One Choice® Target Date Portfolios

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:

  • A history of strong risk-adjusted returns
  • Time-tested active strategies
  • Diverse security selection expertise of American Century’s global boutiques

View fund allocations and performance

Distinctive, Flatter Glide Path

As of 12/10/2020

One Choice and Retirement Date Trust Glide Path

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

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.

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Interested in Exploring Other Target-Date Options?

Explore our complete line-up of mutual fund and collective trust solutions 

     

Performance in Perspective

Watch Now

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. 

     

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.

Balancing Risks in Glide Path Design

Understanding the impact of design decisions on retirement outcomes.

    Neutral Weights

        Vintages
    Strategy In Retirement 2025 2030 2035 2040 2045 2050 2055 2060 2065
    Equities 45.00% 49.00% 54.00% 60.00% 66.25% 72.50% 78.75% 82.00% 84.50% 85.00%
      NT Growth 4.14% 4.61% 5.12% 5.63% 6.08% 6.59% 7.16% 7.47% 7.70% 7.75%
      NT Disciplined Growth 2.76% 3.07% 2.89% 2.46% 1.87% 1.19% 0.37% 0.00% 0.00% 0.00%
      Focused Dynamic Growth 0.00% 0.00% 0.52% 1.30% 2.18% 3.22% 4.42% 4.98% 5.13% 5.16%
      Sustainable Equity 6.94% 7.16% 7.35% 7.60% 7.80% 8.40% 9.13% 9.51% 9.80% 9.85%
      NT Equity Growth 3.74% 3.85% 3.96% 4.09% 4.20% 4.53% 4.91% 5.12% 5.27% 5.31%
      NT Large Company Value 9.11% 9.25% 9.42% 9.76% 10.16% 11.01% 11.96% 12.45% 12.83% 12.91%
      NT Heritage 1.89% 2.29% 2.95% 3.85% 5.01% 5.66% 6.15% 6.40% 6.60% 6.64%
      NT Mid Cap Value 4.08% 4.66% 5.29% 5.91% 6.39% 6.95% 7.55% 7.86% 8.10% 8.15%
      Small Cap Growth 0.97% 1.03% 1.11% 1.21% 1.30% 1.42% 1.54% 1.60% 1.65% 1.66%
      Small Cap Value 0.97% 1.03% 1.11% 1.21% 1.30% 1.42% 1.54% 1.60% 1.65% 1.66%
      NT International Growth 4.16% 4.49% 4.84% 5.22% 5.53% 5.99% 6.51% 6.78% 6.98% 7.02%
      NT International Value 4.75% 4.58% 4.26% 3.88% 3.50% 3.50% 3.50% 3.50% 3.50% 3.50%
      Non-US Intrinsic Value 0.00% 0.45% 1.08% 1.79% 2.44% 2.92% 3.48% 3.77% 3.99% 4.03%
      NT International Small-Mid Cap 0.48% 0.78% 1.17% 1.60% 2.02% 2.26% 2.46% 2.56% 2.64% 2.65%
      NT Emerging Markets 0.00% 0.57% 1.53% 2.82% 4.51% 5.26% 5.71% 5.94% 6.13% 6.16%
      NT Global Real Estate 1.01% 1.18% 1.40% 1.67% 1.96% 2.18% 2.36% 2.46% 2.53% 2.55%
    Fixed Income 45.00% 44.01% 41.95% 38.11% 33.48% 27.50% 21.25% 18.00% 15.50% 15.00%
      NT Diversified Bond 20.02% 19.78% 18.84% 17.92% 16.58% 13.75% 10.63% 9.00% 7.75% 7.50%
      NT High Income 3.50% 3.87% 4.20% 4.26% 4.12% 3.44% 2.66% 2.25% 1.94% 1.88%
      Inflation-Adjusted Bond 3.00% 3.91% 4.44% 4.00% 3.38% 2.75% 2.13% 1.80% 1.55% 1.50%
      International Bond 2.20% 2.04% 1.84% 0.96% 0.14% 0.00% 0.00% 0.00% 0.00% 0.00%
      Global Bond 7.98% 8.03% 7.95% 7.43% 6.65% 5.50% 4.24% 3.60% 3.10% 3.00%
      Emerging Markets Debt 1.10% 1.58% 2.06% 2.34% 2.44% 2.06% 1.59% 1.35% 1.16% 1.12%
      Short Duration Inflation Protection Bond 7.20% 4.80% 2.62% 1.20% 0.17% 0.00% 0.00% 0.00% 0.00% 0.00%
    Short-Term Investments 10.00% 6.99% 4.05% 1.89% 0.27% 0.00% 0.00% 0.00% 0.00% 0.00%
      Short Duration 10.00% 6.99% 4.05% 1.89% 0.27% 0.00% 0.00% 0.00% 0.00% 0.00%
    Total 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
      Stock Funds 45.00% 49.00% 54.00% 60.00% 66.25% 72.50% 78.75% 82.00% 84.50% 85.00%
      Bond Funds 45.00% 44.01% 41.95% 38.11% 33.48% 27.50% 21.25% 18.00% 15.50% 15.00%
      Short-Term Investments 10.00% 6.99% 4.05% 1.89% 0.27% 0.00% 0.00% 0.00% 0.00% 0.00%

    As of 3/10/2021

    Fund Performance

     

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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.