American Funds ®

American Funds Investors

Joyce Kimura: How She Realized Her Retirement Goal to Travel the World

American Funds investor Joyce Kimura shares how she started putting away $25 a month to reach her goal of traveling in retirement. 



Joyce Kimura


Recorded June 2012

Joyce Kimura: I think I always thought that when I retired, I wanted to travel. Because even when I was teaching, I would travel in the summer when I could. So yeah, that was one of my goals was to be able to afford to travel when I had the time.   

I love to eat. I like to cook and bake and so forth. And one of the things I love about traveling is that you get to eat the food in the country, so that’s one of the things I really love about traveling. I love to eat. 

Well, actually, my financial advisor got me started in putting away monthly whatever I could afford. I think it was $25. Of course, I wasn’t making very much either. I was probably making $700 a month, if that. 

But I just started with $25 and then I would just gradually increase it. If I got a raise, I would maybe take a little bit of that and increase my investment. It was taken out of my paycheck so I didn’t really miss it. No matter whether the market went up or down, I just kept putting in that monthly amount that I had committed to, and I did that for over, well, about 37½ years. 

When the market went down I really didn’t need to adjust my investment withdrawals, because I was pretty much just trying to live on what I was still earning or getting from my pension. I didn’t want to open the statement when it came. I think everyone felt that way because you know, you looked at it and everything had gone down. So I did talk to him and he was reassuring. So I just pretty much went with his advice. 

I think teachers have to be conservative because they don’t make a lot of money. When teachers are starting out and if they have a family, they don’t have a lot of extra money to invest. I think my style is that I just consistently invested every month, and so it turned out well.

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.   

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 not to be comprehensive or to provide advice. 

Past results are not predictive of results in future periods.