Ready-Made, Risk-Based Portfolios

Risk-based options allow you to invest based on your risk tolerance. Whether you seek aggressive growth or are conservative in your approach to investing, find several options along the continuum of risk that best suits your risk tolerance and goals.

If you want a ready-made, diversified investment portfolio that matches your risk-tolerance, you might be interested in the Ready-Made, Risk-Based Portfolios managed by Vanguard. These passive index-based portfolios contain the same underlying investments as the Vanguard Age-Based Portfolios, but no automatic exchanges occur as your child gets closer to college age. If you want to adjust your risk tolerance from more aggressive options to lower-risk options as your child grows, you will need to initiate such exchanges to your investment allocations. Exchanges are limited to twice per year.

Risk-Based Options Investment Objective Underlying Investments And Asset Allocation
Vanguard Aggressive Growth Index Portfolio Show Details Seeks to provide capital appreciation.
  • 40% Vanguard Total International Stock Index Fund
  • 60% Vanguard Institutional Total Stock Market Index Fund
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Vanguard Aggressive Growth Index Portfolio - Investment Strategy

The Vanguard Aggressive Growth Index Portfolio invests 100% of its assets in two Vanguard stock index funds. The percentages of the Portfolio's assets allocated to each Vanguard underlying mutual fund are:

  • Vanguard Institutional Total Stock Market Index Fund 60%
  • Vanguard Total International Stock Index Fund 40%

Allocations to each Vanguard fund are static (+/-1%).

Vanguard Growth Index Portfolio Show Details Seeks to provide capital appreciation and low to moderate income.
  • 30% Vanguard Total International Stock Index Fund
  • 45% Vanguard Institutional Total Stock Market Index Fund
  • 7.5% Vanguard Total International Bond Index Fund
  • 17.5% Vanguard Total Bond Market II Index Fund
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Vanguard Growth Index Portfolio - Investment Strategy

The Vanguard Growth Index Portfolio invests in two Vanguard stock index funds and two Vanguard bond index funds resulting in an allocation of 75% of assets to stocks and 25% of assets to investment-grade bonds. The percentages of the Portfolio's assets allocated to each Vanguard underlying mutual fund are:

  • Vanguard Institutional Total Stock Market Index Fund ​45.0%
  • Vanguard Total International Stock Index Fund ​30.0%
  • Vanguard Total Bond Market II Index Fund 17.5%
  • Vanguard Total International Bond Index Fund 7.5%

Allocations to each Vanguard fund are static (+/-1%).

Vanguard Moderate Growth Index Portfolio Show Details Seeks to provide capital appreciation and current income.
  • 20% Vanguard Total International Stock Index Fund
  • 30% Vanguard Institutional Total Stock Market Index Fund
  • 15% Vanguard Total International Bond Index Fund
  • 35% Vanguard Total Bond Market II Index Fund
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Vanguard Moderate Growth Index Portfolio - Investment Strategy

The Vanguard Moderate Growth Index Portfolio invests in two Vanguard stock index funds and two Vanguard bond index funds resulting in an allocation of 50% of assets to stocks and 50% of assets to investment-grade bonds. The percentages of the Portfolio’s assets allocated to each Vanguard underlying mutual fund are:

  • Vanguard Institutional Total Stock Market Index Fund 30%
  • Vanguard Total International Stock Index Fund 20%
  • Vanguard Total Bond Market II Index Fund 35%
  • Vanguard Total International Bond Index Fund 15%

Allocations to each Vanguard fund are static (+/-1%).

Vanguard Conservative Growth Index Portfolio Show Details Seeks to provide income and low to moderate capital appreciation.
  • 10% Vanguard Total International Stock Index Fund
  • 15% Vanguard Institutional Total Stock Market Index Fund
  • 22.5% Vanguard Total International Bond Index Fund
  • 52.5% Vanguard Total Bond Market II Index Fund
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Vanguard Conservative Growth Index Portfolio - Investment Strategy

The Vanguard Conservative Growth Index Portfolio invests in two Vanguard bond index fund and two Vanguard stock index funds resulting in an allocation of 75% of assets to investment-grade bonds and 25% of assets to stocks. The percentages of the Portfolio's assets allocated to each Vanguard underlying mutual fund are:

  • Vanguard Total Bond Market II Index Fund 52.5%
  • Vanguard Total International Bond Index Fund 22.5%
  • Vanguard Institutional Total Stock Market Index Fund 15%
  • Vanguard Total International Stock Index Fund 10%

Allocations to each Vanguard fund are static (+/-1%).

Vanguard Income Portfolio Show Details Seeks to provide current income
  • 22.5% Vanguard Total International Bond Index Fund
  • ​34.5% Vanguard Total Bond Market II Index Fund
  • 18% Vanguard Short-Term Inflation-Protected Securities Index Fund
  • 25% Vanguard ​Federal Money Market Fund
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Vanguard Income Portfolio - Investment Strategy

The Vanguard Income Portfolio invests in two Vanguard bond funds and one Vanguard money market fund resulting in an allocation of 75% of assets to investment-grade bonds and 25% of assets to money market instruments. The percentages of the Portfolio’s assets allocated to each Vanguard underlying mutual fund are:

  • Vanguard Total Bond Market II Index Fund ​34.5%
  • Vanguard Total International Bond Index Fund ​22.5%
  • Vanguard Short-Term Inflation-Protected Securities Index Fund 18%
  • Vanguard ​Federal Money Market Fund 25%

Allocations to each Vanguard fund are static (+/-1%).

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