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Qui êtes vous ?

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Wer bist du ?

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Wer bist du ?

Wählen Sie einen anderen Ort

Qui êtes vous ?

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Wer bist du ?

Wählen Sie einen anderen Ort

Qui êtes vous ?

Sélectionnez un autre emplacement

Who are you ?

Select another location

Who are you ?

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

Getting started

What to consider when you invest

Build your investing strategy around a goal

Defining your reasons for investing can help you curate the right balance of funds. Here are some of the most popular goals.

Retire when you want

Your timeline influences your retirement investment strategy. Use our calculator to see the impact.

Save for something big

From a college education to a new home, each big goal takes a slightly different investing strategy. 

Put extra money to work

Recently come into unexpected money? Before investing, decide when you’ll want to spend it.

Three concepts everyone should know

Weighing the role of risk

The greater the risk, the greater the potential return. But you also need to balance it against your other goals, as well as your time horizon, tolerance for risk and the potential for losing money.

Spread out your money

Many people start by dividing their money among investments, a strategy called diversification. It means you’re aiming for a mix of investments that vary by asset class as well as characteristics such as size, industry and geography.

Check back in to stay ahead

Today's highest returning funds aren't always the best choice in the long run. We'll show you how to regularly review your own investments and make adjustments as needed.

Decoding fund details

Let’s break down fund data so you know what some common terms mean, and what to look out for. 

Investment strategies aren’t one size fits all

See how different investors have found an investing strategy to match their needs and goals.

Meet Parker

As a young investor, she has plenty of time to weather the market's ups and downs. A fund focused on growth with a proven track record makes her feel more confident.
 

Parker’s strategy:

Meet Faraj

With plenty saved and less than 20 years to retire, he still wants a growth strategy, just a less risky one. Stocks that pay dividends sound good to him.
 

Faraj’s strategy:

Meet Anna

She’s counting down to retirement and doesn’t want to stumble this close to the finish line. She wants a fund with the potential to preserve capital and provide a steady income once she’s retired.

Anna’s strategy:

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.

Each target date portfolio is composed of a mix of underlying funds and is subject to the risks and returns of those funds. Underlying funds may be added or removed during the year. Although the target date portfolios are managed for investors on a projected retirement date time frame, the allocation strategy does not guarantee that investors' retirement goals will be met. The target date is the year that corresponds roughly to the year in which an investor is assumed to retire and begin taking withdrawals. Investment professionals manage the portfolio, moving it from a more growth-oriented strategy to a more income-oriented focus as the target date gets closer. Investment professionals continue to manage each portfolio for approximately 30 years after it reaches its target date.

Investment professionals gradually adjust the portfolio over time so that it becomes more preservation-oriented. The allocation strategy does not guarantee that investors' education savings goals will be met. The target date is the year that corresponds roughly to the year in which the beneficiary is expected to begin taking withdrawals. Investors and their financial professionals should periodically evaluate their investment to determine whether it continues to meet their needs.

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.