This fund endeavors to achieve the greatest possible total return while adhering to its specified asset allocation strategy. Operating as a "fund of funds," it accomplishes its objective by investing in a curated selection of American Century mutual funds, known as underlying funds, which collectively span a broad spectrum of asset classes and investment methodologies. The year "2045" in the fund's title denotes the approximate retirement year for which an investor is planning, typically indicating when new contributions to the fund would likely cease.