One Choice® Target-Date Portfolios

Tested by the Market's Twists and Turns

One Choice Stands Out®

When markets turn rocky, it's more important than ever for target-date solutions to balance uncertainty with the goal of saving for a long retirement.

One Choice® Target-Date Portfolios (One Choice) seek to minimize the magnitude of potential losses resulting from periods of market stress. By emphasizing greater wealth accumulation from a smoother ride across market cycles, we believe One Choice offers the opportunity for more participants to reach their retirement goals. View our One Choice line-up.

Risk-Managed Glide Path

As of 12/10/2020

Example of the Glide Path

Designed with Conviction

  • The glide path starts with a growth-oriented mix of investments focused on building assets.
  • It gradually shifts to help diversify portfolios while still maintaining some growth potential.
  • Our goal is to provide the greatest opportunity for participants’ 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.

Featured Insights

An ERISA Attorney’s View: TDF Selection with Target-Date Blueprint

An ERISA Attorney’s View: TDF Selection with Target-Date Blueprint

Top ERISA attorney Brad Campbell offers his thoughts about how Target-Date Blueprint can help you implement and document DOL guidance on TDF selection.

building blueprint

3 Steps to a Prudent TDF Selection Process

Target-Date Blueprint narrows the universe to focus only on those TDFs that align with a plan’s profile and preferences.

Find a Target Date

One Choice® Target Date Portfolios based on a birth year and a retirement age of 65.

As of 12/1/2020

Birth Year Retirement Date at Age 65 One Choice Target Date Portfolio
1998 and after 2063 and after One Choice® 2065 Portfolio
1993 - 1997 2058 - 2062 One Choice® 2060 Portfolio
1988 - 1992 2053 - 2057 One Choice® 2055 Portfolio
1983 - 1987 2048 - 2052 One Choice® 2050 Portfolio
1978 - 1982 2043 - 2047 One Choice® 2045 Portfolio
1973 - 1977 2033 - 2037 One Choice® 2040 Portfolio
1968 - 1972 2038 - 2042 One Choice® 2035 Portfolio
1963 - 1967 2028 - 2032 One Choice® 2030 Portfolio
1958 - 1962 2023 - 2027 One Choice® 2025 Portfolio
1957 or earlier 2022 or earlier One Choice® In Retirement Portfolio

Portfolio Performance


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.

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