Comparing Asset Allocation Portfolios

Target Risk

  • Based on your risk tolerance.
  • Rebalanced to maintain targeted risk level.
  • You decide when to change your risk level.
  • You determine your risk tolerance.

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Target Risk Portfolios

Target Date

  • Based on a future target date.
  • Adjusted to become more conservative as the target date approaches.
  • Adjusts automatically to reduce risk level.
  • You determine the date when you plan to retire or start using your money.

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Target Date Portfolios

Target Date Portfolios

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.

By the time each fund reaches its target year, its target asset mix will become fixed and will match that of One Choice In Retirement Portfolio.

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

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.

Rebalancing allows you to keep your asset allocation in line with your goals. It does not guarantee investment returns and does not eliminate risk.

You should consider the fund's investment objectives, risks, charges and expenses carefully before you invest. The fund's prospectus or summary prospectus, which can be obtained by calling 1.800.345.2021, contains this and other information about the fund, and should be read carefully before investing. Investments are subject to market risk.

American Century Investment Services, Inc., Distributor

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