Overhead view of co-workers working at desk.

SEP IRA

A Plan for Entrepreneurs

ADP and American Century Investments® have come together to give small-business owners a low-cost, easy-to-maintain retirement plan that's good for them and their employees.

Want to participate in your new plan?

Have Questions?

Call us at 1-877-288-5969

1 in 3 Americans Have $0 Saved for Retirement

3:14

Additional Resources

Want to see if a SEP IRA is good for you?
Check out the benefits

See how systematic investing and compounding can affect the value of your investment over time:
Time Value Calculator

Find out how much you can save for retirement in your retirement plan:
Tax Fast Facts

Investment Options

We believe a sound diversification strategy aligned with your goals is the foundation of long-term investing success.

Option 1: Invest with Target Date Portfolios

Explore One Choice® Target Date Portfolios designed specifically for retirement investing. Simply find a fund based upon your birth year and future retirement date. Your money will be automatically diversified in up to 16 funds in a single investment.

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.

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.

Key Benefits

  • Instant, broad diversification

  • Professionally and actively managed

  • Adjusts to decrease risk over time

Learn more about Target Date Portfolios

One Choice® Target Date Portfolios Offered:

One Choice® In Retirement Portfolio

  • Birth Year: 1957 or earlier

  • Retirement Year at Age 65: 2022 or earlier

One Choice® 2025 Portfolio1

  • Birth Year: 1958 - 1962

  • Retirement Year at Age 65: 2023 - 2027

One Choice® 2030 Portfolio

  • Birth Year: 1963 - 1967

  • Retirement Year at Age 65: 2028 - 2032

One Choice® 2035 Portfolio

  • Birth Year: 1968 - 1972

  • Retirement Year at Age 65: 2033 - 2037

One Choice® 2040 Portfolio

  • Birth Year: 1973 - 1977

  • Retirement Year at Age 65: 2038 - 2042

One Choice® 2045 Portfolio

  • Birth Year: 1978 - 1982

  • Retirement Year at Age 65: 2043 - 2047

One Choice® 2050 Portfolio

  • Birth Year: 1983 - 1987

  • Retirement Year at Age 65: 2048 - 2052

One Choice® 2055 Portfolio

  • Birth Year: 1988 - 1992

  • Retirement Year at Age 65: 2053 - 2057

One Choice® 2060 Portfolio

  • Birth Year: 1993 - 1997

  • Retirement Year at Age 65: 2058 - 2062

One Choice® 2065 Portfolio

  • Birth Year: 1998 and after

  • Retirement Year at Age 65: 2063 and after

Effective March 21, 2025, One Choice 2025 Portfolio closed to new investors.

Option 2: Build Your Own Portfolio

Research your portfolio from our complete list of actively managed mutual funds.

Employee Sign Up

It's easy to enroll in your employer's plan.

Already Have an Account?

Log in to your SEP IRA Account here.

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.

You could lose money by investing in a mutual fund, even if through your employer's plan or an IRA. An investment in a mutual fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

Diversification does not assure a profit nor does it protect against loss of principal.

ADP, LLC, ADP Broker-Dealer, Inc., and their affiliates (collectively, "ADP") and American Century Investment Services, Inc. and its affiliates (collectively, "American Century") are independent contractors. Nothing in the following materials or agreements should be construed to create or provide for any other relationship between ADP and American Century, including but not limited to joint venture or partnership. Neither ADP nor its affiliates provide investment or tax advice to participants, alternate payees or beneficiaries (collectively, "Participants") in retirement plans to which they provide recordkeeping or administrative services ("Retirement Plans"), nor serve in a fiduciary capacity with respect to Retirement Plans.

You should consider the fund's investment objectives, risks, charges and expenses carefully before you invest. The fund's prospectus or summary prospectus, which can be obtained by calling 1.800.345.2021, contains this and other information about the fund, and should be read carefully before investing. Investments are subject to market risk.

American Century Investment Services, Inc., Distributor

©2025 American Century Proprietary Holdings, Inc. All rights reserved.