66% 03/04/2022
Active Bond 1.80% -2.17% -0.77% -1.10% N/A N/A -7.17% 1.05% 03/04/2022
Active Bond -5.20% -5.51% -3.85% -2.13% N/A N/A -9.72% 1.05% 03/04/2022
Passive Bond 1.69% -2.58% -1.20% -1.84% N/A N/A -7.05% 0.62% 03/04/2022
Passive Bond -5.27% -5.88% -3.93% -2.55% N/A N/A -9.40% 0.62% 03/04/2022
High Yield Fixed Income 1.54% -1.10% 5.11% 4.22% N/A N/A -2.25% 1.09% 03/04/2022
High Yield Fixed Income -3.90% -2.34% 2.13% 6.19% N/A N/A -4.25% 1.09% 03/04/2022
International Fixed Income -0.10% -1.23% 2.55% 0.94% N/A N/A -3.51% 1.10% 03/04/2022
International Fixed Income -3.68% -3.19% 0.00% 0.75% N/A N/A -5.39% 1.10% 03/04/2022
Inflation Protection 0.00% -2.86% -2.00% -3.07% N/A N/A -8.36% 0.70% 03/04/2022
Inflation Protection -4.73% -5.36% -3.88% -2.04% N/A N/A -10.31% 0.70% 03/04/2022
Short-Term Fixed Income -1.47% -1.27% 0.90% 1.10% N/A N/A -1.18% 0.89% 03/04/2022
Short-Term Fixed Income -2.84% -1.98% -0.70% 0.30% N/A N/A -2.30% 0.89% 03/04/2022
Socially Responsible 7.09% -0.56% 21.54% 13.56% N/A N/A 2.43% 0.73% 03/04/2022
Socially Responsible -7.70% -6.22% 12.81% 18.45% N/A N/A -2.05% 0.73% 03/04/2022
Commodity -3.98% -5.38% -8.35% -10.87% N/A N/A -10.64% 1.35% 03/04/2022
Commodity -4.03% 1.66% -7.05% -3.92% N/A N/A -10.91% 1.35% 03/04/2022
Real Estate 8.83% -2.71% -0.84% -5.82% N/A N/A -11.80% 0.71% 03/04/2022
Real Estate -9.78% -10.93% -8.04% -4.13% N/A N/A -17.03% 0.71% 03/04/2022
Capital Preservation -2.53% -2.09% -0.42% -0.34% N/A N/A 0.23% 0.59% 03/04/2022
Capital Preservation -2.54% -2.09% -0.88% -0.63% N/A N/A -0.04% 0.59% 03/04/2022
Portfolio Name As of 11/30/202309/30/2023 Expense
Ratio1,2		 Inception
Date
Total Returns Average Annual Returns
 1
Month		  3
Month		 YTD 1
Year		 3
Year		 5
Year		 Since
Inception
Target Enrollment Options
2040-2041 7.98% 0.88% 2.80% N/A N/A N/A 2.80% 0.78% 06/30/2023
2040-2041 -3.73% -1.90% -1.90% N/A N/A N/A -1.90% 0.78% 06/30/2023
2038-2039 7.86% 0.77% 15.25% 10.37% N/A N/A 2.45% 0.78% 03/04/2022
2038-2039 -3.77% -2.45% 10.06% 19.14% N/A N/A -0.25% 0.78% 03/04/2022
2036-2037 7.86% 0.77% 15.12% 10.25% N/A N/A 2.45% 0.78% 03/04/2022
2036-2037 -3.77% -2.45% 9.93% 18.85% N/A N/A -0.25% 0.78% 03/04/2022
2034-2035 7.70% 0.68% 14.49% 9.87% N/A N/A 1.99% 0.77% 03/04/2022
