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RETIREMENT PLAN INVESTOR

Use your plan ID (available on your account statement) to determine which employer-sponsored retirement plan website to use:

IF YOUR PLAN ID BEGINS WITH IRK, BRK, 1 OR 2

Visit americanfunds.com/retire

IF YOUR PLAN ID BEGINS WITH 34 OR 135

Visit myretirement.americanfunds.com

Building blocks for a better DC menu

To improve participant outcomes, we are making suggestions in the three major asset classes:

Help do-it-yourself investors make smarter choices

Simplify core menus into fewer building blocks geared toward helping the average participant succeed, not just the savviest

Consider offering funds with broad mandates that can provide strong diversification and risk-adjusted results

Reasons to rethink your core menu

Nearly 80% of defined contribution (DC) assets lie outside QDIA default options.*

Menus are too long and complicated, averaging 19 non-target date funds*

Of these, participants typically choose only 3-4 funds, which could lead to over-concentrated portfolios

DC menus are imbalanced

Average number of core menu options per asset class*

*Source: The BrightScope/ICI Defined Contribution Plan Profile: A Close Look at 401(k) Plans, 2015. BrightScope and Investment Company Institute, March 2018.

Source: Gur Huberman and Wei Jiang, Offering vs. Choice in 401(k) Plans: Equity Exposure and Number of Funds, Columbia Business School, 2014.

"Other" includes guaranteed investment contracts, commodity funds, real estate funds, and individual stocks (including company stock) and bonds.

Learn about our suggestions in the three major asset classes

Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.

All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund. All other company and product names mentioned are the property of their respective companies.

Use of this website is intended for U.S. residents only.

American Funds Distributors, Inc., member FINRA.

This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.