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Need Help Getting Started?

This short video walks you through the steps to quickly enroll and start saving for the retirement you want.

Remember, not joining the plan means you’ll miss out on your employer’s match. Ready to move forward? Just 15 minutes could mean more for your future.

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Find out more about your SIMPLE IRA plan and saving for retirement.

  • Investment Options
  • FAQS & Calculators

Learn About Your Retirement Plan

A Savings Incentive Match Plan for Employees (SIMPLE) IRA allows you and your employer to contribute to your retirement savings. Investing can sound intimidating, but you don't have to do it alone. Learn more about investing in a SIMPLE IRA.


Understanding Target-Date Investments

Learn about the convenience of target-date investments for your retirement goal.

Review which One Choice Portfolio may be right for you.

Spreading out your money in several different kinds of investments is a strategy called diversification, and we believe it works. It can help reduce risk in a portfolio and potentially give you a better chance of achieving your retirement goal. There are two options for putting this strategy in place:

Option 1: Invest with Target Date Portfolios

Explore One Choice® Target Date Portfolios designed specifically for retirement investing. Start by choosing a fund based on your birth year and future retirement date. Your money will automatically diversify in up to 16 funds in a single investment.

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.

Option 2: Build Your Own Portfolio

Research and select individual funds from our complete list of actively managed mutual funds.

Contribution Calculator

Contribution Calculator

Find out how your contributions will affect your paycheck.

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Future Value Calculator

Future Value Calculator

See how regular investing and compounding can affect the value of your investment over time.

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Participation & Administration

What is a SIMPLE IRA?

May I participate in a SIMPLE IRA if I participate in another retirement plan sponsored by another employer?

Are all employees eligible to participate in a SIMPLE IRA?

Who controls my SIMPLE IRA?

Who is American Century Investments®?

Why are ADP and American Century Investments working together to offer SIMPLE IRAs?


How much can I contribute?

How much can my employer contribute?

Is my employer required to contribute to my SIMPLE IRA?

Account Management

When can I withdraw my money?

Are there any custodial fees assessed?

I already enrolled in a SIMPLE IRA, how do I consolidate other Retirement Accounts?

I have money in a retirement plan from my old employer. Can I roll it into my SIMPLE plan?

Get Your Account Ready

Open your SIMPLE IRA account or make changes if your plan has automatic enrollment.

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Already Have an Account?

If you already have a SIMPLE IRA account, log in here.

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IRS Circular 230 Disclosure: American Century Companies, Inc. and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with American Century Companies, Inc. of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties.

This information is for educational purposes only and is not intended as tax advice. Please consult your tax advisor for more detailed information or for advice regarding your individual situation.

This information is for educational purposes only and is not intended as a personalized recommendation or fiduciary advice. There are different options available for your retirement plan investments. You should consider all options before making a decision. Our representatives can help you evaluate all of your distribution options.

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

ADP, LLC, ADP Broker-Dealer, Inc., and their affiliates (collectively, "ADP") and American Century Investment Services, Inc. and its affiliates (collectively, "American Century") are independent contractors. Nothing in the following materials or agreements should be construed to create or provide for any other relationship between ADP and American Century, including but not limited to joint venture or partnership. Neither ADP nor its affiliates provide investment or tax advice to participants, alternate payees or beneficiaries (collectively, "Participants") in retirement plans to which they provide recordkeeping or administrative services ("Retirement Plans"), nor serve in a fiduciary capacity with respect to Retirement Plans.