Table: Unlocking the Funds

Here's how you can adjust your college-savings

asset mix as you get closer to paying tuition bills:*

MONEY CHILD'S AGE STOCKS BONDS MARKET

12 40% 60% 0% 14 30% 70% 0% 16 20% 70% 10% 18 15% 40% 45%

* Based on New York's Section 529 college-savings plan

DATA: TIAA-CREF

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