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A Plan for Entrepreneurs

ADP and American Century Investments® have come together to give small-business owners a low-cost, easy-to-maintain retirement plan that's good for them and their employees.

Want to participate in your new plan?

Have Questions?

Call us at 1-877-288-5969

1 in 3 Americans Have $0 Saved for Retirement

Additional Resources

Want to see if a SEP IRA is good for you?
Check out the benefits

See how systematic investing and compounding can affect the value of your investment over time:
Time Value Calculator

Find out how much you can save for retirement in your retirement plan:
Tax Fast Facts

Investment Options

We believe a sound diversification strategy aligned with your goals is the foundation of long-term investing success.

Option 1: Invest with Target Date Portfolios

Explore One Choice® Target Date Portfolios designed specifically for retirement investing. Simply find a fund based upon your birth year and future retirement date. Your money will be automatically diversified in up to 16 funds in a single investment.

Key Benefits

  • Instant, broad diversification

  • Professionally and actively managed

  • Adjusts to grow more conservative

Learn more about Target Date Portfolios

One Choice® Target Date Portfolios Offered:

One Choice® In Retirement Portfolio

  • Birth Year: 1957 or earlier

  • Retirement Year at Age 65: 2022 or earlier

One Choice® 2025 Portfolio

  • Birth Year: 1958 - 1962

  • Retirement Year at Age 65: 2023 - 2027

One Choice® 2030 Portfolio

  • Birth Year: 1963 - 1967

  • Retirement Year at Age 65: 2028 - 2032

One Choice® 2035 Portfolio

  • Birth Year: 1968 - 1972

  • Retirement Year at Age 65: 2033 - 2037

One Choice® 2040 Portfolio

  • Birth Year: 1973 - 1977

  • Retirement Year at Age 65: 2038 - 2042

One Choice® 2045 Portfolio

  • Birth Year: 1978 - 1982

  • Retirement Year at Age 65: 2043 - 2047

One Choice® 2050 Portfolio

  • Birth Year: 1983 - 1987

  • Retirement Year at Age 65: 2048 - 2052

One Choice® 2055 Portfolio

  • Birth Year: 1988 - 1992

  • Retirement Year at Age 65: 2053 - 2057

One Choice® 2060 Portfolio

  • Birth Year: 1993 - 1997

  • Retirement Year at Age 65: 2058 - 2062

One Choice® 2065 Portfolio

  • Birth Year: 1998 and after

  • Retirement Year at Age 65: 2063 and after

Option 2: Build Your Own Portfolio

Research your portfolio from our complete list of actively managed mutual funds.

Employee Sign Up

It's easy to enroll in your employer's plan.

Already Have an Account?

Log in to your SEP IRA Account here.

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.

Diversification does not assure a profit nor does it protect against loss of principal.

ADP, LLC, ADP Broker-Dealer, Inc., and their affiliates (collectively, "ADP") and American Century Investment Services, Inc. and its affiliates (collectively, "American Century") are independent contractors. Nothing in the following materials or agreements should be construed to create or provide for any other relationship between ADP and American Century, including but not limited to joint venture or partnership. Neither ADP nor its affiliates provide investment or tax advice to participants, alternate payees or beneficiaries (collectively, "Participants") in retirement plans to which they provide recordkeeping or administrative services ("Retirement Plans"), nor serve in a fiduciary capacity with respect to Retirement Plans.