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15 important things you should know about American Century Investments ARDSX mutual fund

Updated: September 19, 2020
67
Bull Case
  • 3-year return above the benchmark
  • 5-year return above the benchmark
  • 10-year return above the benchmark
  • No sales load or distribution fees
Bear Case
  • Low net assets
  • High expense ratio

Before we start: if you’re looking for ARDSX “stock” price, you can quickly find it out by visiting Finny and typing "ARDSX quote". If you’re looking for a quick scoop on ARDSX "stock" (price chart, key stats, buy or sell analysis and holdings), go to Finny and look for "ARDSX". You’ll get all this info in one place.

Are you looking to buy or sell ARDSX? Or perhaps you’re looking for ARDSX fact sheet, and learn about its alternatives? If so, you came to the right place.

In this ARDSX mutual fund review, we’ll address key questions our readers have been asking us about this fund, above and beyond what you can find in its prospectus, and on Morningstar or Yahoo Finance.

Here is what you’ll be able to find in this review:

  • Fact Sheet: ARDSX performance, returns, expense ratio, holdings and dividend yield;
  • Analysis: ARDSX buy or sell; the pros and cons of investing in ARDSX mutual fund;
  • Alternatives: other ETFs and mutual funds you should consider as alternatives to ARDSX.

And here is the list of questions we’ll answer:

  1. Describe American Century Asset Allocation Portfolios, Inc: One Choice 2040 Portfolio; Institutional Class Shares (ARDSX).
  2. What are ARDSX holdings?
  3. What is ARDSX performance? What are ARDSX historical returns?
  4. How many up and down years did ARDSX have historically?
  5. What is ARDSX dividend yield?
  6. What is ARDSX minimum initial investment amount?
  7. What is ARDSX expense ratio?
  8. Does ARDSX have any sales loads or 12b-1 distribution expenses?
  9. What is ARDSX tax efficiency (tax-cost ratio)?
  10. What is ARDSX beta? How would you assess ARDSX risk?
  11. What is ARDSX Sharpe ratio?
  12. What is ARDSX Finny Score? ARDSX buy or sell?
  13. What are the pros of investing in ARDSX? What are ARDSX buy reasons?
  14. What are the cons of investing in ARDSX? What are ARDSX sell reasons?

So let’s start. Scroll down to the question that interests you the most.

Fact Sheet

1. Describe American Century Asset Allocation Portfolios, Inc: One Choice 2040 Portfolio; Institutional Class Shares (ARDSX).

The Fund seeks the highest total return consistent with its asset mix. One Choice 2040 Portfolio is a fund of funds, meaning that it seeks to achieve its objective by investing in other American Century mutual funds (the underlying funds) that represent a variety of asset classes and investment styles.

2. What are ARDSX top holdings?

ARDSX has 0 stock holdings and 0 bond holdings.

The top 10 holdings represent 69.78% of total assets. Here are the top holdings:

Name Symbol % Assets
American Century NT Diversified Bond G ACLDX 14.00%
American Century NT Large Co Val G ACLLX 10.11%
American Century Sustainable Equity G AFEGX 7.80%
American Century NT Mid Cap Value G ACLMX 6.26%
American Century NT Growth G ACLTX 6.20%
American Century NT International Gr G ACLNX 5.67%
American Century Global Bond G AGBGX 5.64%
American Century NT Heritage G ACLWX 5.22%
American Century NT Emerging Markets G ACLKX 4.65%
American Century NT Equity Growth G ACLEX 4.23%

3. What is ARDSX performance? What are ARDSX historical returns?

ARDSX has generated the following returns:

  • 1-month return is 1.47%;
  • 3-month return is 6.97%;
  • 1-year return is 11.65%;
  • 3-year return is 7.91%;
  • 5-year return is 8.85%;
  • 10-year return is 9.41%.

4. How many up and down years did ARDSX have historically?

In the last 10 years, ARDSX had 7 up years and 3 down years. See Performances

5. What is ARDSX dividend yield?

ARDSX yield is 1.78%.

6. What is ARDSX minimum initial investment amount?

ARDSX minimum initial investment amount is N/A.

7. What is ARDSX expense ratio?

ARDSX expense ratio is 0.66%. The expense ratio of a fund is the total percentage of fund assets used for administrative, management, and all other expenses. See Expenses

8. Does ARDSX have any sales loads or 12b-1 distribution expenses?

ARDSX 12b-1 distribution fee is 0. ARDSX front-end sales load is 0. ARDSX back-end sales load is 0.

9. What is ARDSX tax efficiency (tax-cost ratio)?

  • 1-year ax cost ratio is 2.19%;
  • 3-year ax cost ratio is 1.94%.

See Taxes

10. What is ARDSX beta? How would you assess ARDSX risk?

  • 3-year beta is 1.20;
  • 5-year beta is 1.20;
  • 10-year beta is 1.22.

See Risks

11. What is ARDSX Sharpe ratio?

  • 3-year Sharpe ratio is 0.43;
  • 5-year Sharpe ratio is 0.50;
  • 10-year Sharpe ratio is 0.86.

See Risks

Analysis

12. What is Finny Score? buy or sell?

Finny Score is 67. Our quantitative analysis shows 4 reasons to buy and 2 reasons to sell it, resulting in the Finny Score of 67.

13. What are the pros of investing in ARDSX? What are ARDSX buy reasons?

The following are ARDSX strengths from our perspective:

  • <strong>ARDSX 3-year return</strong> is 7.91%, which is higher than the 3-year return of the benchmark index (S&P Target Date To 2040 TR), 6.92%.
  • <strong>ARDSX 5-year return</strong> is 8.85%, which is higher than the 5-year return of the benchmark index (S&P Target Date To 2040 TR), 8.76%.
  • <strong>ARDSX 10-year return</strong> is 9.41%, which is higher than the 10-year return of the benchmark index (S&P Target Date To 2040 TR), 8.72%.
  • Good news: this fund does not have 12b1, front-end or back-end sales fees.

14. What are the cons of investing in ARDSX? What are ARDSX negatives?

The following are ARDSX weaknesses from our perspective:

  • <strong>ARDSX net assets</strong> are $461.10 million. This fund is not a popular choice with retail investors.
  • <strong>ARDSX expense ratio</strong> is 0.66%, which is not negligible. Is the fund expensive to you, and does it align to your investment strategy?
In the ARDSX review, we covered ARDSX key stats (return, performance, yield, expense ratio, and holdings), buy and sell analysis, and alternative investments. If this review was helpful to you, feel free to check out other mutual fund and ETF reviews.
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