2034-2035 -3.79% -2.56% 9.40% 18.02% N/A N/A -0.70% 0.77% 03/04/2022
2032-2033 7.14% 0.49% 12.83% 8.63% N/A N/A 1.14% 0.74% 03/04/2022
2032-2033 -3.65% -2.49% 8.19% 16.15% N/A N/A -1.40% 0.74% 03/04/2022
2030-2031 6.49% 0.50% 10.98% 7.40% N/A N/A 0.06% 0.70% 03/04/2022
2030-2031 -3.31% -2.53% 6.76% 13.83% N/A N/A -2.36% 0.70% 03/04/2022
2028-2029 6.07% 0.41% 9.02% 5.84% N/A N/A -1.21% 0.66% 03/04/2022
2028-2029 -3.18% -2.58% 5.12% 10.93% N/A N/A -3.59% 0.66% 03/04/2022
2026-2027 5.50% 0.31% 7.15% 4.58% N/A N/A -2.37% 0.63% 03/04/2022
2026-2027 -2.93% -2.62% 3.69% 8.54% N/A N/A -4.63% 0.63% 03/04/2022
2024-2025 4.67% 0.21% 5.49% 3.52% N/A N/A -3.37% 0.58% 03/04/2022
2024-2025 -2.66% -2.45% 2.46% 6.27% N/A N/A -5.48% 0.58% 03/04/2022
Enrolled Years 3.77% 0.21% 3.09% 2.07% N/A N/A -3.78% 0.53% 03/04/2022
Enrolled Years -2.14% -2.25% 0.66% 2.93% N/A N/A -5.61% 0.53% 03/04/2022
Risk-based Portfolios
Aggressive Allocation 7.53% 0.90% 13.55% 9.15% N/A N/A 0.80% 0.76% 03/04/2022
Aggressive Allocation -3.48% -2.41% 8.62% 16.73% N/A N/A -1.91% 0.76% 03/04/2022
Balanced Allocation 6.79% 0.60% 11.76% 8.05% N/A N/A 0.40% 0.72% 03/04/2022
Balanced Allocation -3.40% -2.42% 7.33% 14.17% N/A N/A -2.11% 0.72% 03/04/2022
Conservative Allocation 4.65% 0.43% 5.35% 3.62% N/A N/A -3.19% 0.58% 03/04/2022
Conservative Allocation -2.55% -2.55% 2.23% 5.65% N/A N/A -5.35% 0.58% 03/04/2022
Individual Assets Class Portfolios
Diversified Equity 8.30% 0.75% 17.58% 12.16% N/A N/A 3.96% 0.81% 03/04/2022
Diversified Equity -3.86% -2.30% 12.20% 22.86% N/A N/A 1.33% 0.81% 03/04/2022
Diversified Fixed Income 4.03% 0.63% 4.38% 3.81% N/A N/A -2.67% 0.70% 03/04/2022
Diversified Fixed Income -1.90% -1.48% 1.75% 3.91% N/A N/A -4.50% 0.70% 03/04/2022
U.S. Value 6.53% 0.36% 17.92% 13.18% N/A N/A 6.99% 1.19% 03/04/2022
U.S. Value -3.75% -2.35% 13.10% 29.07% N/A N/A 4.94% 1.19% 03/04/2022
U.S. Growth 9.55% 4.21% 40.18% 29.12% N/A N/A 6.34% 0.89% 03/04/2022
U.S. Growth -5.06% -2.12% 27.71% 27.39% N/A N/A 0.89% 0.89% 03/04/2022
U.S. Total Stock Market 9.34% 1.33% 19.39% 12.46% N/A N/A 3.68% 0.36% 03/04/2022
U.S. Total Stock Market -4.76% -3.38% 12.22% 20.31% N/A N/A 0.06% 0.36% 03/04/2022
Small-Cap 8.67% -2.85% 5.88% -0.40% N/A N/A -0.58% 0.61% 03/04/2022
