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中國香港特別行政區

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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, 754, 1 OR 2

Visit americanfunds.com/retire

IF YOUR PLAN ID BEGINS WITH 34 OR 135

Visit myretirement.americanfunds.com

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Retirement Planning

Will You Have Enough Savings at Retirement?

Retirement is probably the most expensive thing you’ll ever pay for. Because of that, it may be difficult to put the amount you may need to save into perspective.

How Much Would You Be Able to Withdraw Each Year?

For simplicity, let’s assume:

  • You’re ready to retire today and plan to have your retirement savings last 25 years.
  • You’ve moved your savings into more conservative investments that you believe are appropriate for retirement. The investments will provide a constant 6% annual return.
  • You’ll withdraw the same amount at the end of each year.

    If you saved this amount… …here’s how much you could withdraw annually for 25 years
    $100,000 $7,823
    $200,000 $14,645
    $300,000 $23,468
    $400,000 $31,291
    $500,000 $39,113
    $600,000 $46,936
    $700,000 $54,759
    $800,000 $62,581
    $900,000 $70,404
    $1,000,000 $78,227

    These hypothetical examples are for illustrative purposes only and do not portray actual investment results.

Keep in mind that these examples don’t include factors such as inflation and volatility that can have a big impact on your purchasing power and account value. For example, if inflation were 4% a year, a withdrawal of $31,291 25 years from now would only be worth $11,738 in today’s dollars. Investment losses would decrease your account’s growth potential in subsequent years. To account for these factors, you might need to save even more.

Many experts estimate that you’ll need 80% or more of your final annual salary each year in retirement. Social Security may only provide around 40% of what you need. And don’t forget that retirees typically have different types of expenses compared to people still in the workforce, such as increased health care and travel costs. Use our retirement planning calculator to estimate how much you’ll need.


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.

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. Use of this website and materials is also subject to approval by your home office.

American Funds Distributors, Inc.

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.

The results of this calculator are for illustrative purposes and do not portray actual investment results. Your experience may differ. This calculator assumes that the withdrawal amount is taken annually as a lump sum, and is based on initial total retirement savings and the withdrawal rate. The withdrawal amount is constant, except it may be less in the year money runs out. The hypothetical rate of return is constant. This calculator does not account for inflation or volatility, which could significantly affect your results.