American Funds Retirement Income Portfolio Series

The American Funds Retirement Income Portfolio Series consists of three managed portfolios — Conservative, Moderate and Enhanced — that can help retirees address their income and longevity needs.

Made up of American Funds, these portfolios:

  • Were created by the Portfolio Oversight Committee, the predecessor to the Portfolio Solutions Committee — a seven-member team of seasoned investment professionals — based on extensive research and their in-depth knowledge of the underlying funds.
  • Seek to support varying withdrawal rate ranges and risk tolerances while maintaining as much of a retiree’s initial investment as possible.
  • Were designed to be a part of a broadly diversified retirement income portfolio.

Supporting Products

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.

The Retirement Income Portfolio Series' investment allocations may not achieve fund objectives, and adequate income through retirement is not guaranteed. The portfolios' risks are directly related to the risks of the underlying funds. Payments consisting of return of capital will result in a decrease in an investor's fund share balance. Higher rates of withdrawal and withdrawals during declining markets may result in a more rapid decrease in an investor's fund share balance. Persistent returns of capital could ultimately result in a zero account balance.

Investments in mortgage-related securities involve additional risks, such as prepayment risk.

Fund shares of U.S. Government Securities Fund are not guaranteed by the U.S. government.

Lower rated bonds are subject to greater fluctuations in value and risk of loss of income and principal than higher rated bonds.

The return of principal for bond funds and for funds with significant underlying bond holdings is not guaranteed. Fund shares are subject to the same interest rate, inflation and credit risks associated with the underlying bond holdings.

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.

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.

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.