One Choice Portfolios®

Remove the guesswork from choosing investments

Building your portfolio can be confusing, especially when there are so many investments to choose from. You want to make selections that work for your financial future. Our signature One Choice Portfolios® offer two automatically diversified solutions—one based on time and one based on risk—that are built by our experts. Talk about convenience.

The Power of One


1. A Complete Portfolio in a Single Fund

One Choice Portfolios combine stocks, bonds and short-term investments, carefully selected by professionals who specialize in managing different asset classes based on time and risk.

You only have to monitor a single fund, and the portfolios are regularly rebalanced to help you stay on track toward your goals.


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2. Balancing Risk With Broad Diversification

Each portfolio invests in multiple funds spread across a variety of investment types and styles. This diversification is designed to help manage the ups and downs of the stock market. When one type might experience a loss, another may help offset it.


Are You a Financial Advisor? Learn more about One Choice Portfolios for your clients.

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3. Easy Access With a Low Minimum

Like all of our funds, the One Choice Portfolios feature a low minimum. With an initial investment of $500 (and a $100 an automatic monthly investment),W2 it can be easier for you to start investing today.


Choose Your Date

Target Date Portfolios

Our diversified target-date funds automatically adjust as their target goal date approaches. Choose which of the 10 target-date funds most closely aligns with when you plan to start using your money.

Investing Style

Time based


Rebalanced annually to become more conservative as the target date approaches.

Your Choice

Choose a portfolio based on the year you plan to start withdrawing your money.


Choose Your Risk Level

Target Risk Portfolios

Our five static target-risk funds offer you instant diversification. These portfolios are built using up to 15 underlying mutual funds to help balance risk and return.

Investing Style

Risk based


Rebalanced as needed to maintain its targeted risk level.

Your Choice

Choose a portfolio based on your tolerance for risk, and you decide when to change risk levels by moving your money accordingly.

Featured Insights

The Surprising Truth about Diversification

Diversification is often touted as the most important strategy in an investor's toolkit. But what is it? And what is it not?

Diversification and Consolidation: Not Just Investing Jargon

Diversification and consolidation may sound like investment jargon, but they're both important concepts in a portfolio. One aims to help you manage risk, while the other focuses on managing goals.

Golf and Investing: More in Common than You Think

Being successful at golf—and investing—involves considering the “long game” as well as the “short game.”

    Ready to Invest?

    You can invest in one of our asset allocation portfolios with as little as $500 with a monthly automatic investment of $100 or moreW2.

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    One Choice® 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 cash equivalents.

    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.

    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.

    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.