Investing Essentials. Your dreams are too important to leave to chance

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1 Investing Essentials Your dreams are too important to leave to chance

2 Your investing goals are as unique as you are. Whether you re investing on your own or working with one of our Investment Consultants, on the following pages you ll find three steps to help you create an investment plan, determine an appropriate asset mix for your needs and put it all into action. Regardless of what you re investing for or how much experience you have, American Century Investments is committed to providing you the tools, guidance and solutions to help you reach your goals. Contents Define your goal 3 Create your plan Make it automatic Keep emotions in check Design your blueprint 4 Decode diversification Narrow your focus Put it into action Determine your solution 5-6 Build your plan with one of our asset allocation portfolios: Target-risk portfolios Target-date portfolios We re here to help 7 2

3 Define your goal Create your plan Declare it. Know what you re investing for retirement, college, general goals. Date it. Determine when you ll need your money. Estimate it. Add up how much you may need for your goal. Make it automatic When the markets swing, even the most experienced investors may be tempted to stop investing. However, if you set up an automatic investment, that amount can add up over time, even if you don t have much to start with.* Estimate how much you may need to invest. Search time value calculator at americancentury.com. Keep emotions in check No one knows when market gains will occur and missing just a few of the market s best days can lower your return substantially. Successful investing is more likely to be the result of time in not timing of the markets. Start an automatic plan today or search automatic investing for more information at americancentury.com. Jumping in and out of the market may cost your portfolio 1 Hypothetical Impact of Missing a Few Days of a Market Rally Missed 30 Best Days Missed 20 Best Days Missed 10 Best Days Invested throughout time period $43,934 $21,926 $13,662 $9,026 Growth from a $10,000 Investment Hypothetical Market Fluctuation Growth of 10,000 in the S&P 500, 20 years ending December 31, Source: FactSet. This hypothetical investment is for illustrative purposes only and is not intended to represent any particular investment product. Past performance is not a guarantee of future results. The S&P 500 Index is a capitalizationweighted index of 500 widely traded stocks. Created by Standard & Poor s, it is considered to represent the performance of the stock market in general. It is not an investment product available for purchase. * This strategy, known as dollar-cost averaging, does not assure a profit or protect against loss in declining markets. To fully take advantage of dollarcost averaging, you should be prepared to continue investing at regular intervals, even during economic downturns. Visit americancentury.com 3

4 Design your blueprint Diversification Spreading your money across several investment types that react differently when markets change. Asset allocation The percentage mix each discipline holds based on your goals, risk comfort and time frame. Asset allocation portfolios A variety of mutual funds wrapped together so you get diversification and asset allocation in a single fund. An increasingly complex market and volatility have driven demand for investments that include multiple types of disciplines (stocks, bonds, cash) to help balance risk and performance. Decode diversification At the core of this strategy is a time-tested principle diversification. Although it can t protect against loss, we strongly believe building a portfolio based on this approach gives you the best blueprint to reaching your long-term investing goals. Narrow your focus While diversification is an overall strategy, the principle of asset allocation starts to narrow your focus. This is where you include a percentage of stocks, bonds and cash in your portfolio based on your goals, risk comfort and when you ll need the money. Put it into action When you are ready to put your blueprint into action, choose how you d like to work with us. Build your own diversified portfolio Select from our broad lineup of 80+ no-load mutual funds. Let us do the work Choose one of our two types of asset allocation portfolios. These portfolios offer broad diversification and professional money management in a single investment. Asset Allocation Fund vs. Designing Your Own Portfolio Asset Allocation Diversification in one investment Traditional Mutual Fund Portfolio Diversification through many funds Simple record-keeping Record-keeping for many funds Monitor one fund s performance Monitor performance of many funds Professionals rebalance You rebalance your own portfolio Managed to specific risk levels Risk depends on which funds you choose 4 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.

