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Participants work hard for their dreams. So do we.

Morningstar Analyst rating of “Gold”* goes to F-2, F-3, R-5 and R-6 share classes of American Funds Target Date Series2

* As of January 25, 2022

Discover what sets our Series apart

Target date funds have a lot in common. But the American Funds Target Date Series takes a distinctive approach that has delivered uncommon investment outcomes and helped thousands of participants come closer to achieving their financial dreams.

A history of strong results

Our Series has outpaced its peers over the long haul.

Seeking to build and preserve wealth

Our Series adapts to changing participant needs by adjusting both its stock/bond mix and the types of assets held through each stage of life.

Our Series adapts to changing participant needs by adjusting both its stock/bond mix and the types of assets held through each stage of life.

This chart illustrates our strategic glide path shifting from a higher equity to a higher fixed income allocation over time while also explaining the shift in philosophy from wealth creation to wealth preservation.

Source: Capital Group. The target allocations shown are as of December 31, 2021, and are subject to the oversight committee’s discretion. The investment adviser anticipates assets will be invested within a range that deviates no more than 10% above or below the allocations shown in the prospectus/characteristics statement. Underlying funds may be added or removed during the year. Visit for current allocations.

The target allocations shown are as December 31, 2021, and are subject to the oversight committee‘s discretion. The investment adviser anticipates assets will be invested within a range that deviates no more than 10% above or below the allocations shown in the prospectus. Underlying funds may be added or removed during the year. Visit for current allocations.

Working for participants at every stage of life

The illustration below shows funds that have generated market-beating results for a range of target retirement dates.

Three factors driving our success


Solid building blocks

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


Delivering value at a low cost

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


A distinctive approach

Our glide path is different. While our Series changes the mix between stocks and bonds, it also changes the types of assets held. This is designed to better align with participant needs over time.

Making a difference

Our Target Date Solutions Committee, which oversees the Series, brings a diversity of experience and draws on the fundamental research and quantitative resources of the global Capital Group team. 


27 years of investment industry experience

Fixed income

34 years of investment industry experience


33 years of investment industry experience


29 years of investment industry experience


29 years of investment industry experience


28 years of investment industry experience


34 years of investment industry experience

Years of experience as of December 31, 2021.

Global research offices


About Capital Group

Capital Group has a distinctive, long-term global investment approach that relies on fundamental research. Privately held since its founding in 1931 and with more than $2.7 trillion under management, the firm has more than 450 investment professionals worldwide.*

*As of December 31, 2021.
This is a chart of Capital Group's 11 global research offices: San Francisco, Los Angeles, Toronto, New York, Washington D.C., London, Geneva, Mumbai, Singapore, Hong Kong,  and Tokyo.

Global research offices 

Global research offices:

Los Angeles


San Francisco


New York

Hong Kong

Washington, D.C.








Compare us to the competition

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Contact us

Our team is ready to help you help participants.

Important investment disclosures

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. Investing for short periods makes losses more likely. Prices and returns will vary, so investors may lose money. View fund expense ratios and returns.

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.

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

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.

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

Allocations may not achieve investment objectives. The portfolios' risks are directly related to the risks of the underlying funds.

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.

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.

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.

Capital Group offers a range of share classes designed to meet the needs of retirement plan sponsors and participants. The different share classes incorporate varying levels of financial professional compensation and service provider payments. Because Class R-6 shares do not include any recordkeeping payments, expenses are lower and results are higher. Other share classes that include recordkeeping costs have higher expenses and lower results than Class R-6.

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.

Investment results assume all distributions are reinvested and reflect applicable fees and expenses.

When applicable, results reflect fee waivers and/or expense reimbursements, without which they would have been lower and net expenses higher. Please see for more information. Read details about how waivers and/or reimbursements affect the results for each fund. View results and yields without fee waiver and/or expense reimbursement.

  1. 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 R-6 were first offered on 5/1/2009.
    Results for certain funds with an inception date after the share class inception also include hypothetical returns because those funds' shares sold after the funds' date of first offering. View dates of first sale and specific expense adjustment information.
  2. The Morningstar Analyst Rating™ is not a credit or risk rating. It is a subjective evaluation performed by Morningstar's manager research group, which consists of various Morningstar, Inc. subsidiaries (“Manager Research Group”). In the United States, that subsidiary is Morningstar Research Services LLC, which is registered with and governed by the U.S. Securities and Exchange Commission. The Manager Research Group evaluates funds based on five key pillars, which are process, performance, people, parent, and price. The Manager Research Group uses this five pillar evaluation to determine how they believe funds are likely to perform relative to a benchmark, or in the case of exchange-traded funds and index mutual funds, a relevant peer group, over the long term on a risk-adjusted basis. They consider quantitative and qualitative factors in their research, and the weight of each pillar may vary. The Analyst Rating scale is Gold, Silver, Bronze, Neutral, and Negative. A Morningstar Analyst Rating of Gold, Silver, or Bronze reflects the Manager Research Group's conviction in a fund's prospects for outperformance. Analyst Ratings ultimately reflect the Manager Research Group's overall assessment, are overseen by an Analyst Rating Committee, and are continuously monitored and reevaluated at least every 14 months. For more detailed information about Morningstar's Analyst Rating, including its methodology, please go to

    The Morningstar Analyst Rating (i) should not be used as the sole basis in evaluating a fund, (ii) involves unknown risks and uncertainties which may cause the Manager Research Group's expectations not to occur or to differ significantly from what they expected, and (iii) should not be considered an offer or solicitation to buy or sell the fund.

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.

©2022 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.

Morningstar categories

American Funds Target Date 2010

Morningstar Target Date 2000–2010

American Funds Target Date 2015

Morningstar Target Date 2015

American Funds Target Date 2020

Morningstar Target Date 2020

American Funds Target Date 2025

Morningstar Target Date 2025

American Funds Target Date 2030

Morningstar Target Date 2030

American Funds Target Date 2035

Morningstar Target Date 2035

American Funds Target Date 2040

Morningstar Target Date 2040

American Funds Target Date 2045

Morningstar Target Date 2045

American Funds Target Date 2050

Morningstar Target Date 2050

American Funds Target Date 2055

Morningstar Target Date 2055

American Funds Target Date 2060

Morningstar Target Date 2060

American Funds Target Date 2065

Morningstar Target Date 2065+



Index definitions

The S&P Target Date Series comprises 12 multi-asset class indices, each corresponding to a particular target retirement date. Each index provides varying levels of exposure to equities and fixed income. Each target date allocation is created and retired according to a pre-determined schedule related to the respective target date.

For quarterly updates of fund allocations, click here.