CCTHX

About CCTHX

Columbia Conservative Track Ages 0-3 Class C is a mutual fund within the Future Scholar 529 College Savings Plan, specifically designed for education savings for children ages 0 to 3. Its primary purpose is to help families accumulate funds for future higher education expenses by providing a professionally managed, age-based investment option with a conservative risk profile. The fund allocates assets predominantly to equities—about 70% as of early 2024—with the remainder in bonds, aiming to balance growth potential with risk moderation for very young beneficiaries. The allocation gradually shifts to more conservative investments as the child ages, reflecting the decreasing time horizon to college. Columbia Conservative Track Ages 0-3 Class C is part of a suite of portfolios that adapt asset mixes by age, enabling systematic risk reduction over time. As a 529 plan investment, it offers unique tax benefits and plays a crucial role for families in long-term education financial planning, impacting the education and financial planning sector by enabling tax-advantaged growth dedicated to qualified education expenses.