5 Determine your solution Select your comfort with risk: One Choice Target Risk Portfolios Make investing for retirement, college, or any other objective, as convenient as identifying your comfort with risk. Determine your risk comfort level One Choice Target Risk Portfolios range from very conservative to very aggressive, and you choose a portfolio based on your tolerance for risk. Each portfolio is a fund of funds (which invests in other funds rather than individual securities), and its performance and risk characteristics are dependent on the underlying funds. Check your risk barometer periodically While the portfolios are actively managed to maintain their targeted risk level, your comfort with risk may change over time. Periodically check your comfort level by completing our online Investment Planner. A portfolio s risk designation is intended to reflect its relative short-term price volatility compared to the other One Choice Target Risk Portfolios. Which solution could be right for you? Here and on the following page, see how one of our One Choice Portfolios, based on your comfort with risk or your target date, may help you reach your goals. When you re ready to invest: 1. Use our online Investment Planner to help you determine your risk tolerance. 2. Choose a One Choice Target Risk Portfolio that matches your comfort level with risk. Your risk level aligns to each portfolio s mix of investments One Choice Target Risk Portfolios % Stocks % Bonds % Money Market Very Conservative Conservative Moderate Aggressive Very Aggressive The managers regularly review the portfolios and may make changes to the asset class allocations that deviate from the target risk mix. Visit americancentury.com and search target risk for the most recent percentages. Visit americancentury.com 5

6 Select your target date: One Choice Target Date Portfolios A straightforward investment plan that works to match how much time you have to meet your goal whether for retirement or any other goal. Determine your target date Each portfolio s target date represents the approximate year when you plan to start withdrawing your money. Choose the portfolio closest to your target date, and our investment professionals will actively manage, diversify and adjust the fund s portfolio over time. Aim to balance risk and performance The portfolios are designed to provide the optimal trade-off of risk and reward based on the target date. The funds are adjusted annually to be more conservative. As the target date approaches, the managers reduce the fund s exposure to stocks and increases its exposure to bonds and cash. Even with this measured approach, it s important to note the principal value of your investment is not guaranteed at any time, including at the target date. When you re ready to invest: 1STEP ONE Calculate your target date. 2STEP TWO Select the One Choice Target Date Portfolio closest to your target date. BIRTH YEAR AGE THAT YOU WILL NEED YOUR MONEY TARGET DATE = 2032 Birth Year One Choice Target Date Portfolios % Stocks % Bonds % Money Market 1993 & after One Choice 2060 Portfolio One Choice 2055 Portfolio One Choice 2050 Portfolio One Choice 2045 Portfolio One Choice 2040 Portfolio One Choice 2035 Portfolio One Choice 2030 Portfolio One Choice 2025 Portfolio One Choice 2020 Portfolio Before 1953 One Choice In Retirement Portfolio As of December Based on your birth year and a retirement age of 65. The managers regularly review the portfolios and may make changes to the asset class allocations that deviate from the target date mix. Visit americancentury.com and search target date for the most recent percentages. 6

7 We re here to help A portfolio that matches your investment goals may help you have the best chance for investing success. Not sure if your portfolio aligns with your goals? Try our online Investment Planner to find out. Expert guidance Try our complimentary Investment Planner Our online tool will give you valuable guidance toward the asset allocation mix and funds that are compatible with your answers to a series of questions about your goals, time frame and how you feel about risk. You ll receive: A free online guide to help you invest toward your long-term goals. Results you can reference anytime from your online My Account page. A printable report that details your asset allocation mix, fund options and suggested next steps. If you prefer to talk to an Investment Consultant, please call the appropriate number at the bottom of the page. Start your free guidance session online today. Log in or register your account at americancentury.com Anywhere, anytime investing americancentury.com Time is something we could all use more of. That s why we ve designed our online services to help you spend more time doing the things you love and less time managing your accounts. Take advantage of the services that are always available at americancentury.com. 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 visiting americancentury.com, contains this and other information about the fund, and should be read carefully before investing. Personal accounts: Business, Not-For-Profit and Employer-Sponsored Retirement Plans: Visit americancentury.com 7

8 Managing Money, Making An Impact American Century Investments is a leading asset manager focused on delivering investment results and building long-term client relationships while supporting research that can improve human health and save lives. It s how we and our clients together Prosper With Purpose. Every day people are increasingly focused on investing to make the world a better place for themselves, their families, their organizations and the world at large. It is possible to live a more meaningful and impactful life and give back something that s more valuable than money. When you invest with us, you can also invest in the future of others and have the potential to impact the lives of millions. That s possible because of the distinct relationship with the Stowers Institute for Medical Research, which owns more than 40% of American Century. Our dividend payments provide ongoing financial support for the Institute s work of uncovering the causes, treatments and prevention of life-threatening diseases, like cancer. Together we can become a powerful force for good. It s like nothing you ve ever seen from a money management firm. American Century Investment Services, Inc., Distributor 2017 American Century Proprietary Holdings, Inc. All rights reserved. ID-BKT P.O. Box Kansas City, MO Business Retirement Specialists

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