Expanded Choice in Target Date Selection


Selecting the right target-date option depends on a variety of factors, including plan sponsor goals and objectives, participant demographics and risk appetite. 

To suit the varying needs of different plans, we now offer two mutual fund solutions that feature modest variations in equity allocations, glide path slope and underlying investments.



Two Actively Managed Options for Different Plan Profiles

Demonstrated strong risk-adjusted returns across a full market cycle

Seeks highest return for asset mix, moving to more defensive allocations near retirement

 Places greater emphasis on managing downside risk, especially near retirement

45% equity allocation starting at age 65 seeks to sustain long retirements

As of 3/10/2021. See disclosure below. 


Blend pricing, plus the alpha potential of active management

Early/mid-career glide path seeks higher growth for more risk-tolerant populations

Flattening glide path near retirement seeks to reduce sequence-of-returns risk

Lower and later landing point recognizes a phased transition to full retirement

As of 3/10/2021. See disclosure below.

Industry Average Glide Path Data as of 12/31/2020. Source:  Fund prospectuses and websites, Morningstar.


Featured Insights

What's the "Plus" in One Choice® Blend+ Portfolios?

The addition of One Choice® Blend+ to the American Century Investments® family of target-date solutions expands our qualified default investment alternatives (QDIA) options to meet the needs of a wider range of retirement plans and participants.

The Transition Risk Zone: Where Retirement Perception and Reality Diverge

It's important for plan sponsors to recognize that participant retirement planning is different than participant retirement reality.

An ERISA Attorney's View on TDF Selection Using 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.

Choose the Right Target-Date Solution for Each Plan

Focus on the options that align with a plan’s profile and preferences.

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 cash equivalents.

A One Choice Blend+ 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 Blend+ 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 by decreasing the allocation to stocks and increasing the allocation to bonds and short-term investments. The portfolios reach their most conservative allocation approximately five years after the target date.

This information is for educational purposes only and is not intended as investment or tax advice.

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

Fees are subject to change.