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INSTITUTIONS
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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
Fee Waivers and Expense Reimbursements
Fee waivers and expense reimbursements for each fund are described below.
Investment results reflect the waiver and reimbursements, without which results would have been lower.
Please see each fund’s most recent annual report or prospectus for details.
As of 12/31/2020 (updated quarterly).
Growth Funds
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser is currently reimbursing a portion of the other expenses. This reimbursement will be in effect through at least January 1, 2022. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.
- The investment adviser is currently reimbursing a portion of the other expenses (except for Class F-3 shares). This reimbursement will be in effect through at least January 1, 2022. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.
- The investment adviser is currently reimbursing a portion of the other expenses for Class F-3 shares so that total expenses do not exceed 0.65%. This reimbursement will be in effect through at least January 1, 2024. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.
- From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.
- From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
Growth-and-Income Funds
- The fund’s transfer agent is currently waiving a portion of the other expenses for Class F-3 shares. This waiver will be in effect through at least October 30, 2021. The transfer agent may elect at its discretion to extend, modify or terminate the waiver at that time.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.
- Since the fund’s inception through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.
- The investment adviser has reimbursed expenses for share classes R-1, R-2 and R-4 in the past.
- From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.
- From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds and the business manager for Washington Mutual Investors Fund waived a portion of their management fees.
Equity-Income Funds
- The investment adviser has reimbursed a portion of other expenses in the past.
- From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.
Balanced Funds
- From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.
- The investment adviser has reimbursed a portion of other expenses in the past.
Bond Funds
- The investment adviser is currently reimbursing a portion of other expenses. The reimbursement will be in effect through at least August 1, 2021. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.
- The investment adviser is currently reimbursing a portion of other expenses for all share classes (except for Class F-3 shares). The reimbursement will be in effect through at least October 30, 2021. The adviser may elect at tis discretion to extend, modify or terminate the reimbursement at that time.
- For Class F-3 shares, the fund’s transfer agent is currently waiving a portion of the other expenses. This waiver will be in effect through at least October 30, 2021. The transfer agent may elect at its discretion to extend, modify or terminate the waiver at that time.
- For Class R-1 shares, the fund’s transfer agent is currently reimbursing a portion of the other expenses. This reimbursement will be in effect through at least October 30, 2021. The transfer agent may elect at its discretion to extend, modify or terminate the reimbursement at that time.
- The fund’s transfer agent is currently waiving a portion of the other expenses for Class F-3 shares. This waiver will be in effect through at least October 30, 2021. The transfer agent may elect at its discretion to extend, modify or terminate the waiver at that time.
- The investment adviser is currently reimbursing a portion of the other expenses for Class R-2E shares. This reimbursement will be in effect through at least February 1, 2022. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.
- The investment adviser has waived and/or reimbursed a portion of other expenses in the past.
- The investment adviser is currently reimbursing a portion of other expenses. Net expense ratios reflect the reimbursement, without which they would have been higher. The reimbursement will be in effect through at least May 1, 2021. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time. Please see the fund’s most recent prospectus for details.
- The investment adviser is currently reimbursing a portion of the other expenses and waiving a portion of its management fees. The reimbursement and waiver will be in effect through at least October 30, 2021. The adviser may elect at its discretion to extend, modify or terminate the reimbursement or waiver at that time.
- The fund’s transfer agent is currently reimbursing a portion of the other expenses for Class R-2E shares. This reimbursement will be in effect through at least October 30, 2021. The transfer agent may elect at its discretion to extend, modify or terminate the reimbursement at that time.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The fund’s transfer agent is currently waiving a portion of the other expenses for Class F-3 shares. Investment results and net expense ratios reflect the waiver, without which the results would have been lower and expense ratios would have been higher. This waiver will be in effect through at least October 30, 2021. The transfer agent may elect at its discretion to extend, modify or terminate the waiver at that time.
- The investment adviser is currently reimbursing a portion of other expenses for Class R-2E shares. Investment results and net expense ratios reflect the reimbursement, without which the results would have been lower and expense ratios would have been higher. The reimbursement will be in effect through at least October 30, 2021. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.
- The investment adviser has reimbursed a portion of other expenses in the past.
Tax-Exempt Bond Funds
- The investment adviser is currently reimbursing a portion of the other expenses. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at any time.
- The investment adviser is currently reimbursing a portion of other expenses. The reimbursement will be in effect at least through October 1, 2021. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.
- From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.
- From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.
- From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.
- From September 1, 2004, through December 31, 2008, the investment adviser to the American Funds waived a portion of its management fees.
Money Market Fund
- Virginia529, as program administrator for ABLEAmerica, is currently waiving the fee on Class ABLE-A and ABLE-F-2 shares owed to it as compensation for its oversight and administration of ABLEAmerica. This waiver will be in effect through at least December 1, 2021. Subject to the terms of its contractual arrangement with the investment adviser, Virginia529 may elect to extend, modify or terminate the waiver at that time.
