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Investment Options

IAble offers choices for every investor with a range of six risk-based Investment Options to match both your goals and comfort with risk. You can choose a single option or a blend of all six options in addition to the Checking Account Option.

Aggressive

Aggressive Pie Chart: 90% Stocks, 10% Bonds

Objective

The Aggressive Option seeks to provide long-term capital appreciation with very low income potential.

Strategy

The Investment Option invests in four Vanguard stock index funds, one Schwab index ETF, two Vanguard bond index funds, one American Funds bond fund and one BlackRock (iShares) bond index fund. Through its investment in these Underlying Investments, the Investment Option allocates approximately 90% of its assets to stocks and 10% of its assets to investment-grade bonds.

Risks

The Investment Option has a number of investment related risks. For a list and descriptions of the risks associated with the Vanguard funds, BlackRock funds, American Funds and Schwab funds, see Explanations of Investment Risk Factors, in the Plan Disclosure Booklet.

Aggressive Price History

 

Moderately Aggressive

Moderately Aggressive Pie Chart - 25% Bonds, 75% Stocks

Objective

The Moderately Aggressive Option seeks to provide long-term capital appreciation with low income potential.

Strategy

The Investment Option invests in four Vanguard stock index funds, one Schwab index ETF, three Vanguard bond index funds, one American Funds bond fund and one BlackRock (iShares) bond index fund. Through its investment in these Underlying Investments, the Investment Option allocates approximately 75% of its assets to stocks and 25% of its assets to investment-grade bonds.

Risks

The Investment Option has a number of investment related risks. For a list and descriptions of the risks associated with the Vanguard funds, BlackRock funds, American Funds and Schwab funds, see Explanations of Investment Risk Factors in the Plan Disclosure Booklet.

Moderately Aggressive Price History

 

Growth Option

Growth Pie Chart - 40% Bonds, 60% Stocks

Objective

The Growth Option seeks to provide capital appreciation and low current income.

Strategy

The Investment Option invests in four Vanguard stock index funds, one Schwab index ETF, three Vanguard bond index funds and one BlackRock (iShares) bond index fund. Through its investment in these Underlying Investments, the Investment Option allocates approximately 60% of its assets to stocks and 40% of its assets to investment-grade bonds.

Risks

This Investment Option has a number of investment related risks. For a list and descriptions of the risks associated with the Vanguard funds, BlackRock funds and Schwab funds, see Explanations of Investment Risk Factors in the Plan Disclosure Booklet.

Growth Price History

 

Moderate Option

Moderate Pie Chart - 55% Bonds, 45% Stocks

Objective

The Moderate Option primarily seeks to provide capital appreciation and secondarily provide moderate current income.

Strategy

The Investment Option invests in four Vanguard stock index funds, one Schwab index ETF, three Vanguard bond index funds and one BlackRock (iShares) bond index fund. Through its investment in these Underlying Investments, the Investment Option allocates approximately 45% of its assets to stocks and 55% of its assets to investment-grade bonds.

Risks

This Investment Option has a number of investment related risks. For a list and descriptions of the risks associated with the Vanguard funds, BlackRock funds and Schwab funds, see Explanations of Investment Risk Factors in the Plan Disclosure Booklet.

Moderate Price History

 

Moderately Conservative

Moderately Conservative Pie Chart - 45% Bonds, 30% Stocks, 25% Cash

Objective

The Moderately Conservative Option seeks to provide moderate current income and low capital appreciation and moderate capital preservation.

Strategy

The Investment Option invests in four Vanguard stock index funds, one Schwab index ETF, three Vanguard bond index funds, one BlackRock (iShares) bond index fund and a Sallie Mae High Yield Savings Account. Through its investment in these Underlying Investments, the Investment Option allocates approximately 30% of its assets to stocks, 45% of its assets to investment-grade bonds and 25% to cash.

Risks

This Investment Option has a number of investment related risks. For a list and descriptions of the risks associated with the Vanguard funds, BlackRock funds and Schwab funds, see Explanations of Investment Risk Factors in the Plan Disclosure Booklet.

Moderately Conservative Price History

 

Conservative

Moderately Conservative Pie Chart - 30% Bonds, 10% Stocks, 60% Cash

Objective

The Conservative Option seeks to provide substantial capital preservation, limited current income and very low capital appreciation.

Strategy

The Investment Option invests in four Vanguard stock index funds, one Schwab index ETF, three Vanguard bond index funds, one BlackRock (iShares) bond index fund and a Sallie Mae High Yield Savings Account. Through its investment in these Underlying Investments, the Investment Option allocates approximately 10% of its assets to stocks, 30% of its assets to investment-grade bonds and 60% to cash.

Risks

This Investment Option has a number of investment related risks. For a list and descriptions of the risks associated with the Vanguard funds, BlackRock funds and Schwab funds, see Explanations of Investment Risk Factors in the Plan Disclosure Booklet.

Conservative Price History

State Treasurer's Office
Capitol Building
Des Moines, IA 50319

888-609-8910

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For more information about IAble (the "Member Plan"), call (888) 609-8910, or visit https://www.IAble.gov to obtain a Plan Disclosure Booklet, which includes investment objectives, risks, charges, expenses, and other important information; read and consider it carefully before investing.

Before investing in any qualified ABLE program, you should consider whether your home state offers a qualified ABLE program that provides its taxpayers with favorable state tax and other benefits that are only available through investment in the home state's qualified ABLE program. You also should consult your financial, tax, or other adviser to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. You also may wish to directly contact your home state's qualified ABLE program, or any other qualified ABLE program, to learn more about those plans' features, benefits and limitations. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision.

The Member Plan is sponsored by the state of Iowa and administered by Treasurer of the State. The Member Plan is one of the qualified ABLE plans issued by the Ascensus ABLE Consortium Trust. Ascensus College Savings Recordkeeping Services, LLC, the Program Manager, and its affiliates have overall responsibility for the day-to-day operations, including investment advisory, recordkeeping and administrative services. The Member Plan offers a series of Investment Options within the Ascensus ABLE Consortium Trust. The Member Plan is intended to operate as a qualified ABLE plan to be used only to save for Qualified Disability Expenses, pursuant to the Section 529A of the U.S. Internal Revenue Code, as amended.

This material is provided for general and educational purposes only, and is not intended to provide legal, tax or investment advice, or for use to avoid penalties that may be imposed under federal or state tax laws. This material is not an offer to sell or a solicitation of an offer to buy any securities. Participation in the Member Plan does not guarantee that contributions and the investment return on contributions, if any, will be adequate to cover future expenses or that an Account Owner is eligible to participate in the Member Plan.

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© 2023 IAble. All rights reserved.