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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
Retirement is probably the most expensive thing you’ll ever pay for. Because of that, it may be difficult to put the amount you may need to save into perspective.
For simplicity, let’s assume:
If you saved this amount … |
… here’s how much you could withdraw annually for 25 years |
---|---|
$100,000 |
$7,823 |
$200,000 |
$15,645 |
$300,000 |
$23,468 |
$400,000 |
$31,291 |
$500,000 |
$39,113 |
$600,000 |
$46,936 |
$700,000 |
$54,759 |
$800,000 |
$62,581 |
$900,000 |
$70,404 |
$1,000,000 |
$78,227 |
These hypothetical examples are for illustrative purposes only and do not portray actual investment results.
Keep in mind that these examples don’t include factors such as inflation and volatility, which can have a big impact on your purchasing power and account value. For example, if inflation were 4% a year, a withdrawal of $31,291 25 years from now would only be worth $11,738 in today’s dollars. Investment losses would decrease your account’s growth potential in subsequent years. To account for these factors, you might need to save even more.
Many experts estimate that you’ll need 70% or more of your final annual salary each year in retirement. Social Security may only provide around 40% of what you need. And don’t forget that retirees typically have different types of expenses compared to people still in the workforce, such as increased health care and travel costs. Use our retirement planning calculator to estimate how much you’ll need.
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.