After you've created the ideal investment portfolio for your situation, we have the tools and resources available to help manage your accounts and your overall investment plan. Work with an Investment Consultant when you want investment guidance or to talk through your existing plans.
  • Review
  • Rebalance
  • Refine

Regularly Review Your Portfolio

The market environment changes constantly, which can cause any long-term plan to go off course. To keep your investments on track, it's wise to set aside time to review your portfolio on a regular basis. A review is especially important if you've had any major changes in your life-starting retirement, changing jobs, getting married, welcoming a new child or grandchild, purchasing a house-so that you can evaluate your existing portfolio and make any necessary adjustments to your accounts.

The My Account Page Provides Secure Online Access to Your Accounts

  • See a snapshot of your accounts, including each fund's returns, transaction history, cost basis and MorningstarTM Ratings.
  • Transact on all your American Century Investments® accounts in one place (purchases, automatic investments, exchanges, etc.).
  • Review your account statements and tax forms online.

Questions to Consider During Your Review

  • Has your situation changed?
    Complete the questionnaire in our Investment Planner tool to determine your risk tolerance and investing profile, and we'll show you a compatible asset allocation and American Century Investments fund.
  • Do you know how much you'll need for your goals?
    Take advantage of our calculators to help plan for your goals, such as retirement, college, and more.
  • Has the economic outlook changed?
    Read market news and insights from our investment professionals to help you make more informed decisions. 

Rebalance Your Portfolio

You initially allocated your portfolio among different types of investments-stocks, bonds and money markets-to reduce overall risk in your portfolio. But over time, the percentages you've allocated to each type of investment may have shifted due to market ups and downs, leaving your portfolio looking much different than your original plan.

Rebalancing gets your portfolio back to your desired percentage mix. This simply means that you'll need to buy and sell investments to bring your portfolio back in line with your asset allocation plan (see below). This ensures your portfolio maintains the balance of risk and return you've determined is right for your goals.

If you don't have the time or don't feel comfortable doing the rebalancing yourself, we offer asset allocation portfolios. When you choose one of our time- or risk-based portfolios, our professional investment managers rebalance the underlying funds regularly so you don't have to.

Hypothetical Example:

Rebalancing in Action
Original Allocation Out of Balance Rebalanced
 For example, you may have decided to invest 60% of your portfolio in stocks, 30% in bonds and 10% in money market securities. If market activity causes the value of the stock portion of your portfolio to increase significantly, you'll have a greater percentage of your portfolio invested in stocks than you intended.   Rebalancing-buying more bonds and money markets and selling stocks-gets your portfolio back to your desired 60/30/10 percentage mix.
For example, you may have decided to invest 60% of your portfolio in stocks, 30% in bonds and 10% in money market securities. If market activity causes the value of the stock portion of your portfolio to increase significantly, you'll have a greater percentage of your portfolio invested in stocks than you intended. Rebalancing-buying more bonds and money markets and selling stocks-gets your portfolio back to your desired 60/30/10 percentage mix.

Make Changes to Your Portfolio

Sometimes you need to add or replace funds for further diversification in your portfolio, or perhaps you need to overhaul your portfolio as a result of a major life event or shift in your financial goals. Before making changes to your portfolio, consider:

  • Are your new choices aligned with your current goals, time frame and risk tolerance?
  • Are there other investment vehicles or account types that might fit your goals better?
  • Would consolidating investments Link Opens New Window help simplify your account management?
  • Depending on the type of account, are there fees, penalties or taxes associated with withdrawing or moving your money? 

It's easy to make adjustments online when you log in or over the phone with an Investment Consultant.