Individual, Joint, & Trust Accounts

You can use these types of accounts to help work towards any investment goal.

Individual, Joint, & Personal Trust Account Details

Regular mutual fund accounts are registered most commonly as individual or joint accounts. Also, investors who have established a trust may invest the trust's assets in an American Century Investments® mutual fund by opening a personal trust account.

  • Individual accounts have one owner.
  • Joint accounts have two or more owners.
  • Personal Trust accounts need to provide copies of specific trust document pages to establish the account.
  • Transfer on Death (TOD) accounts follow the TOD rules  which should be read before opening an account.


Individual & Joint

An individual or joint account is generally taxable and can help you reach your personal financial goals—whether investing for retirement, college or simply building wealth.

Personal Trust

Allows investors who have established a trust to invest some or all of the trust's assets in a mutual fund.

Please speak to a financial planner or tax advisor to determine the best situation for your trust.

Transfer on Death (TOD)

An individual or joint account that transfers the ownership of shares to the designated beneficiaries upon the account owner's death. Please consult with an attorney to ensure a TOD account aligns with your estate and tax planning.

Call us to get started or send in this completed form .


  • All account owners (and trustees) must be age 18 or older.
  • All account owners (and trustees) must be a resident or resident alien of the U.S. or one of its territories.

Investment Choices

Select from a variety of mutual funds based on your risk tolerance, time horizon and investment objectives.

Minimum Initial Investment

$2,500 per fund initial investment or $500W2 if you establish automatic investments of at least $100 a month. Some funds may require higher minimums.

Additional Investments

$50 minimum on additional investments. American Century Investments also offers automatic investment plans to help you reach your financial goals.


Capital Gains: All funds pay any capital gains distributions annually in December. Some stock funds pay twice per year in March and December.

Dividends: Most stock funds pay any dividends annually in December. Asset allocation/balanced funds and some income-producing stock funds pay any dividends quarterly; while most bond funds pay dividends monthly. Money Market funds accrue dividends daily and pay them monthly.


Dividends and capital gains distributed by the fund each year are taxable. The tax rate varies depending on the type of income distributed and your tax bracket (or tax rate of the trust).

Capital gains from the sale or exchange of shares are taxable. The tax rate varies depending on how long you owned the shares and your tax bracket (or tax rate of the trust).

Tax information for trust accounts registered under an Employer Identification Number (EIN) may vary. Please consult your financial planner or tax advisor for advice regarding your situation.

Service Fees

American Century Investments charges a $25.00 account maintenance fee once a year to investors whose total investments with us are less than $10,000 for each taxpayer identification number (for example, Social Security number).

Secure Online Account Access*

Simply create a User Name and Password and log in to:

  • View account balances
  • Transact online
  • View statements and tax forms
  • Update account information, such as address or phone number
  • And much more.

* Some restrictions may apply to Personal Trust accounts.

Get Started

Online applications generally take 15 minutes to complete. If you have any questions, call us at 1-800-345-2021. We're here to help.

Open an Account

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.

W2 Minimum initial investment is $1,000 for IRA and CESA accounts, and $2,500 for non-retirement accounts, but these minimums are waived with an initial investment of at least $500 per account and automatic investments of at least $100 per month. If your account balance falls below the minimum, or if you cancel your automatic monthly investment plan prior to reaching the minimum, American Century Investments may redeem the account and send the proceeds to you. Prior to doing so, we will notify you and give you 90 days to meet the minimum or reinstate your automatic monthly investment plan.

The information is not intended as a personalized recommendation or fiduciary advice and should not be relied upon for, investment, accounting, legal or tax advice.