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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

AMERICAN FUNDS TARGET DATE RETIREMENT SERIES®

A distinctive glide path

A sophisticated approach, made simple

The Series holds meaningful amounts of equity near retirement to help build wealth. But it also changes the types of equities and bonds over time to help manage risk in an approach we call our Glidepath within a glidepathSM.


We believe investors should hold different stocks as they age

Our Series reflects a belief that the types of stocks held, not just the amounts, can help offset age-specific risks participants face.

Top 10 largest equity holdings of the underlying funds in each vintage

Early career (2055 fund)

The vintage emphasizes funds with exposure to high-growth, low-yielding stocks for investors further from retirement.

This chart shows how the types of stocks the Series has exposure to shifts from more growth-oriented, low- or no-income stocks to more defensive, income-oriented stocks later in the glide path. For instance, the 2055 fund has exposure to Facebook (which pays no dividend) while the 2015 fund has exposure to Royal Dutch Shell, which pays a 10.31% dividend yield.

In retirement (2015 fund)

The vintage emphasizes funds with exposure to dividend-paying stocks for investors in retirement who are more sensitive to market downturns.

This chart shows how the types of stocks the Series has exposure to shifts from more growth-oriented, low- or no-income stocks to more defensive, income-oriented stocks later in the glide path. For instance, the 2055 fund has exposure to Facebook (which pays no dividend) while the 2015 fund has exposure to Royal Dutch Shell, which pays a 10.31% dividend yield.

Sources: Capital Group, Morningstar. Top 10 largest equity holdings as of June 30, 2020. Weighted-average yields as of September 30, 2020. The weighted-average yield adjusts the yield of each stock by the stock’s weight within the Top 10 portfolio. The adjusted yields are then summed. When multiple share classes of a stock exist, the largest holding’s yield is shown. Holdings of the funds will change over time.


The freedom to adapt

Our Series features multi-asset and global strategies that empower portfolio managers of the underlying funds to use measured flexibility to pursue investment opportunities across geographies and asset classes. The views of these portfolio managers influence the Series’ asset mix.

Equity exposure (%) based on historical asset mix of underlying strategies

This chart shows how the Series' historical asset mix between stocks and bonds has shifted over time as the portfolio managers respond to market conditions. For the 2060 vintage, the equity allocation is currently 86.1%, which is the maximum allocation since the fund's inception, while 79.5% is its all-time low.

Geographic flexibility based on historical asset mix of underlying strategies

This chart shows how the Series' exposure to non-U.S. investments has shifted over time as the portfolio managers respond to market conditions. For the 2060 vintage, the allocation to non-U.S. investments has been as high as 34.1% and as low as 27.4%

Source: Capital Group. As of December 31, 2019. Average and ranges of exposure were calculated using the historical quarterly asset mix of each underlying fund since Series inception, based on the glide path as it existed on December 31, 2019. Although the data are based on the December 31, 2019, glide path, the Series’ glide path changed multiple times prior to that date. Therefore, movements in asset exposure shown in the chart reflect only the changes in the asset mix within the underlying funds from Series inception to December 31, 2019; the movements do not reflect the historical top-down changes to the glide path made over the life of the Series. The maximum and minimum values reflect the highest and lowest asset exposure based on the underlying funds’ historical asset mixes at each point of the December 31, 2019 glide path; the average reflects the average asset class exposure under the same parameters. Current asset mixes reflect underlying fund data and the glide path as of December 31, 2019.

UNDERLYING FUNDS

Solid building blocks

Our funds have delivered peer-beating results and held up well in down markets.

LOW FEES

Delivering value at a low cost

We encourage a focus not just on expenses but on value delivered to participants.

OVERVIEW

What sets the American Funds Target Date Retirement Series apart?

We take an an active approach, focusing on building and preserving the wealth it takes a lifetime to earn.

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Our team is ready to help you help participants.

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.

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.

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.

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.

©2021 Morningstar, Inc. All Rights Reserved. Except for Lipper rating information, 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, its content providers nor Capital Group are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. Information is calculated by Morningstar. Due to differing calculation methods, the figures shown here may differ from those calculated by Capital Group.