TARGET DATE SIMPLIFIED

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.

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 SeriesSM, you have a CIT.

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

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.


Why target date funds can be a good choice

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

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.

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

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.

Important information about objectives, risks, charges and expenses for collective investment trusts is contained in the Characteristics Statement, which can be obtained from Capital Group or participants' plan provider or employer.

Each target date portfolio is composed of a mix of underlying funds and is subject to the risks and returns of those funds. Underlying funds may be added or removed during the year. 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. 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 manage the portfolio, moving it from a more growth-oriented strategy to a more income-oriented focus as the target date gets closer. Investment professionals continue to manage each portfolio for approximately 30 years after it reaches its target date.

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.

Collective Investment Trusts (CITs) are available for investment only to certain qualified retirement plans. Capital Group CITs are maintained by Capital Bank and Trust Company (“trustee”), which has retained an affiliate to serve as investment adviser to the trustee.

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.