American Century One Choice Blend Plus 2045 Portfolio R is a target-date mutual fund designed for investors planning to retire or begin withdrawals around the year 2045. This asset falls within the category of actively managed, diversified allocation funds, implementing a dynamic blend of equity, bond, and short-term investments that automatically adjusts over time. Early in the investment horizon, the portfolio maintains a greater allocation to growth-oriented assets such as equities, appealing to risk-tolerant investors seeking higher return potential during their accumulation years. As the target retirement year approaches, the asset mix shifts to become more conservative, increasing exposure to bonds and cash equivalents to help reduce risk and volatility as investors near retirement. The portfolio leverages American Century Investments' proprietary glide path, which features a measured transition—called a 'flatter glide path'—that balances growth objectives with risk management throughout varied market environments. The fund’s allocation and performance are directly influenced by the underlying American Century mutual funds it holds, making it a comprehensive, all-in-one investment solution for retirement planning. While designed to align with a retirement year, the fund does not guarantee preservation of principal or meeting retirement goals.

American Century One Choice Blend Plus 2045 Portfolio R is a target-date mutual fund designed for investors planning to retire or begin withdrawals around the year 2045. This asset falls within the category of actively managed, diversified allocation funds, implementing a dynamic blend of equity, bond, and short-term investments that automatically adjusts over time. Early in the investment horizon, the portfolio maintains a greater allocation to growth-oriented assets such as equities, appealing to risk-tolerant investors seeking higher return potential during their accumulation years. As the target retirement year approaches, the asset mix shifts to become more conservative, increasing exposure to bonds and cash equivalents to help reduce risk and volatility as investors near retirement. The portfolio leverages American Century Investments' proprietary glide path, which features a measured transition—called a 'flatter glide path'—that balances growth objectives with risk management throughout varied market environments. The fund’s allocation and performance are directly influenced by the underlying American Century mutual funds it holds, making it a comprehensive, all-in-one investment solution for retirement planning. While designed to align with a retirement year, the fund does not guarantee preservation of principal or meeting retirement goals.