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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

Retirement Income

Learn why planning for retirement income is not the same as retirement planning, and how to prepare for five retirement realities that may affect you.

It’s important to understand that taking income in retirement (distribution) requires a different investment strategy than saving for retirement (accumulation). The table below outlines the key differences:

Accumulation

Distribution

Emphasis on return

Emphasis on income and capital preservation

A focus on creating a personalized investment portfolio

A focus on creating a total retirement income plan

Time horizon clearly defined, yet adjustable

Time horizon unknowable and not adjustable

Impact of market declines is more manageable

Impact of market declines is less manageable

Inflation managed by wage growth

Inflation managed through investment choices

Learn about the five retirement realities and ways that you can work with your financial professional to reduce their impacts:

ABOUT AMERICAN FUNDS

Teamwork Built on Individuality

Multiple perspectives come together to inspire better results.

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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., 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.