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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

What We Offer

UGMA/UTMA custodial accounts

These custodial accounts, which are named for the Uniform Gifts to Minors Act (UGMA) and the Uniform Transfers to Minors Act (UTMA), let investors take advantage of the lower tax rate for children while saving for education.

Who should consider a UGMA/UTMA account?

Investors who want a tax-advantaged investment
Anyone can contribute up to $15,000 per child each year free of gift-tax consequences ($30,000 for married couples). This amount is indexed for inflation and may increase over time. Because contributions are made with after-tax dollars, a deduction cannot be taken.

For children under age 19 and full-time students under age 24 whose earned income is less than one-half of their support, the first $1,100 of earnings is tax-free. Earnings between $1,100 and $2,200 are taxed at the child’s rate; earnings above $2,200 are taxed using the brackets and rates for estates and trusts.

Investors who aren’t confident the beneficiary will attend college
UGMA/UTMA accounts aren’t limited to education expenses. Withdrawals can be used for anything that benefits the beneficiary.

Investors who want the beneficiary to gain control of the account
Once the age of majority has been reached — 18 or 21 in most states — the beneficiary is entitled to the account.

Investors who expect to make large contributions
There are no contribution limits on UGMA/UTMA accounts.

Set up an account

Call your financial professional to open an account with American Funds. Don’t have a financial professional?

Investment options

American Funds Portfolio SeriesSM

Objective-focused
Select a fund of funds portfolio that is based on your objective like growth, income and preservation.

Individual mutual funds

Customized
Build an education savings portfolio of American Funds tailored to your specific needs.

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.

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., 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.

Allocations may not achieve investment objectives. The portfolios' risks are directly related to the risks of the underlying funds.