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What is a SEP IRA?

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A Simplified Employee Pension (SEP) IRA plan allows your employer to make retirement contributions on your behalf.

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What Are the Benefits?

Tax-Deferred Earnings

Any earnings grow tax deferred and are taxed at your ordinary income tax rate at the time of withdrawal.

No Loads

You won’t pay any up-front or back-end sales charges* on American Century’s no-load mutual funds.

Investment Control

Your employer may contribute, but you get to choose your own investments for your retirement plan. The money is always yours, even if you change jobs.

Guidance at No Additional Cost

Get personal assistance from a dedicated team of Business Retirement Specialists.

Employee contributions are not allowed; however, you may be able to contribute to a Traditional or Roth IRA.

Custodial fees are waived if you have $10,000 or more in investments; there is a $15 annual custodial fee per fund if you have less than $10,000.

A portfolio that matches your investment goals may give you the best chance for investing success.

Whatever your investment style and objectives, we have you covered. Choose from the convenience of an all-in-one fund solution, build your own fully diversified portfolio or complement your current investment mix with funds from our broad lineup.

Our Diversified Portfolios

Our Mutual Funds

Having all your retirement savings in one place can make it easier to track your progress toward your goal. Consider consolidating your investments with American Century. Complete the Request to Transfer form to get started.

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How Do I Enroll in My Plan?

1. Complete an Application

Fill out the online SEP IRA Account Application in less than 15 minutes.

2. Review Documents

Read the Disclosure Statement and Custodial Agreement. Complete a Designation of Beneficiary form and return to us.

3. Inform Employer

Tell your employer you have completed the application so they can start contributing on your behalf.

Ready to Invest?

Start your account application now and choose your investments. Call 1-800-345-3533 if you need help.

Both load and no-load funds have an expense ratio, which is the amount (%) of total investment that shareholders pay annually for mutual fund operating expenses and management fees. The expense ratio is taken out of each fund's current income, is disclosed in the prospectus and can be located on performance tables for each fund.

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 regarding investment, accounting, legal or tax matters. 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.

IRA investment earnings are not taxed. Depending on the type of IRA and certain other factors, these earnings, as well as the original contributions, may be taxed at your ordinary income tax rate upon withdrawal. A 10% penalty may be imposed for early withdrawal before age 59½.

You could lose money by investing in a mutual fund, even if through your employer's plan or an IRA. An investment in a mutual fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.