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One ChoiceSM Target Date Portfolios make investing for retirement as easy as identifying the approximate date you plan to retire.

As of 12/1/2013. Allocations subject to change.


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One Choice 2015
One Choice 2020
One Choice 2025
One Choice 2030
One Choice 2035
One Choice 2040
One Choice 2045
One Choice 2050
One Choice 2055
One Choice In Retirement

Stock Funds   Bond Funds   Money Market Funds

One Choice
2015 Portfolio

Stock Funds  
Bond Funds  
Money Market Funds
46.05% Stock Funds
6.75%
10.00%
11.00%
2.75%
4.25%
2.00%
5.00%
0.25%
3.00%
1.05%

44.45% Bond Funds
26.40%
3.75%
1.80%
5.70%
6.80%

9.50% Money Market Funds
Premium Money Market Fund Inv Class 9.50%

One Choice
2020 Portfolio

Stock Funds  
Bond Funds  
Money Market Funds
51.05% Stock Funds
8.00%
9.50%
11.25%
3.75%
5.00%
2.00%
6.00%
1.25%
3.00%
1.30%

41.95% Bond Funds
25.30%
3.60%
3.10%
4.15%
5.80%

7.00% Money Market Funds
Premium Money Market Fund Inv Class 7.00%

One Choice
2025 Portfolio

Stock Funds  
Bond Funds  
Money Market Funds
56.30% Stock Funds
9.25%
9.25%
11.50%
4.50%
5.50%
2.50%
7.00%
2.25%
3.00%
1.55%

38.70% Bond Funds
24.00%
3.40%
4.20%
2.60%
4.50%

5.00% Money Market Funds
Premium Money Market Fund Inv Class 5.00%

One Choice
2030 Portfolio

Stock Funds  
Bond Funds  
Money Market Funds
62.30% Stock Funds
11.00%
9.25%
12.00%
5.00%
5.25%
3.50%
8.50%
2.75%
3.25%
1.80%

32.70% Bond Funds
21.50%
3.00%
5.00%
1.20%
2.00%

5.00% Money Market Funds
Premium Money Market Fund Inv Class 5.00%

One Choice
2035 Portfolio

Stock Funds  
Bond Funds  
Money Market Funds
68.55% Stock Funds
12.75%
9.50%
12.75%
5.50%
5.50%
4.25%
9.50%
3.50%
3.25%
2.05%

26.95% Bond Funds
18.90%
2.65%
5.40%

4.50% Money Market Funds
Premium Money Market Fund Inv Class 4.50%

One Choice
2040 Portfolio

Stock Funds  
Bond Funds  
Money Market Funds
74.95% Stock Funds
13.75%
10.25%
13.75%
6.50%
6.50%
4.15%
10.00%
4.25%
3.50%
2.30%

23.05% Bond Funds
16.15%
2.30%
4.60%

2.00% Money Market Funds
Premium Money Market Fund Inv Class 2.00%

One Choice
2045 Portfolio

Stock Funds  
Bond Funds  
Money Market Funds
80.40% Stock Funds
14.50%
10.35%
14.50%
7.25%
7.25%
4.00%
10.25%
5.25%
4.50%
2.55%

19.60% Bond Funds
13.75%
1.95%
3.90%

0.00% Money Market Funds

One Choice
2050 Portfolio

Stock Funds  
Bond Funds  
Money Market Funds
82.80% Stock Funds
14.75%
10.25%
15.00%
7.25%
7.25%
4.75%
10.00%
6.25%
4.50%
2.80%

17.20% Bond Funds
12.10%
1.70%
3.40%

0.00% Money Market Funds

One Choice
2055 Portfolio

Stock Funds  
Bond Funds  
Money Market Funds
85.00% Stock Funds
15.25%
10.75%
15.50%
7.50%
7.50%
5.00%
9.50%
6.50%
4.50%
3.00%

15.00% Bond Funds
10.50%
1.50%
3.00%

0.00% Money Market Funds

One Choice
In Retirement Portfolio

Stock Funds  
Bond Funds  
Money Market Funds
45.00% Stock Funds
6.50%
10.00%
11.00%
2.50%
4.00%
2.00%
5.00%
3.00%
1.00%

45.00% Bond Funds
26.60%
3.80%
1.50%
6.10%
7.00%

10.00% Money Market Funds
Premium Money Market Fund Inv Class 10.00%

Money Market Fund: An investment in the fund is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the fund.

