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Some TDFs are especially vulnerable to market downturns. Download our analysis showing the performance of various TDF options during the 10 largest drawdowns since 2004.
Many target-date funds heavily weighted to stocks benefited from the prolonged bull market. But markets don’t run in one direction forever. Faced with a downturn or extended volatility, these funds could result in years of lost income for participants in or near retirement. Our approach seeks to minimize the magnitude of potential losses investors could experience during periods of market stress. By focusing on providing greater wealth accumulation from a smoother ride across market cycles, we believe more participants may reach their retirement goals.
Investors face a number of risks, including market, interest rate, inflation and running out of money in retirement. Because performance can't be predicted, we constructed the portfolios to balance multiple risks to increase the likelihood investors achieve their retirement goals.
The portfolios hold a mix of stock, bond, and money market investments with a focus on providing greater wealth accumulation from a smoother ride through erratic markets. While diversification does not insure against a loss, it may help reduce downside risk.
Our Multi-Asset Strategies team handles the day-to-day details of selecting, overseeing and rebalancing underlying funds. We believe active security selection is the best way to improve return potential. It also helps limit the downside during periods of market stress.
We start out with a growth-oriented asset mix focused on building your assets. We gradually shift to investments that help diversify your portfolio while still maintaining some growth potential. Our goal is to provide the greatest opportunity for your client's money to last throughout retirement.
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 money market instruments.
One Choice Target Date Portfolios based on a birth year and a retirement age of 65.
Diversification does not assure a profit nor does it protect against loss of principal.
Money Market Fund: You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund's sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time.
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.