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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

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.

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

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.