The performance of the portfolios is dependent on the performance of their underlying American Century Investments' funds and will assume the risks associated with these funds. The risks will vary according to each portfolio's asset allocation, and a fund with a later target date is expected to be more volatile than one with an earlier target date.

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 its 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 money market instruments.

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.

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.

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

American Century® One Choice Portfolios® make investing for retirement as easy as identifying your comfort with risk.

As of 12/6/2013. Allocations subject to change.


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Very Conservative
Conservative
Moderate
Aggressive
Very Aggressive

View All One Choice Portfolios
One Choice Portfolio: Very Conservative
25% Stock Funds
Equity Growth Fund 4.00%
Core Equity Plus 1.00%
Growth Fund 2.50%
Large Company Value Fund 8.00%
Mid Cap Value Fund 5.00%
Real Estate Fund 2.00%
Small Company Fund 1.00%
Heritage Fund 1.50%

52% Bond Funds
Diversified Bond Fund 32.00%
Inflation-Adjusted Bond Fund 10.00%
International Bond Fund 10.00%

23% Money Market Funds
Prime Money Market Fund 23.00%

More Information

One Choice Portfolio: Conservative
45% Stock Funds
Equity Growth Fund 7.00%
Core Equity Plus 2.00%
Growth Fund 4.75%
International Growth Fund 6.00%
Large Company Value Fund 11.00%
Mid Cap Value Fund 6.75%
Real Estate Fund 2.00%
Small Company Fund 1.50%
Heritage Fund 4.00%

47% Bond Funds
Diversified Bond Fund 30.00%
Inflation-Adjusted Bond Fund 9.00%
International Bond Fund 8.00%

8% Money Market Funds
Prime Money Market Fund 8.00%

More Information

One Choice Portfolio: Moderate
64% Stock Funds
Emerging Markets Fund 4.00%
Equity Growth Fund 12.00%
Core Equity Plus 4.00%
Growth Fund 8.00%
International Growth Fund 10.00%
Large Company Value Fund 9.50%
Mid Cap Value Fund 5.50%
Real Estate Fund 2.00%
Small Company Fund 2.00%
Heritage Fund 7.00%

31% Bond Funds
Diversified Bond Fund 19.00%
High-Yield Fund 3.00%
Inflation-Adjusted Bond Fund 6.00%
International Bond Fund 3.00%

5% Money Market Funds
Prime Money Market Fund 5.00%

More Information

One Choice Portfolio: Aggressive
79% Stock Funds
Emerging Markets Fund 6.50%
Equity Growth Fund 10.00%
Core Equity Plus 4.50%
Growth Fund 14.50%
International Growth Fund 12.50%
Large Company Value Fund 8.50%
Mid Cap Value Fund 4.75%
Real Estate Fund 2.00%
Small Company Fund 2.25%
Heritage Fund 13.50%

20% Bond Funds
Diversified Bond Fund 11.00%
High-Yield Fund 5.00%
Inflation-Adjusted Bond Fund 4.00%

1% Money Market Funds
Prime Money Market Fund 1.00%

More Information

One Choice Portfolio: Very Aggressive
96% Stock Funds
Emerging Markets Fund 7.50%
Equity Growth Fund 13.00%
Core Equity Plus 4.75%
Growth Fund 17.75%
International Growth Fund 15.50%
Large Company Value Fund 10.50%
Mid Cap Value Fund 6.00%
Real Estate Fund 2.00%
Small Company Fund 2.50%
Heritage Fund 16.50%

3% Bond Funds
Diversified Bond Fund 3.00%

1% Money Market Funds
Prime Money Market Fund 1.00%

More Information

Money Market Fund: An investment in the fund is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the fund.

The performance of the portfolios is dependent on the performance of their underlying American Century Investments' funds, and will assume the risks associated with these funds. The risks will vary according to each portfolio's asset allocation, and the risk level assigned to each portfolio is intended to reflect the relative short-term price volatility among the funds in each.

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.

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

Many self-directed investors choose to build their investment portfolio on their own by selecting individual stock, bond and money market funds.

  • Explore our list of no-load mutual funds
  • View 4 & 5 Star Funds
  • Access additional investing choices through our brokerage service


When building on your own, be sure to diversify your portfolio among a mix of stock, bond and money market funds that align not only with your tolerance for risk, but also with your investing time horizon.

Hypothetical Moderate Portfolio

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