Target-Date Solutions
Expanded Choice to Suit Different Plan Needs
American Century Investments® recognizes that one target-date solution cannot meet the needs of all plan sponsors, and therefore offer multiple options to choose from. All of our options are built on our time-tested philosophy and process.
Pursues a smoother investor journey through a flatter glide path.
Focuses on providing better outcomes for tomorrow by managing across the entire market cycle.
Options that allow clients to find the right fit for plan needs.
As one of the longest-running target-date providers in the industry, American Century Investments has proudly offered retirement solutions for over 20 years.
As of August 31, 2024, out of 51 total mutual fund target-date strategies listed in Morningstar, there were only 5 other strategies with a 20-year track record.
Investment Options
One Choice® Target Date Portfolios
An Intentionally Moderate Approach
Our more moderate, risk-balanced approach seeks to mitigate losses. This can generate a smoother path of investment returns that may lead to better outcomes over time for more investors.
As of 12/31/2023.
Moderate equity allocations in the accumulation years.
Flatter glide path during the "transition risk zone."
A 45% equity allocation at retirement to balance growth risk versus market risk.
The target date in a fund's name is the approximate year when investors plan to retire or start withdrawing their money. The principal value of the investment is not guaranteed at any time, including at the target date.
Each target-date fund seeks the highest total return consistent with American Century Investments' proprietary asset mix. Over time, the asset mix and weightings are adjusted to be more conservative. In general, as the target year approaches, the portfolio's allocation becomes more conservative by decreasing the allocation to stocks and increasing the allocation to bonds and cash equivalents.
One Choice® Blend+ Portfolios
Growth-Oriented Tilt for a More Risk-Tolerant Demographic
As of 12/31/2023.
Industry Average Glide Path Data as of 12/31/2023. Source: Fund prospectuses and websites, Morningstar.
Early/mid-career glide path seeks higher growth for more risk-tolerant populations.
Flattening glide path near retirement seeks to reduce sequence-of-returns risk.
Lower and later landing point recognizes a phased transition to full retirement.
A One Choice Blend+ Target Date Portfolio's target date is the approximate year when investors plan to retire or start withdrawing their money. The principal value of the investment is not guaranteed at any time, including at the target date.
Each target-date One Choice Blend+ Target Date Portfolio seeks the highest total return consistent with American Century Investments' proprietary asset mix. Over time, the asset mix and weightings are adjusted to be more conservative by decreasing the allocation to stocks and increasing the allocation to bonds and short-term investments. The portfolios reach their most conservative allocation approximately five years after the target date.
Co-Manufactured Solutions
American Century® Retirement Date Hybrid Strategy
Exclusively for Empower clients.
American Century® Retirement Readiness Strategy
Exclusively for Nationwide clients.
Collective investment trusts are available only to certain institutional accounts. For additional information, please contact your American Century Investments retirement specialist at 1-800-345-6488.
Effective September 30, 2024, the funds that serve as the underlying investment funds of the American Century Retirement Date Trust were renamed One Choice Target Date Trusts.
This information is for educational purposes only and is not intended as investment or tax advice.
Diversification does not assure a profit nor does it protect against loss of principal.
Fees are subject to change.
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