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Leaving a Job? Handle Your Retirement Savings With Care
Leaving a job raises questions about what to do with your retirement savings. It’s such an important goal, you’ll want to handle it with care. We can help you sift through your options and decide your next best step.
Put our over 60 years of experience to work for your financial future.
Talk to Rollover Specialist to Get Started
Call 866-231-5412, ext. 900, or
Let Us Care for Your Retirement Savings
There are lots of things to consider when you leave a job. Let us help make your decision about your retirement savings one of the least stressful. We’ll review your options and help you choose which is best for your future. And if a rollover is right for you, we’ll help make moving your money as painless as possible too.
A Rollover Specialist will:
Serve as your single point of contact and help manage the move.
Offer insights based on our experience with moving money from employer plans.
Help initiate the move with you.
Assist with the paperwork (ours and your former employer’s).
Guide you through investment choices.
Monitor the process and let you know when we receive your assets.
Care for Retirement—Keep Your Money Close
You have options for your retirement savings and we can help you review the pros and cons of each. One way to keep your money close is to move it into a Rollover IRA where you can keep saving and make your own investment decisions. And it won’t cost you in taxes like some other alternatives may.
Call us now to discuss your options: 866-231-5412 ext. 900
Invest for Your Future, Invest in Others
In addition to investing for your retirement, as a client you can positively impact the lives of others. That’s because we have an uncommon owner and a powerful purpose. It starts with a quest to help you succeed financially, while also supporting medical research that is dedicated to uncovering the causes, treatments and cures of life-threatening diseases such as Alzheimer's, dementia and cancer. Find out about the unique relationship between us and the Stowers Institute for Medical Research, as well as your part in the story.
Prefer to Get Started on Your Own?
Follow these steps to start a rollover. A Rollover Specialist is available if you need help along the way. Call 866-231-5412, ext. 900.
Complete a Rollover IRA application now to open your American Century Investments account.
Choose Rollover IRA from the IRA Investing Section
Select your investment option. You can choose an already diversified portfolio or build your own. See the details below about our One Choice Portfolios® target-date funds for retirement.
Complete the application by providing your information for the new account.
You will receive a confirmation by email when the account is set up and confirmation by mail when rollover of your money is complete.
Complete the OneOncology network distribution process to fund your account.
Be sure to select the Rollover to a Qualified Retirement Plan or Rollover IRA
Use the code acioneoncology in the account number field to direct your money to come here.
Include information about us:
American Century Investments
PO Box 419200
Kansas City, MO 64141-6200
Complete the form with your information.
Keep our number handy in case you need help: 866-231-5412, ext. 900.
We believe a sound diversification strategy aligned with your goals is the foundation of long-term investing success. A good mix of investments is key to weathering the ups and downs of the market. Explore our target date portfolios designed specifically for retirement investing, or build your own portfolio from our complete list of funds.
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.
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.
One Choice Target Date Portfolios Offered
Birth Year: 1957 or earlier
Retirement Year at Age 65: 2022 or earlier
Birth Year: 1958 - 1962
Retirement Year at Age 65: 2023 - 2027
Birth Year: 1963 - 1967
Retirement Year at Age 65: 2028 - 2032
Birth Year: 1968 - 1972
Retirement Year at Age 65: 2033 - 2037
Birth Year: 1973 - 1977
Retirement Year at Age 65: 2038 - 2042
Birth Year: 1978 - 1982
Retirement Year at Age 65: 2043 - 2047
Birth Year: 1983 - 1987
Retirement Year at Age 65: 2048 - 2052
Birth Year: 1988 - 1992
Retirement Year at Age 65: 2053 - 2057
Birth Year: 1993 - 1997
Retirement Year at Age 65: 2058 - 2062
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.
Frequently Asked Questions
What happens if I take the cash?
Taking your retirement plan money in cash may provide quick access, but it may not be the best long-term financial move because of the possible tax consequences. You can end up with about 60 percent of your original savings due to taxes and penalties if you’re under age 59½. Plus, you lose the opportunity for your investment to continue to grow in a tax-deferred account.
Can I make contributions to my Rollover IRA?
Yes, you can give us instructions to remove Rollover status and make contributions to your IRA, subject to the IRS annual contribution limits. But you must keep Roth IRA and traditional IRA money separate.
If you combine rollover assets and new contributions in the same account, the combined assets are considered "commingled" and may not be able to be rolled over into a new employer's plan.
Can I contribute to a 401(k) and an IRA?
Yes, you can contribute to a traditional and/or Roth IRA even if you participate in an employer-sponsored retirement plan (including a SEP or SIMPLE IRA plan), as long as you stay within the IRS annual contribution limits.
I also have Roth money. Can I roll that over too?
Yes. You can roll over Roth dollars from a qualified retirement plan (for example, a 401(k) plan), into a Roth IRA. With a Roth IRA, you make contributions with money you've already paid taxes on (after-tax) and your money may potentially grow tax-free. Different from a Traditional or Rollover IRA, you won't pay taxes when you withdraw the money in retirement, as long as you have had the account for at least five years and you are at least age 59½.
Who is American Century Investments?
For 60 years, American Century Investments has helped millions of investors like you reach their retirement goals. As a privately controlled and independent company, we are empowered to do the right thing for our clients.
As a client, you receive guidance at no cost because we believe our number one priority is to help you be successful. Professionally and actively managed investments, free investment guidance, and exceptional service all adds up to a strong offering.
When you invest with us, together we can invest in the future. 40% of our profits fund innovative medical research. Nearly $2 billion in total dividends* have been distributed to date to the Stowers Institute for Medical Research.
*As of 12/31/2022.
Why is my employer working with American Century Investments?
Your employer and American Century Investments are working together to provide retirement solutions to help you stay on the right path toward retirement. That includes help deciding the next step for your retirement savings and free investment guidance.
OneOncology and American Century Investments are working together to provide rollover solutions. Get to know American Century Investments.
Diversification does not assure a profit nor does it protect against loss of principal.
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.
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.
Please consult your tax advisor for more detailed information regarding the Roth IRA or for advice regarding your individual situation.
Taxes are deferred until withdrawal if the requirements are met. A 10% penalty may be imposed for withdrawal prior to reaching age 59½.