American Century One Choice Blend Plus 2045 Portfolio R6 is a target-date mutual fund designed to help investors prepare for retirement with an anticipated retirement year of 2045. The fund employs a diversified, multi-asset strategy by investing in a blend of growth, value, and core equity styles alongside fixed-income securities. Its underlying allocation dynamically evolves: as the target retirement date approaches, the portfolio gradually shifts from higher-growth assets to more conservative investments, such as bonds and short-duration fixed income, to help manage risk as investors near and enter retirement. Key features include increasing exposure to lower-volatility equities and a measured reduction of emerging market equities as the target date nears, with emerging market holdings eliminated by age 70. The fund also incorporates both U.S. and international asset classes, including non-U.S. bonds, to enhance diversification. Serving as a comprehensive solution within retirement planning, American Century One Choice Blend Plus 2045 Portfolio R6 aims to balance capital growth and preservation throughout an investor’s life cycle, automatically adjusting its risk profile to align with evolving retirement needs.

American Century One Choice Blend Plus 2045 Portfolio R6 is a target-date mutual fund designed to help investors prepare for retirement with an anticipated retirement year of 2045. The fund employs a diversified, multi-asset strategy by investing in a blend of growth, value, and core equity styles alongside fixed-income securities. Its underlying allocation dynamically evolves: as the target retirement date approaches, the portfolio gradually shifts from higher-growth assets to more conservative investments, such as bonds and short-duration fixed income, to help manage risk as investors near and enter retirement. Key features include increasing exposure to lower-volatility equities and a measured reduction of emerging market equities as the target date nears, with emerging market holdings eliminated by age 70. The fund also incorporates both U.S. and international asset classes, including non-U.S. bonds, to enhance diversification. Serving as a comprehensive solution within retirement planning, American Century One Choice Blend Plus 2045 Portfolio R6 aims to balance capital growth and preservation throughout an investor’s life cycle, automatically adjusting its risk profile to align with evolving retirement needs.