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 famericancentury.com, contains this and other information about the fund, and should be read carefully before investing.
The American Century Retirement Date Collective Investment Trust consists of a series of common or collective trust funds established and maintained by Global Trust Company (GTC) under a declaration of trust. American Century Investment Management, Inc. is the adviser to the trust. The trust is not registered with or required to file prospectuses or registration statements with the Securities and Exchange Commission (SEC) or any other regulatory body, and, accordingly, neither is available. The trust is available only to certain qualified retirement plans and governmental plans and is not offered to the general public. Units of the trust are not a bank deposit and not insured or guaranteed by any bank, government entity, the Federal Deposit Insurance Corporation (FDIC) or any other type of deposit insurance. You should carefully consider the investment objectives, risk, charges and expenses of the trusts before investing.
GTC is a non-depository trust company with operations in Woburn, Massachusetts. As an independent fiduciary and fund sponsor, GTC maintains the fund and oversees all compliance related functions for the fund including trade monitoring, pricing, performance, annual reporting and investor eligibility.
This paper does not provide legal or investment advice. Plan fiduciaries should seek appropriate legal or other counsel to evaluate their specific circumstances.
A 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 portfolio seeks the highest total return consistent with its asset mix. Each year, 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. The information is not intended as a personalized recommendation or fiduciary advice and should not be relied upon for investment, accounting, legal or tax advice.
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