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Volatility can destroy wealth more quickly than it is made. Participants who experience this first hand tend to abandon their investments. Providing a smoother ride by limiting volatile return streams may encourage participants to stay the course through a variety of market environments.
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 savings. We gradually shift to investments that help shield your account balance 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.