Investing That’s Straightforward and Personal
Let's make investing as uncomplicated as possible and at a lower cost—just the way you want it.
You’ve come to the right place. OneDigital and American Century Investments are working together to help with your investing needs in a way that makes the most sense. And at a price you can afford.
Ready to get started? Request a call from a consultant or call us.
Call 800-447-4653
What Are My Investment Options?
You’ll find a broad range of mutual funds, including pre-diversified portfolio options built and managed by our investment professionals. You can also invest in our lower-cost exchange-traded funds (ETFs) or other investment vehicles through our brokerage services.
Mutual Funds
Select from a variety of no-load mutual funds based on your risk tolerance and investment objectives.
ETFs
Invest in one of our actively managed exchange-traded funds through our brokerage service.
Brokerage
Choose from more than 10,000 mutual funds from other fund families, as well as ETFs, publicly traded stocks, bonds and more.
Talk to Someone About Your Investment Needs
Request a call or call us directly at 800-447-4653.
What Kinds of Accounts Are Available?
No matter what your goal, we have an account type that will fit.
For Any Goal
Choose an individual or joint account to invest for general goals, such as a rainy day or a down payment on a home. These accounts are taxable, meaning you will pay taxes on dividends and earnings.
For Retirement
Tax-advantaged accounts can help you save on taxes now or later, depending on the account you choose. With traditional IRAs, contributions are tax-deductible, and you pay taxes later. With Roth IRAs, you pay taxes now and have tax-free withdrawals later.
What’s It Like to Invest With American Century?
You’ll invest with a company that’s as serious about your financial success as you are—but easy to talk to when you need to call. From our broad range of services to our contributions to medical research, we believe in making a difference in people’s lives—starting with you.
Financial Help Your Way
Find services ranging from helping you understand your choices to one-time consultations or in-depth advice and planning. Guidance on options is free, and advisory services include fees.
Make a Difference With Us
Invest for yourself and others. Together, we invest in a healthier world for everyone.
Talk to Someone About Your Investment Needs
Request a call or call us directly at 800-447-4653.
Additional Information About Opening an Account
All account owners must be age 18 or older and a U.S. citizen or resident alien of the U.S. or one of its territories.
Initial investment. The minimum to open a mutual fund account is $2,500 per fund or $500 if you establish automatic investments of at least $100 a month. Some funds may require higher minimums. Brokerage account minimums start at $2,500 but depend on the account type.
Additional investments. The minimum for each subsequent investment is $50. American Century Investments also offers automatic investment plans to help you reach your financial goals.
Distributions
Capital gains. All funds pay any capital gains distributions annually in December. Some stock funds pay twice per year in March and December.
Dividends. Most stock funds pay any dividends annually in December. Asset allocation/balanced funds and some income-producing stock funds pay any dividends quarterly, while most bond funds pay dividends monthly. Money market funds accrue dividends daily and pay them monthly.
IRAs. Dividends and capital gains are automatically reinvested in the account.
Taxes
Individual and joint accounts. Fund distributions, dividends and capital gains distributed by the fund each year are taxable. The tax rate varies depending on your tax bracket and the type of income distributed.
Sales and exchanges for individual and joint accounts. Capital gains from the sale or exchange of shares are taxable. The tax rate varies depending on your tax bracket and how long you own the shares.
Traditional IRAs. Contributions are pretax, which you may be able to deduct from your income tax. Earnings grow tax deferred and you will pay taxes when the money is withdrawn.
Roth IRA. Contributions are after tax and you do not pay taxes on withdrawals.
Please consult your financial planner or tax advisor for advice regarding your situation.
Funds held directly with American Century Investments: If your total investments are below a certain threshold, your account will be subject to an account maintenance fee. Refer to the Service Options flyer for details about this fee, including how you can have the fee waived.
American Century Brokerage: A $50 annual custodial fee is charged per account. This fee is waived for Platinum, Gold and Silver Priority Investors or if the balance of the account is over $10,000. See Fees and Commissions for more information.
For more information, see Understanding Our Account Maintenance Fee.
Let’s Do This Together
Request a call back or call us at 800-447-4653 to let us answer your questions and help you get investing your way.
American Century Investments and OneDigital Investment Advisors LLC ("OneDigital") are separate and unaffiliated entities. Each entity is responsible for their own products and services.
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.
American Century's advisory services are provided by American Century Investments Private Client Group, Inc., a registered investment advisor. These advisory services provide discretionary investment management for a fee. The amount of the fee and how it is charged depend on the advisory service you select. American Century’s financial consultants do not receive a portion or a range of the advisory fee paid. Contact us to learn more about the different advisory services. All investing involves the risk of losing money.
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 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.
Diversification does not assure a profit nor does it protect against loss of principal.
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.
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.
Brokerage Services are provided by American Century Brokerage, a division of American Century Investment Services, Inc., registered broker/dealer, member FINRA, SIPC .
You should consider the fund's investment objectives, risks, charges and expenses carefully before you invest. The fund's prospectus or summary prospectus, which can be obtained by calling 1.800.345.2021, contains this and other information about the fund, and should be read carefully before investing. Investments are subject to market risk.
American Century Investment Services, Inc., Distributor
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