TDF Participant Website | Capital Group
photo-tds-family-hugs

Target Date Retirement Series

Set your sights on retirement and beyond.

A target date fund is a professionally managed collection of investment strategies designed to help you invest for retirement.


Learn how the investment mix changes over time.

  • Explore the American Funds target date series (mutual fund)
  • Explore the Capital Group target date series (CIT)

Find your target date fund

The "target date" is the year closest to the year you plan to retire. To find your target date fund, first click the tab based on the target date fund type referenced in your plan literature. Then select your birth year or the year in which you plan to retire and begin taking retirement withdrawls. This is age 65 for many investors, but may be different for you.


Not sure whether your target date fund is a CIT or mutual fund?

If the plan literature you've received introduces the Capital Group Target Date Retirement Series℠, you have a CIT.

If it introduces the American Funds Target Date Retirement Series®, you have a mutual fund.


Why target date funds can be a good choice

 

(2:31)

See how target date funds work and why they may be the right choice for you. 


One fund. Many benefits.

Each of our target date funds can serve as a complete portfolio.

With a target date retirement fund, you get diversification and professional oversight in one easy-to-use investment.

diverse-portfolio-box1
diverse-portfolio-box2
diverse-portfolio-box3
diverse-portfolio-box4

 

 For fund results or for information about your retirement plan, talk with your plan provider or employer, or visit your plan’s website.

 


 

Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the mutual fund prospectuses/summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing. Similar information about collective investment trusts can be obtained from Capital Group or participants’ plan provider or employer.

Each target date fund is composed of a mix of underlying investment strategies and is subject to the risks and returns of the underlying funds. Underlying funds may be added or removed during the year. Although the target date funds are managed for investors on a projected retirement date time frame, the funds' allocation strategy does not guarantee that investors' retirement goals will be met. The target date is the year in which an investor is assumed to retire and begin taking withdrawals. Capital Group investment professionals manage the target date fund's portfolio, moving it from a more growth-oriented strategy to a more income-oriented focus as the fund gets closer to its target date. Investment professionals continue to manage each fund for 30 years after it reaches its target date.

Fund shares of U.S. Government Securities Fund® or Capital Group U.S. Government Securities Trust℠ are not guaranteed by the U.S. government.

Any collective investment trusts (“CITs”) available under the strategies shown are maintained by Capital Bank and Trust Company (“trustee”), which has retained an affiliate to serve as investment adviser to the trustee for the CITs.


Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

Investing outside the United States involves risks, such as currency fluctuations, periods of illiquidity and price volatility. These risks may be heightened in connection with investments in developing countries. Small-company stocks entail additional risks, and they can fluctuate in price more than larger company stocks. 

The return of principal for bond portfolios and for portfolios with significant underlying bond holdings is not guaranteed. Investments are subject to the same interest rate, inflation and credit risks associated with the underlying bond holdings. Lower rated bonds are subject to greater fluctuations in value and risk of loss of income and principal than higher rated bonds. Investments in mortgage-related securities involve additional risks, such as prepayment risk. While not directly correlated to changes in interest rates, the values of inflation-linked bonds generally fluctuate in response to changes in real interest rates and may experience greater losses than other debt securities with similar durations. 

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.