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One Choice{sup}®{/sup} Target Date Portfolios

Adjusts as your target goal date approaches

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Overview

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.

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.

Key Benefits

• Instant, broad diversification

• Professionally and actively managed

• Automatically adjusts to become more conservative over time

Find Your Target Date

Find a One Choice Target Date Portfolio for your retirement goal that may be right for you based on your birth year and a retirement age of 65.

Birth Year

Retirement Date at Age 65

One Choice Target Date Portfolio

1998 and after

2063 and after

One Choice{sup}®{/sup} 2065 Portfolio

1993 - 1997

2058 - 2062

One Choice{sup}®{/sup} 2060 Portfolio

1988 - 1992

2053 - 2057

One Choice{sup}®{/sup} 2055 Portfolio

1983 - 1987

2048 - 2052

One Choice{sup}®{/sup} 2050 Portfolio

1978 - 1982

2043 - 2047

One Choice{sup}®{/sup} 2045 Portfolio

1973 - 1977

2038 - 2042

One Choice{sup}®{/sup} 2040 Portfolio

1968 - 1972

2033 - 2037

One Choice{sup}®{/sup} 2035 Portfolio

1963 - 1967

2028 - 2032

One Choice{sup}®{/sup} 2030 Portfolio

1958 - 1962

2023 - 2027

One Choice{sup}®{/sup} 2025 Portfolio

1957 or earlier

2022 or earlier

One Choice{sup}®{/sup} In Retirement Portfolio

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 more.*

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.

Investor Class Shares: 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. Non-Retirement Accounts: 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 performance of the portfolios is dependent on the performance of their underlying American Century Investments' funds and will assume the risks associated with these funds. The risks will vary according to each portfolio's asset allocation, and a fund with a later target date is expected to be more volatile than one with an earlier target date.

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.

This material has been prepared for educational purposes only. It is not intended to provide, and should not be relied upon for, investment, accounting, legal or tax advice.