Portfolio Series Funds
- Virginia529, as program administrator of ABLEAmerica, is currently waiving the fee on Class ABLE-A and ABLE-F-2 shares owed to it as compensation for its oversight and administration of ABLEAmerica. This waiver will be in effect through at least January 1, 2022. Subject to the contractual arrangement with the investment adviser, the waiver may be extended, modified or terminated at that time.
- Virginia529, as program administrator of ABLEAmerica, is currently waiving the fee on Class ABLE-A and ABLE-F-2 shares owed to it as compensation for its oversight and administration of ABLEAmerica. This waiver will be in effect through at least January 1, 2022. Subject to the contractual arrangement with the investment adviser, the waiver may be extended, modified or terminated at that time.
- Virginia529, as program administrator of ABLEAmerica, is currently waiving the fee on Class ABLE-A and ABLE-F-2 shares owed to it as compensation for its oversight and administration of ABLEAmerica. This waiver will be in effect through at least January 1, 2022. Subject to the contractual arrangement with the investment adviser, the waiver may be extended, modified or terminated at that time.
- Virginia529, as program administrator of ABLEAmerica, is currently waiving the fee on Class ABLE-A and ABLE-F-2 shares owed to it as compensation for its oversight and administration of ABLEAmerica. This waiver will be in effect through at least January 1, 2022. Subject to the contractual arrangement with the investment adviser, the waiver may be extended, modified or terminated at that time.
- Virginia529, as program administrator of ABLEAmerica, is currently waiving the fee on Class ABLE-A and ABLE-F-2 shares owed to it as compensation for its oversight and administration of ABLEAmerica. This waiver will be in effect through at least January 1, 2022. Subject to the contractual arrangement with the investment adviser, the waiver may be extended, modified or terminated at that time.
- Virginia529, as program administrator of ABLEAmerica, is currently waiving the fee on Class ABLE-A and ABLE-F-2 shares owed to it as compensation for its oversight and administration of ABLEAmerica. This waiver will be in effect through at least January 1, 2022. Subject to the contractual arrangement with the investment adviser, the waiver may be extended, modified or terminated at that time.
- The investment adviser is currently reimbursing a portion of other expenses. The reimbursement will be in effect through at least January 1, 2022. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.
Retirement Income Portfolio Series Funds
- The investment adviser is currently reimbursing a portion of other expenses for Class R-5 shares. Net expense ratios reflect the reimbursement, without which they would have been higher. The reimbursement will be in effect through at least January 1, 2022. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time. Please see the fund’s most recent prospectus for details.
- The investment adviser is currently reimbursing a portion of other expenses for Class R-2E, R-5E and R-5 shares. Net expense ratios reflect the reimbursement, without which they would have been higher. The reimbursement will be in effect through at least January 1, 2022. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time. Please see the fund’s most recent prospectus for details.
- The investment adviser is currently reimbursing a portion of other expenses for Class R-2E and R-5E shares. Net expense ratios reflect the reimbursement, without which they would have been higher. The reimbursement will be in effect through at least January 1, 2022. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time. Please see the fund's most recent prospectus for details.
College Target Date Funds
- The investment adviser is currently reimbursing a portion of the other expenses. This reimbursement will be in effect through at least January 1, 2022. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
Retirement Target Date Funds
- The investment adviser is currently reimbursing a portion of the other expenses. This reimbursement will be in effect through at least January 1, 2022. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.
- The fund’s transfer agent is currently waiving a portion of the other expenses for Class F-3 shares. This waiver will be in effect through at least January 1, 2022. The transfer agent may elect at its discretion to extend, modify or terminate the waiver at that time.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
- The investment adviser has reimbursed a portion of other expenses in the past.
American Funds Global Insight Fund and American Funds International Vantage Fund began investment operations on April 1, 2011, but were only available to a limited number of investors. Now available on the American Funds platform, the reorganized funds have adopted the results and financial history of the original funds.
Use of this website is intended for U.S. residents only.
You could lose money by investing in American Funds U.S. Government Money Market Fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency. The fund's sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will at any time.
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, summary prospectuses, CollegeAmerica Program Description and ABLEAmerica Program Description, which can be obtained from a financial professional and should be read carefully before investing. CollegeAmerica and ABLEAmerica are distributed by American Funds Distributors, Inc. and sold through unaffiliated intermediaries.
Depending on your state of residence, there may be an in-state plan that provides state tax and other state benefits not available through CollegeAmerica (such as financial aid, scholarship funds and protection from creditors) or ABLEAmerica. Before investing in any state's 529 plan, investors should consult a tax advisor. CollegeAmerica and ABLEAmerica are sponsored by Virginia529℠.
The value of fixed income securities may be affected by changing interest rates and changes in credit ratings of the securities.
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.
Visit the SEC website for the American Funds U.S. Government Money Market Fund's most recent filings.
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.