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The prolonged bull market favored those target-date funds (TDFs) heavily weighted to stocks. But markets don't run in one direction forever. Faced with a downturn or extended volatility, these funds could leave many investors behind, resulting in years of lost income for participants in or near 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.
See our One Choice line-up.
Learn more about the impact of design decisions on retirement outcomes.
Download the white paper.
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.
View analysis of performance for various TDF options during the 10-largest drawdowns since 2004.
Help fiduciaries select the TDF solution best suited to each plan with forward-looking insights using our Target-Date Risk Dashboard® tool.
Hear from Rich Weiss, Chief Investment Officer, Multi-Asset Strategies, as he discusses common misconceptions about target-date performance and how to select the right vehicle for the road ahead
One Choice® Target Date Portfolios based on a birth year and a retirement age of 65.
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.