CTCMX

About CTCMX

SC Future Scholar Advisor 529 Age-Based Conservative 4-5 Years C is a college savings plan investment portfolio offered through the South Carolina Future Scholar 529 program. As an age-based conservative option tailored for beneficiaries aged 4 to 5 years, its primary function is to allocate assets in a manner that emphasizes capital preservation and risk reduction while maintaining reasonable growth potential as college approaches. The portfolio utilizes a diversified, multi-manager strategy that typically includes a larger proportion of fixed income and cash-equivalent investments, complemented by a modest allocation to equities. This approach aligns with the shorter time horizon before educational expenses begin, aiming to shield savings from significant market volatility. The portfolio is part of a broader suite of age-based and risk-targeted investment options within the Future Scholar 529 plan, managed by Columbia Threadneedle Investments. It offers significant tax advantages, flexibility in contributions, and estate planning benefits under federal tax code Section 529, serving families and account owners focused on disciplined, tax-efficient college funding strategies for young children.