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It may seem tough to save for retirement when you have today's bills to pay. But the reality is that YOU are the most important piece in saving enough money for the retirement you want. Also available as PDF.
Find out about target-date funds and how they are designed to help with your retirement goal.
Learn more about our One Choice® Target Date Portfolios.
Not sure if you are saving enough? It's time to make a plan.
Finding money to save for retirement can be tough. Cutting down on dining out can help.
Learn from the experience of others, and use some basic budgeting strategies to help you stay on track.
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.
Don't think you have enough money to save for retirement? Get budget tips to reduce spending so you can save.
Once you're participating in a plan, try to take full advantage of it.
If you're just starting out or approaching your retirement years, this booklet can show you how to take advantage of your retirement plan—no matter what stage you're in.
Understand the role each type of investment plays in your retirement account.
Understand how the proper asset allocation can give you a better chance at retirement success.
Major life events like marriage and having children can all have an impact on how you save.
An important step toward having enough money in retirement is to change your current spending habits.
Whether you got a late start or you just plain haven’t been saving enough, there are ways you can start to potentially increase your retirement savings now.
As you reach certain milestones, it becomes more obvious that retirement is fast approaching. It’s a good idea to review your savings at key checkpoints to find ways to overcome possible gaps.
If your retirement date is less than ten years away, it's a good time to start thinking about the transition from work to retirement.
With a little planning, it's possible to pursue the benefits of higher education without breaking the bank.
Have money in an old retirement plan? Learn how rolling over those funds may give you more control over your retirement savings.
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.