Oklahoma 529 College Savings Plan (OCSP)

Age-Based Investment Options

This is the simple, all-in-one investment option, which changes from a growth strategy when your child is young to hold strategy as their college years approach.

You don’t need to be a savvy investor to participate in the Oklahoma 529 College Savings Plan (OCSP). It’s not about choosing ‘the right’ investment, it’s about choosing the investment that’s right for you. For many people, an Age-Based Investment Option can be that choice. Because it automatically shifts from aggressive-to-conservative investments as your child ages, you maximize the opportunities of your investment horizon without needing to manually rebalance your investment options each year.

Changing Your Investments

Once you invest in a particular investment option, you can transfer contributions and any earnings to another investment option up to twice per calendar year or upon a transfer of funds to a OCSP account for a different beneficiary.

Periodically Review Your Investments

It’s a good idea to periodically re-evaluate your investment strategy as your goals, investment horizon, and personal situation change — for example, annually at tax time, on a yearly basis if your income changes, or upon the birth of another child.


How Age-Based Investment Options Work

The Age-Based Investment Option seeks to match the investment objective and level of risk to the investment horizon by factoring in the child’s current age and the number of years before they turn 18. Depending on this age, contributions to these Investment Options will be placed in various age bands, each of which has a different investment objective and investment strategy.

As discussed in more detail below, the age bands for younger Beneficiaries seek a favorable long-term return by primarily investing in mutual funds that primarily invest in equity and real estate securities, which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest in equity and real estate securities and more in mutual funds that invest in debt securities and in other investments that seek to preserve principal.

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Conservative Managed Allocation Option

(Risk level shifts from aggressive to conservative)

Age-Based Investment Options
BENEFICIARY'S AGE ALLOCATION INVESTMENT OPTION OBJECTIVE
0‑3 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  65.00%Equities
  35.00%Bonds
    0.00%Money Market
Read More X

View Underlying Mutual Funds

4‑7 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  55.00%Equities
  45.00%Bonds
    0.00%Money Market
Read More X

View Underlying Mutual Funds

8‑11 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  45.00%Equities
  55.00%Bonds
    0.00%Money Market
Read More X

View Underlying Mutual Funds

12‑14 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  30.00%Equities
  70.00%Bonds
    0.00%Money Market
Read More X

View Underlying Mutual Funds

15‑17 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  15.00%Equities
  75.00%Bonds
  10.00%Money Market
Read More X

View Underlying Mutual Funds

18+ YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

    0.00%Equities
  80.00%Bonds
  20.00%Money Market
Read More X

View Underlying Mutual Funds

Moderate Managed Allocation Option

(Risk level shifts from aggressive to conservative)

Age-Based Investment Options
BENEFICIARY'S AGE ALLOCATION INVESTMENT OPTION OBJECTIVE
0‑3 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  80.00%Equities
  20.00%Bonds
    0.00%Money Market
Read More X

View Underlying Mutual Funds

4‑7 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  70.00%Equities
  30.00%Bonds
    0.00%Money Market
Read More X

View Underlying Mutual Funds

8‑11 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  55.00%Equities
  45.00%Bonds
    0.00%Money Market
Read More X

View Underlying Mutual Funds

12‑14 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  45.00%Equities
  55.00%Bonds
    0.00%Money Market
Read More X

View Underlying Mutual Funds

15‑17 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  30.00%Equities
  70.00%Bonds
    0.00%Money Market
Read More X

View Underlying Mutual Funds

18+ YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  20.00%Equities
  70.00%Bonds
  10.00%Money Market
Read More X

View Underlying Mutual Funds

Aggressive Managed Allocation Option

(Risk level shifts from aggressive to conservative)

Age-Based Investment Options
BENEFICIARY'S AGE ALLOCATION INVESTMENT OPTION OBJECTIVE
0‑3 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  100.00%Equities
      0.00%Bonds
      0.00%Money Market
Read More X

View Underlying Mutual Funds

4‑7 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  80.00%Equities
  20.00%Bonds
    0.00%Money Market
Read More X

View Underlying Mutual Funds

8‑11 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  70.00%Equities
  30.00%Bonds
    0.00%Money Market
Read More X

View Underlying Mutual Funds

12‑14 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  55.00%Equities
  45.00%Bonds
    0.00%Money Market
Read More X

View Underlying Mutual Funds

15‑17 YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  45.00%Equities
  55.00%Bonds
    0.00%Money Market
Read More X

View Underlying Mutual Funds

18+ YEARS
Investment Objective. The age-based Investment Options seek to match the investment objective and level of risk to the investment horizon by taking into account the Beneficiary’s current age and the number of years before the Beneficiary turns 18.

Investment Strategy. Depending on the Beneficiary’s age, contributions to these Investment Options will be placed in one of six age bands, each of which has a different investment objective and investment strategy. The age bands for younger Beneficiaries seek a favorable long-term return by investing in mutual funds that primarily invest in equity securities (including real estate securities), which may have greater potential for returns than debt securities, but which also have greater risk than debt securities. As a Beneficiary nears college age, the age bands invest less in mutual funds that invest primarily in equity securities (including real estate securities) and more in mutual funds that invest primarily in debt securities.

As the Beneficiary ages, assets in your Account invested in an age-based Investment Option are moved from one age band to the next on the first “Rolling Date” following the Beneficiary’s fourth, eighth, twelfth, fifteenth and eighteenth birthdays. The Rolling Dates are March 20, June 20, September 20 and December 20 (or the first business day thereafter).

Each age band invests in multiple mutual funds to varying degrees. The percentage of each age band’s assets allocated to each mutual fund is set forth below.

  30.00%Equities
  70.00%Bonds
    0.00%Money Market
Read More X

View Underlying Mutual Funds