One Choice Portfolios®
The Power of One
Our signature One Choice Portfolios offer automatically diversified solutions—based on time or risk. Just one selection to make for your portfolio, and the guesswork goes away.
Find the One Choice Portfolio That Fits You
Whether you choose our target-date or target-risk portfolios, you get instant diversification and professional management by our experts.
Simply select the target date closest to when you expect to retire and get a fully diversified portfolio managed across various market conditions—both the highs and the lows.
As the target date approaches, the fund will become more conservative, right when you need it most—before retirement.
Learn how our experts balance different risks to help manage losses in each of our target-date series.
One Choice Target Date Portfolios serve as our flagship series that takes an intentionally moderate approach.
One Choice Blend+ Portfolios offer a more growth-oriented approach to balancing risks. This series may be a good fit if you're looking for more growth and can live with a little more risk.
When risk is the right fit, you'll likely have a better chance of sticking to your goals and staying on track.
One Choice Target Risk Portfolios are managed to the risk level you choose. The goal? The highest level of return consistent with its level of risk.
Select a risk level that helps balance your need for growth with the desire to mitigate risks.
One Choice Target Risk Portfolios when risk consistency matters. Explore more.
A Complete Portfolio in a Single Fund
One Choice Portfolios combine stocks, bonds and short-term investments, carefully selected by professionals who specialize in managing different asset classes based on time and risk.
You only have to monitor a single fund, and the portfolios are regularly rebalanced to help you stay on track.
Balancing Risk With Broad Diversification
Each portfolio invests in multiple funds spread across various investment types and styles. This diversification is designed to help manage stock market ups and downs. When one type might experience a loss, another may help offset it.
One Choice® Target Date Portfolios:
A One Choice 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 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. 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.
By the time each fund reaches its target year, its target asset mix will become fixed and will match that of One Choice In Retirement Portfolio.
One Choice® Blend+ Portfolios:
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, at which point its neutral mix is expected to become fixed.
Investor Class Shares: Minimum initial investment is $1,000 for IRA and CESA accounts, and $2,500 for non-retirement accounts, but these minimums are waived with an initial investment of at least $500 per account and automatic investments of at least $100 per month. Non-Retirement Accounts: If your account balance falls below the minimum, or if you cancel your automatic monthly investment plan prior to reaching the minimum, American Century Investments may redeem the account and send the proceeds to you. Prior to doing so, we will notify you and give you 90 days to meet the minimum or reinstate your automatic monthly investment plan.
Investment return and principal value of security investments will fluctuate. The value at the time of redemption may be more or less than the original cost. Past performance is no guarantee of future results.
Diversification does not assure a profit nor does it protect against loss of principal.
This material has been prepared for educational purposes only. It is not intended to provide, and should not be relied upon for, investment, accounting, legal or tax advice.