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Designed to Manage Multiple Risks
One Choice Target Date Portfolios (One Choice) are designed for plans seeking an active QDIA solution that pursues greater wealth accumulation by seeking to manage downside risk, especially in the 15 years leading to retirement.
By managing multiple risks across market cycles, One Choice Portfolios seek to help more participants remain invested to pursue their retirement goals.
The portfolios feature:
View fund allocations and performance
As of 12/10/2020
① Seeks highest return for asset mix, moving to more defensive allocations near retirement
② Places greater emphasis on managing downside risk, especially near retirement
③ 45% equity allocation starting at age 65 seeks to sustain long retirements
Industry Average Glide Path Data as of 12/31/2020. Source: Fund prospectuses and websites, Morningstar.
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.
Explore our complete line-up of mutual fund and collective trust solutions
Today’s strong equity markets may mask thinly veiled risk, especially for those target-date strategies heavily weighted to equities.
Hear from CIO Rich Weiss and Senior Client Portfolio Manager Nancy Pilotte about how One Choice Portfolios have consistently delivered strong absolute and risk-adjusted returns despite short-term fluctuations in their relative rankings.
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.
It’s important for plan sponsors to recognize that participant retirement planning is
different than participant retirement reality.
Top ERISA attorney Brad Campbell offers his thoughts about how Target-Date Blueprint can help you implement and document DOL guidance on TDF selection.
Understanding the impact of design decisions on retirement outcomes.
As of 3/10/2021
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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.