One Choice® Blend+ Portfolios
An Intentional Approach to Growth for More Risk-Tolerant Investors
Some investors are willing to take on more risk in exchange for higher growth potential. However, pursuing a growth objective doesn't mean you have to go all in on stocks. Because the more market risk you take on, the more ground you could lose in down markets—and losses can set back account balances more than gains can boost them.
With One Choice Blend+ Portfolios, our goal is to manage the portfolio in a way that:
Pursues a Smoother Investor Journey
No one wants a bumpy path to retirement or losses they don't have time to recover from. That's why we seek to balance multiple risks—like inflation and the chance of running out of money—to aim for growth with a smoother journey.
Focuses on Long-Term Results
We consider good, bad and just plain ugly market conditions to seek better long-term results. A hard truth about math is that the more money you lose, the more gains and time you'll need to get back to even.
Provides Higher Growth Potential
Both of our One Choice target-date series provide a professionally managed portfolio that will become more conservative as your target retirement date approaches. For more risk-tolerant investors, One Choice Blend+ Portfolios aim for more growth with a higher equity allocation than our flagship One Choice® Target Date Portfolios.
Find Your Target Date
Find a One Choice Blend+ Portfolio with the name closest to when you expect to begin withdrawing your money.
Birth Year | Retirement Date at Age 65 | One Choice Target Date Portfolio |
1998 and after | 2063 and after | |
1993 - 1997 | 2058 - 2062 | |
1988 - 1992 | 2053 - 2057 | |
1983 - 1987 | 2048 - 2052 | |
1978 - 1982 | 2043 - 2047 | |
1973 - 1977 | 2038 - 2042 | |
1968 - 1972 | 2033 - 2037 | |
1963 - 1967 | 2028 - 2032 | |
1958 - 1962 | 2023 - 2027 | |
1957 and earlier | 2022 and earlier |
Effective April 11, 2025, One Choice Blend Plus 2020 Portfolio was renamed One Choice Blend Plus In Retirement Portfolio.
Longevity Risk
The risk retirees may outlive their retirement savings due to an increase life expectancy.
Inflation
Inflation, sometimes referred to as headline inflation, reflects rising prices for consumer goods and services, or equivalently, a declining value of money. Core inflation excludes food and energy prices, which tend to be volatile. It is the opposite of deflation (see Deflation).
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.
The performance of the portfolios is dependent on the performance of their underlying American Century Investments' funds and will assume the risks associated with these funds. The risks will vary according to each portfolio's asset allocation, and a fund with a later target date is expected to be more volatile than one with an earlier target date.
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.