Small-Cap -5.20% -3.88% 3.32% 13.65% N/A N/A -2.17% 0.61% 03/04/2022
Active International 7.45% -0.80% 11.10% 9.24% N/A N/A 6.23% 0.96% 03/04/2022
Active International -2.77% -1.54% 8.90% 26.33% N/A N/A 5.56% 0.96% 03/04/2022
Passive International 8.42% 1.08% 10.28% 7.85% N/A N/A 1.71% 0.41% 03/04/2022
Passive International -3.34% -4.09% 5.46% 20.71% N/A N/A -0.95% 0.41% 03/04/2022
Emerging Markets 6.42% -0.11% 1.50% -1.35% N/A N/A -7.13% 1.46% 03/04/2022
Emerging Markets -2.39% -4.02% -0.81% 6.58% N/A N/A -9.20% 1.46% 03/04/2022
Long-Term Fixed Income 9.04% -3.34% -1.63% -3.60% N/A N/A -16.92% 0.41% 03/04/2022
Long-Term Fixed Income -6.81% -10.28% -5.16% -6.06% N/A N/A -20.41% 0.41% 03/04/2022
Active Bond 4.71% 0.66% 2.59% 2.24% N/A N/A -5.15% 0.80% 03/04/2022
Active Bond -2.54% -2.75% -0.67% 1.26% N/A N/A -7.59% 0.80% 03/04/2022
Passive Bond 4.58% 0.33% 2.12% 1.44% N/A N/A -5.03% 0.37% 03/04/2022
Passive Bond -2.52% -3.06% -0.78% 0.79% N/A N/A -7.26% 0.37% 03/04/2022
High Yield Fixed Income 4.61% 1.83% 8.82% 7.88% N/A N/A -0.06% 0.84% 03/04/2022
High Yield Fixed Income -1.22% 0.62% 5.56% 9.86% N/A N/A -1.98% 0.84% 03/04/2022
International Fixed Income 2.77% 1.69% 5.58% 3.88% N/A N/A -2.02% 0.85% 03/04/2022
International Fixed Income -0.84% -0.21% 2.95% 3.63% N/A N/A -3.79% 0.85% 03/04/2022
Inflation Protection 2.77% -0.11% 1.25% 0.11% N/A N/A -6.41% 0.45% 03/04/2022
Inflation Protection -2.02% -2.56% -0.68% 1.27% N/A N/A -8.19% 0.45% 03/04/2022
Short-Term Fixed Income 1.30% 1.60% 4.10% 4.42% N/A N/A 0.86% 0.64% 03/04/2022
Short-Term Fixed Income 0.00% 1.01% 2.46% 3.63% N/A N/A -0.06% 0.64% 03/04/2022
Socially Responsible 10.29% 2.46% 25.64% 17.46% N/A N/A 4.68% 0.48% 03/04/2022
Socially Responsible -5.01% -3.46% 16.47% 22.44% N/A N/A 0.25% 0.48% 03/04/2022
Commodity -1.28% -2.63% -5.66% -8.11% N/A N/A -8.91% 1.10% 03/04/2022
Commodity -1.26% 4.48% -4.33% -0.81% N/A N/A -9.00% 1.10% 03/04/2022
Real Estate 11.95% 0.00% 2.46% -2.68% N/A N/A -9.89% 0.46% 03/04/2022
Real Estate -7.43% -8.42% -5.16% -1.03% N/A N/A -15.15% 0.46% 03/04/2022
Capital Preservation 0.24% 0.73% 2.58% 2.69% N/A N/A 2.16% 0.34%2 03/04/2022
Capital Preservation 0.23% 0.74% 2.07% 2.43% N/A N/A 2.07% 0.34% 03/04/2022

