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
MUTUAL FUND RESOURCES
RETIREMENT
MORE OFFERINGS
OUR APPROACH
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Getting started
Retire when you want
I want to retire in ...
No matter where you are in your retirement journey, we can help you pursue your goal.
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20+ years
Planting the seed
Whether you've been saving for years or just getting started, time is on your side.
With this longer time frame, consider focusing on higher risk, higher potential-return growth funds. If market volatility keeps you up at night, a fund that combines stocks and bonds might be a better fit. A diversified, all-in-one investment like a target date fund can be a great option for many retirement investors. Still, it's important to remember that all investments involve risk and you can lose money.
These kinds of funds may match your goals
I want to grow my savings.
Explore funds designed to pursue long-term growth.
I want a potentially smoother ride during big market ups and downs.
Explore funds with a mix of growth potential and dividend income.
I want to invest in a single, easy-to-use investment.
Explore target date funds that adjust their strategy over time.
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10–20 years
Balancing it out
With a shorter window, you may want to pay more attention to risk.
There’s still time for your investment to grow, but you may want to consider an investment with less risk. As you move closer to retirement, you’ll want to think as much about preserving the value of your investment as growing it.
These kinds of funds may match your goals
I want growth without too much risk.
Explore funds that offer both growth from stocks and income from dividends and bond investments.I want a less risky way to pursue my goal.
Explore funds with the potential to grow at a steady pace through stocks and bonds.
I want to invest in a single, easy-to-use investment.
Explore target date funds that adjust their strategy over time.
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1–10 years
In the home stretch
After years of work, it’s nearly time to enjoy your savings.
As you get closer to your goal, you may want to consider investments that focus more on reducing risk and preserving your capital.
These kinds of funds may match your goals
I want a less risky way to pursue my goal.
Explore funds that have the potential to grow at a steady pace through investing in stocks and bonds.
I want to preserve what I’ve built.
Explore lower risk options that can help you cover expenses when you retire.I want a one-fund solution that still works when I'm retired.
Explore target date funds that adjust their strategy over time.
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Questions to ask yourself
How long do I expect to be retired?
While life expectancy varies, your retirement could last 20 years or more.
What can I expect from Social Security?
The current average retirement benefit payment is $1,831 per month, or about $21,968 a year.*
Will I still work after I retire?
Though 70% of workers plan to earn income in retirement, only 27% actually do.†
How to build your plan
ESTIMATE WHAT YOU’LL NEED
Determine what you have saved so far, and then use a tool like FINRA's online retirement calculator to estimate what you’ll need.
MAX OUT TO CATCH UP
Contributing as much as you can to your 401(k) is a good first step to getting on track or catching up.
KEEP ON SAVING
In addition to a workplace plan, and depending on your income and tax-filing status, consider the benefits of traditional and Roth individual retirement accounts (IRAs).
REVIEW AND REBALANCE
Check on your accounts each quarter to make sure they’re working for you and your goals.
Meet Lauren
It’s never too late
Student debt and market crashes kept her from starting to save earlier in her career. Now she worries she won’t have time to catch up.
While she can’t make up for lost years, there’s no better time to start than now. Even a small amount of saving can go a long way.
LAUREN’S STRATEGY: Growth funds
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.
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.
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.
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.
Are you over 40?
Explore more retirement topics, checklists and tools for women over 40.
* Source: Social Security Administration, "Benefits paid by type of beneficiary," data as of February 28, 2023.
† Source: "Retirement Confidence Survey," Employee Benefit Research Institute/Greenwald, 2022.
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.
The return of principal for bond funds and for funds with significant underlying bond holdings is not guaranteed. Fund shares are subject to the same interest rate, inflation and credit risks associated with the underlying bond holdings.
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. 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. 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 continue to manage each portfolio for approximately 30 years after it reaches its target date. Investment professionals gradually adjust a college target date portfolio over time so that it becomes more preservation-oriented. The college target date is the year that corresponds roughly to the year in which the beneficiary is expected to begin taking withdrawals. The allocation strategy does not guarantee that investors' education savings goals will be met. Investors and their financial professionals should periodically evaluate their investment to determine whether it continues to meet their needs.
This material does not constitute legal or tax advice. Investors should consult with their legal or tax advisors.
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.