American Century® Retirement Date Hybrid Trust

Retirement Date Hybrid Trust

Available Exclusively to Empower Clients

A growth-focused glide path designed to seek a smoother journey.

A custom solution for Empower recordkeeping clients with potential recordkeeping discounts.

An active, cost-effective approach to target-date investing.

Higher Growth Potential Without Sacrificing Risk Awareness

Allocations shown are as of February 24, 2026. On February 24, 2026, Retirement Date Hybrid Trust shifted to a growth-oriented glide path.

  1. With a long time horizon to retirement, early to mid-career allocations emphasize growth.

  2. Approaching retirement, the glide path retains a flatter shape during the "transition risk zone" where balances are higher, aiming to make a market downturn less painful.

  3. In retirement, the final landing point of 40% equity reached at age 70 recognizes a phased transition to full retirement.

A Collective Investment Trust with Potential Discounts

Retirement Date Hybrid Trust Details

Potential Recordkeeping Discounts

New Plan Sales (<$50 M)

  • 5 bps recordkeeping discount applied at the plan level for plans on Empower Select.

  • 5 bps recordkeeping discount applied to mapped assets into Retirement Date Hybrid Trust for plans on Empower Standard.

Existing Empower Plans (<$50 M)

  • Up to 5 bps recordkeeping discount applied to assets mapped into Retirement Date Hybrid Trust management decisions.

Plans >$50 M

  • Considered custom-priced, so please contact your Empower Retirement Specialist about recordkeeping fee discounts.

A Uniquely Diversified, Cost-Effective Approach

Equities

American Century Investments®

  • Large Cap Growth

  • Large Cap Value

  • Mid Cap Growth

  • Mid Cap Value

  • Small Cap Growth

  • Non-U.S. Developed-Large Growth

  • Non-U.S. Developed-Large Value

  • Non-U.S. Developed- Small/Mid Cap

  • Emerging Markets

  • Global Real Estate

Avantis Investors®

  • Small Cap Value

  • Non-U.S. All Cap

  • Emerging Markets

State Street Global Advisors

  • Large Cap Core

Fixed Income

American Century Investments®

  • Core U.S. Bond

  • High-Yield

  • Inflation-Adjusted

  • Short Duration Inflation Protected

  • Non-U.S. Bond (USD Hedged)

  • Emerging Markets

Avantis Investors®

  • Core Fixed Income

Fixed Account

Empower®

  • Fixed Account (Stable Value)

Resources

Have Questions?

Contact your American Century Investments® Service Representative or your Relationship Manager.

1-800-345-6488

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

The American Century Retirement Date Hybrid Trust consists of a series of common or collective trust funds established and maintained by Benefit Trust Company (BTC) under a declaration of trust. American Century Investment Management, Inc. is the advisor to the trust. The trust is not registered with or required to file prospectuses or registration statements with the SEC or any other regulatory body, and accordingly, neither is available. The trust is available only to certain qualified retirement plans and governmental plans and is not offered to the general public. Units of the trust are not a bank deposit and not insured or guaranteed by any bank, government entity, the FDIC or any other type of deposit insurance. You should carefully consider the investment objectives, risk, charges, and expenses of the trusts before investing.

Benefit Trust Company (BTC) is a non-depositary trust company with operations in Overland Park, Kansas. As an independent fiduciary and fund sponsor, BTC maintains the fund and oversees all compliance related functions for the fund including trade monitoring, pricing, performance, annual reporting and investor eligibility.

Information presented is intended to supplement discussions between American Century Investments and tax-qualified retirement, pension, profit-sharing, stock bonus, and other employee benefit trusts and certain eligible governmental plans (defined as "Eligible Plan" in the Declaration of Trust exempt under Revenue Ruling 81-100 (1981-1 C.B. 326) (as amended, from time to time). The information is not applicable if you are not an Eligible Plan. This does not constitute an offer or solicitation of any security or product, nor constitute a recommendation of suitability of any investment strategy for a particular investor. Material presented is prepared from information sources believed to be accurate, but there is no guarantee of accuracy. Any potential purchaser may pay actual expenses that are more or less than those presented above, and their investment may lose value. There is no guarantee, contract, or agreement, expressed or implied with the recipient of this information that the above expenses will be received. 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.

Fees are subject to change.

FOR FINANCIAL PROFESSIONAL USE ONLY/NOT FOR DISTRIBUTION TO THE PUBLIC

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©2026 American Century Proprietary Holdings, Inc. All rights reserved.