RETIREMENT TARGET DATE
Target date funds simplify retirement savings with a single, easy-to-use investment. Simply choose a fund closest to the year you plan to retire.
ACCOUNT INFORMATION
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INSTITUTIONS
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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
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INVESTMENT OPTIONS
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OUR APPROACH
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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
Have you 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, your time horizon, tolerance for risk of loss and the potential for losing money.
Spread out your money
Many people start by dividing their money among investments, which is 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 that 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. Funds focused on growth with a proven track record make 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. Funds 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 funds with the potential to preserve capital and provide a steady income once she’s retired.
Anna’s strategy:
Help me find the right investment
Capital Group has products that fit many investing styles and investment objectives. Answer a few questions, and we’ll provide you with several investing options that might fit your needs.
What's your investing style?
Most investors fall into one of two paths. Choose yours, and we’ll tailor options to match your approach.
Let's narrow this down.
There are two different paths that could work with your approach.
Target date funds may fit your investing style
WHAT ARE TARGET DATE FUNDS?
These self-adjusting funds start out focused on growing your investment. As the fund gets closer to its target date (the date you plan to start taking out money, say for retirement or college), it will shift its primary focus from growth to reducing the volatility of your investment and ultimately to maintaining the value of your investment.
New to investing? Explore key topics to consider before investing.
TARGET DATE OPTIONS
Our target date funds are built to help you achieve your goal, whether that is retirement or saving for college.
COLLEGE TARGET DATE
A convenient way to save for college is to use a fund that’s timed to when you'll need the money to pay for tuition and other related expenses.
These portfolio options may fit your investing style
HOW DO THESE PORTFOLIOS WORK?
Each portfolio option is a collection of funds designed to pursue a specific investment objective. The balance of funds within the portfolio is managed to make sure it stays aligned with that objective regardless of market conditions.
New to investing? Explore key topics to consider before investing.
PORTFOLIO OPTIONS
Each of our funds has a specific objective and is managed to keep it on track. Choose the portfolio objective that best fits your needs.
APPRECIATION
Pursue your longer term objectives by investing in growth-focused companies around the world.
GROWTH AND INCOME
Balance your need for growth with the lower volatility often offered by dividend-paying companies.
RETIREMENT INCOME
Designed for retirees who want to make regular withdrawals from the fund while seeking to preserve as much of the initial investment as possible.
PRESERVATION AND INCOME
Seek to preserve the value of your investment with current income, which can help you pay for unexpected expenses.
What is most important to you in an investment?
There isn't one investment that’s best for everyone. What matters most is finding funds that match your investing priorities.
These funds may fit your investing style
WHY THESE TYPES OF MUTUAL FUNDS?
Growth can help you pursue a path to long-term investment success. You’re interested in achieving or even exceeding your investment goal over the long term. At the same time, you realize that there will be the inevitable ups and downs and, as with any investment, it's possible you could lose money.
New to investing? Explore key topics to consider before investing.
MUTUAL FUND CATEGORIES
Our funds are organized into investment categories. Here’s how funds in these categories might invest your money. Choose the category that best fits your needs.
GROWTH FUNDS
Invest in companies with strong earnings potential that have the potential to outpace their competition over the long run.
GROWTH-AND-INCOME FUNDS
Invest in quality companies that pay dividends and other investments that distribute income to investors.
BALANCED FUNDS
Invest in a diversified mix of stocks and bonds, which seeks to provide a smoother ride while pursuing both growth and income.
These funds may fit your investing style
WHY THESE TYPES OF MUTUAL FUNDS?
Funds whose returns come from both asset growth and income (from stocks that have growth potential and pay dividends or bonds that pay interest) may fit your investing style.
New to investing? Explore key topics to consider before investing.
MUTUAL FUND CATEGORIES
Our funds are organized into investment categories. Here’s how funds in these categories might invest your money. Choose the category that best fits your needs.
EQUITY-INCOME FUNDS
Invest in well-established, dividend-paying companies to help pursue longer term goals.
BALANCED FUNDS
Invest in a diversified mix of stocks and bonds, which seeks to provide a smoother ride while pursuing both growth and income.
TAXABLE BOND FUNDS
Invest in a highly diversified mix of bonds that seeks to generate monthly income through investing in bonds and other income-producing investments.
TAX-EXEMPT BOND FUNDS
Invest in municipal bonds that seek to provide tax-exempt monthly income while preserving your initial investment.
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.
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.