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Wide ranging allocations
Some plans offer 4 or more risk levels from which to choose. Iowa's plan, managed by Vanguard, offers four choices ranging from a moderate allocation in Track A to a very conservative allocation in Track D. The College Savings Plan of Nebraska, managed by Union Bank and Trust, has a similar range in its set of four risk levels.
Ohio's Vanguard age-based option comes in three relatively-conservative risk levels very similar to those found among Upromise-managed programs in other states. Ohio also offers a Putnam-managed age-based option. The Putnam options have significant variation in stock exposure among its three risk levels.
The 529 plan in North Carolina offers the extremes in age-based modeling. With one year to go before college, the Seligman-managed portfolios in North Carolina have 52% in stocks, dropping to 38% for college freshman, and ending at 24% for college sophomores and older. North Carolina also offers The V Fund options (V presumably stands for Vanguard) with three risk levels, the most conservative level having 0% stock exposure at age 18 and the aggressive and moderate levels having 25% stock exposure at that age.
Utah's five risk levels are even more diverse. While the most conservative level (Option 9) has no stock exposure beginning at age 16, the most aggressive level (Option 3) has 75% in stocks at age 16 dropping to 65% for beneficiaries in college.
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