Work with Your Financial Adviser To Determine a Plan.

If you have started to invest for your child’s college education, congratulations! If not, or if you need to invest more, there is still time. But the best time to start is now. Right now. The sooner you invest, the more you can put time to work for you-and not against you, and your financial adviser can help.

In general, the types of investments you select should depend on your child’s age. The more years you have until your child enters college, the more you can invest in growth-oriented investments like stocks. While stocks fluctuate in value and are generally more volatile than other types of investments, historically, over time, they’ve helped investors’ money grow faster than any other type of investment.*

Please note: The following investment allocations are offered as very general guidelines. The actual percentages should reflect your specific financial situation, investment objectives and risk tolerance.

Age 5 and under 100% stocks
For a newborn or very young child, for whom college is at least 13 years away, you may wish to consider investing entirely in stocks.

Age 6-10 75% stocks / 25% bonds
With 12 to 8 years left until college, it may by wise to begin to add a conservative component to your investment. That means investing a smaller portion of your college-bound money in income-producing bonds.

Age 11-14 50% stocks / 50% bonds
With 4 to 7 years until college, a balance between stocks and bonds may be appropriate.

Age 15 and over 60% bonds / 40% money market securities
At this point in time, with college relatively imminent, it’s important to focus away from growth to preserving the value of your investment. As a result, your money should generally be invested in bonds and money market securities to help reduce the risk of loss.**

*Source: S&P 500
** An investment in money market funds is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although money market funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in these funds.

The Earlier the Better

By investing early and putting time to work for you, you take advantage of compounding. This simple strategy can help magnify results over time by reinvesting investment earnings. Just look at how an initial one-time investment of $10,000 can grow to $67,275 in 20 years through compounding.

This hypothetical investment scenario is for illustration only and is not indicative of past or future performance of any particular investment. All earnings are reinvested. Actual returns and principal value will vary and would be reduced by any applicable taxes.

The MTB Funds Give You a Convenient, Affordable Way to Invest For a Child’s College Education.

Whether your college goal is aggressive, conservative, or somewhere in between, the MTB Funds give you access to diversified, professionally managed portfolios of stocks, bonds, and money market securities—with an investment style you can be comfortable with. Of course, you will enjoy all the advantages that have made mutual funds an American institution.

• Diversification that can help reduce your overall risk*
• Professionals who manage your investment
• Exchanges among funds**

If you’re interested in a one-decision approach to asset allocation, the MTB Managed Allocation Portfolios give you access to a conservative, moderate or aggressive investment mix.

And our systematic investment plan can help make college investing a habit (and as painless as possible).

Order our College Planning Guide to help you in setting up and achieving a college savings goal by calling 1-800-836-2211.

* Diversification does not assure a profit or protect against loss.
** This ability to exchange may be modified or discontinued at any time.

Systematic investing does not assure a profit or protect against loss in declining markets.