The performance data quoted represents past performance, which does not guarantee future results. The investment return and principal value of an investment will fluctuate so that an investor’s units, when redeemed, may be worth more or less than the original cost. Current performance may be lower or higher than the performance quoted.

Performance data for each portfolio are based on the total return of a hypothetical account, net of the LoneStar 529 Plan program and administration fees.

Portfolio returns for periods less than 1 year are cumulative and are not annualized.

1. Expense ratios for each of the portfolios include underlying investment expenses and plan fees.

2. Although there are no investment expenses associated with the Capital Preservation Portfolio, the yield of the underlying investment, New York Life GIA (“GIA”) is reduced by 0.10% to compensate New York Life for operating, administrative, and marketing costs. This will reduce the return of the portfolios that invest in the GIA. The interest rate (Crediting Rate) for the GIA resets every six months on January 1 and July 1. The Net Crediting Rate for the GIA is currently 3.10%.

1512-NLD-05052022


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Prices

You may see historical pricing and compare portfolios by selecting individual portfolios below.

   

Portfolio Prices as of 11/30/2023

Portfolio Name Class A Class RIA Class A Historical Price Class RIA Historical Price
NAV MOP Expense Ratio1 NAV Expense Ratio1
Unit Value Daily Change Unit Value Daily Change
Target Enrollment Options
2040-2041 Portfolio 10.25 0.02 10.54 1.03% 10.25 0.02 0.78%
2038-2039 Portfolio 10.39 0.02 10.68 1.03% 10.43 0.02 0.78%
2036-2037 Portfolio 10.36 0.02 10.65 1.03% 10.43 0.02 0.78%
2034-2035 Portfolio 10.31 0.02 10.60 1.02% 10.35 0.02 0.77%
2032-2033 Portfolio 10.14 0.01 10.43 0.99% 10.20 0.01 0.74%
2030-2031 Portfolio 9.93 0.00 10.21 0.95% 10.01 0.00 0.70%
2028-2029 Portfolio 9.73 0.00 10.01 0.91% 9.79 0.00 0.66%
2026-2027 Portfolio 9.53 -0.01 9.80 0.88% 9.59 -0.01 0.63%
2024-2025 Portfolio 9.34 -0.01 9.60 0.88% 9.42 -0.01 0.58%
Enrolled Years Portfolio 9.29 -0.02 9.55 0.78% 9.35 -0.02 0.53%
Risk-based Portfolios
Aggressive Allocation Portfolio 10.09 0.02 10.38 1.01% 10.14 0.02 0.76%
Balanced Allocation Portfolio 9.98 0.01 10.26 0.97% 10.07 0.01 0.72%
Conservative Allocation Portfolio 9.36 -0.02 9.62 0.83% 9.45 -0.01 0.58%
Individual Assets Class Portfolios
Diversified Equity Portfolio 10.63 0.03 10.93 1.06% 10.70 0.03 0.81%
Diversified Fixed Income Portfolio 9.45 -0.02 9.72 0.95% 9.54 -0.03 0.70%
U.S. Value Portfolio 11.18 0.02 11.50 1.44% 11.25 0.01 1.19%
U.S. Growth Portfolio 11.07 0.00 11.38 1.14% 11.13 0.00 0.89%
U.S. Total Stock Market Portfolio 10.56 0.04 10.86 0.61% 10.65 0.04 0.36%
Small-Cap Portfolio 9.83 0.04 10.11 0.86% 9.90 0.04 0.61%
Active International Portfolio 11.04 0.03 11.35 1.21% 11.11 0.03 0.96%
Passive International Portfolio 10.21 0.01 10.50 0.66% 10.30 0.01 0.41%
Emerging Markets Portfolio 8.69 0.04 8.94 1.71% 8.79 0.04 1.46%
Long-Term Fixed Income Portfolio 7.18 -0.08 7.38 0.66% 7.24 -0.08 0.41%
Active Bond Portfolio 9.03 -0.03 9.29 1.05% 9.12 -0.04 0.80%
Passive Bond Portfolio 9.05 -0.02 9.31 0.62% 9.14 -0.02 0.37%
High Yield Fixed Income Portfolio 9.88 -0.01 10.16 1.09% 9.99 -0.01 0.84%
International Fixed Income Portfolio 9.66 -0.02 9.93 1.10% 9.65 -0.02 0.85%
Inflation Protection Portfolio 8.83 -0.02 9.08 0.70% 8.91 -0.03 0.45%
Short-Term Fixed Income Portfolio 10.07 0.00 10.35 0.89% 10.15 0.00 0.64%
Socially Responsible Portfolio 10.72 0.03 11.02 0.73% 10.83 0.04 0.48%
Commodity Portfolio 8.45 -0.07 8.69 1.35% 8.50 -0.07 1.10%
Real Estate Portfolio 8.26 0.06 8.49 0.71% 8.34 0.07 0.46%
Capital Preservation Portfolio 10.3239 0.0008 10.6118 0.59%2 10.3799 0.0008 0.34%2

1. Expense ratios for each of the portfolios include underlying investment expenses and plan fees.

2. Although there are no investment expenses associated with the Capital Preservation Portfolio, the yield of the underlying investment, New York Life GIA (“GIA”) is reduced by 0.10% to compensate New York Life for operating, administrative, and marketing costs. This will reduce the return of the portfolios that invest in the GIA. The interest rate (Crediting Rate) for the GIA resets every six months on January 1 and July 1. The Net Crediting Rate for the GIA is currently 3.10%.