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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, 2 OR 754

Visit americanfunds.com/retire

IF YOUR PLAN ID BEGINS WITH 34 OR 135

Visit myretirement.americanfunds.com

Will I be able to afford the retirement I want?

Get ahead of yourself: Take control of your retirement

Retirement is the beginning of a whole new journey — navigated by you. Focusing on your financial future is a big step toward your dream retirement destination.

 

Predict the future
Does your perfect retirement involve never working again? Have you dreamed about starting a small consulting firm, devoting time to charity work, hanging out with grandkids or moving abroad? Now is a good time to talk to your financial professional about where you see yourself and how to plan for it. As a matter of fact, one Capital Group study found that investors who took the time to envision their retirement tended to save 31% more toward making it happen.*

Add up your assets
Your parents may have worked for only one company and retired with a pension. These days? Not so much. It’s likely that you’ll be funding your own retirement, so take inventory of your assets, including checking and savings, investments, retirement and healthcare savings accounts, as well as property equity and income. Use a retirement calculator to get a sense of the potential income generated from these accounts.

Max out to catch up
If you can, make the maximum 401(k) plan contribution. With the benefit of tax-deferred compounding, your investments could potentially grow more quickly. If you’re not in a position to contribute the max, try increasing it by a bit each year. And make sure you’re taking advantage of any matching contributions your company offers.

Save and save again
Already taking advantage of your workplace plan? There are additional ways to save for retirement. Ask your financial professional about the tax benefits and contribution limits of Traditional or Roth individual retirement accounts.

Review, rebalance and reenergize
Once you have a mix of investments that suits your goals and risk, it’s a good idea to check in at least once a year to ensure that your investments remain in balance. Your financial professional may be able to optimize your portfolio to increase potential returns without pushing you out of your comfort zone.

*Source: Capital Group, “Wisdom of Experience” investor survey, October 2018.

About us

Learn about Capital Group and find resources to get you started.

Who we are

One of the world's largest investment managers, we've helped investors succeed by remaining true to our values and approach. We believe in a distinctive way of managing money, an emphasis on research, a long-term view and the recognition of the power of relationships.

What we do

Capital Group offers a variety of investment options to help you pursue your objectives — including American Funds, one of the largest mutual fund families in the U.S.

Where to find our funds

Your financial professional can tell you more about American Funds. Or, you can purchase our funds yourself through an online broker.

Important questions to consider

Whether you are collaborating with a financial professional or figuring out your own finances, these questions can help get you started.

  • Am I on track to achieve my retirement goals?

  • How much should I contribute to my retirement plan to get me closer to my dreams?

  • How should I rebalance my portfolio to stay well diversified?

The value of guidance

A financial professional can work with you to define your goals and create a plan to help make them a reality. From establishing a budget to selecting investments to riding out market shifts, an advisor can help you make decisions based on your specific situation.

Looking for a financial professional?

Our locator tool can help you find professionals in your area.

Check the background of these investment professionals on FINRA’s BrokerCheck.

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.

Statements attributed to an individual represent the opinions of that individual as of the date published and do not necessarily reflect the opinions of Capital Group or its affiliates. This information is intended to highlight issues and should not be considered advice, an endorsement or a recommendation.

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.