RETIREMENT TARGET DATE
Target date funds simplify retirement savings with a single, easy-to-use investment. Simply choose a fund closest to the year you plan to retire.
WHAT WE OFFER
Investments that seek to turn goals into reality
We make funds for a variety of investing styles
Available through your financial professional or online broker.
Mutual funds
Find mutual funds that can strengthen your investment mix by spreading your money across hundreds of carefully chosen stocks and bonds.
All-in-one strategies
Choose a one-fund solution that aligns with your investment goals.
Target Date Funds
Portfolio Funds
What investment options are right for me?
Here’s what to consider when investing
All-in-one strategies
Choose from collections of funds that auto-adjust to keep up with your goals.
Target Date Funds
Portfolio Funds
Mutual Funds
Find mutual funds that strengthen your investment mix by spreading your money across hundreds of carefully chosen stocks and bonds.
Variable annuity/ Insurance solutions
Variable insurance funds may complement your retirement strategy.
Retirement accounts
A tax-advantaged way to invest for retirement. We offer both accounts for individuals and for businesses that want to offer their employees a qualified plan.
PERSONAL
BUSINESS
Other account types
Plan ahead for a child's future college and other expenses with these tax-advantaged accounts.
Education
Disability Expenses
WHY ACTIVELY MANAGED
Professional managers provide knowledge and experience
Our funds are actively managed, meaning each investment in the fund is carefully chosen and monitored by professional managers whose careers are devoted to researching investments and market trends. They buy or sell investments depending on market conditions and the overall objective of the fund.
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Pursuing better returns
American Funds vs. the index*
The first S&P 500 index-tracking fund was founded in 1976. See how much a hypothetical $10,000 investment in the five equity-focused American Funds available that year would be worth compared to the index more than 40 years later.
Index funds are not striving to outpace their benchmarks; rather, they seek to replicate the benchmark's return pattern.
*$10,000 hypothetical investment in American Funds and the S&P 500 from August 31, 1976, through December 31, 2020
Class F-2, net of all expenses
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AMCAPAMCAP Fund$2,989,04712/31/2020
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AMFAmerican Mutual
Funds$1,361,42812/31/2020 -
GFAThe Growth Fund of America$4,533,14212/31/2020
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ICAInvestment Company of America$1,554,75012/31/2020
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WMIFWashington Mutual
Investors Fund$1,601,29812/31/2020
Investment assumes $10,000 equally weighted ($2,000 per fund) among the five U.S. equity-focused American Funds available for investment at the inception of the original S&P 500 Index fund.
The Standard & Poor’s 500 Composite Index is a market capitalization-weighted index based on the results of approximately 500 widely held common stocks. The market index is unmanaged and, therefore, has no expenses. Investors cannot invest directly in an index. There have been periods when the funds have lagged the index.
Source: Capital Group, using data obtained from Morningstar.
Investment assumes $10,000 equally weighted ($2,000 per fund) among the five U.S. equity-focused American Funds available for investment at the inception of the original S&P 500 Index fund.
The Standard & Poor’s 500 Composite Index is a market capitalization-weighted index based on the results of approximately 500 widely held common stocks. The market index is unmanaged and, therefore, has no expenses. Investors cannot invest directly in an index. There have been periods when the funds have lagged the index.
Source: Capital Group, using data obtained from Morningstar.
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Team-led approach
A team-led, research-driven approach
In our distinctive approach, an integrated team of investment professionals and research analysts work together to identify the best long-term investment opportunities for their fund.
Multiple perspectives**
Our managers represent a diverse set of backgrounds, styles and approaches from across the globe.
Fundamental research**
They hold thousands of meetings with companies every year, helping to drive deep operational understanding of these firms.
Greater experience**
Our managers have invested through multiple market and economic cycles, which helps them maintain a long-term perspective.
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How to invest with us
You can invest in American Funds through online brokers or by working with your financial professional.
Talk to your financial professional
Don’t have one? Our locator can help you find financial professionals in your area.
**Source: Capital Group. In 2020, our Portfolio Managers and Analysts held approximately 20,000 meetings. Years of experience in the industry and at Capital Group are bases on our Portfolio Managers as of 1/1/2021.
Standard & Poor’s 500 Composite Index (“Index”) is a product of S&P Dow Jones Indices LLC and/or its affiliates and has been licensed for use by Capital Group. Copyright © 2021 S&P Dow Jones Indices LLC, a division of S&P Global, and/or its affiliates. All rights reserved. Redistribution or reproduction in whole or in part is prohibited without written permission of S&P Dow Jones Indices LLC.
©2021 Morningstar, Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.
Figures shown are past results and are not predictive of results in future periods. Current and future results may be lower or higher than those shown. Prices and returns will vary, so investors may lose money. Investing for short periods makes losses more likely. View fund expense ratios and returns.
Returns shown at net asset value (NAV) have all distributions reinvested.
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.
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.
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. Investment professionals gradually adjust the portfolio over time so that it becomes more preservation-oriented. The allocation strategy does not guarantee that investors' education savings goals will be met. The target date is the year that corresponds roughly to the year in which the beneficiary is expected to begin taking withdrawals. Investors and their financial professionals should periodically evaluate their investment to determine whether it continues to meet their needs.
This material does not constitute legal or tax advice. Investors should consult with their legal or tax advisors.
Statements attributed to an individual represent the opinions of that individual as of the date published and do not necessarily reflect the opinions of Capital Group or its affiliates. This information is intended to highlight issues and should not be considered advice, an endorsement or a recommendation.
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.
- Certain share classes were offered after the inception dates of some funds. Results for these shares prior to the dates of first sale are hypothetical based on the original share class results without a sales charge, adjusted for typical estimated expenses.
- Class F-2 were first offered on 8/1/2008.
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.