Find Your Target Date Fund
The target date is the year closest to the year you plan to retire. To find your target date fund, select your birth year or the year you plan to retire and begin taking retirement withdrawals. This is age 65 for many investors, but may be different for you.
With an American Funds target date retirement fund, you get diversification and professional oversight in one easy-to-use investment.
Our funds are designed to help you invest for retirement and meet your changing needs over time.
Investment professionals adjust the investment mix to become more conservative as the target retirement date approaches. This can help provide a measure of protection from market declines.
Each fund is made up of a broad range of investments. That’s important when saving for retirement because spreading your investment dollars among different types of investments can help reduce volatility.
Our investment professionals manage the investment mix so you don’t have to. In fact, they continue to manage the funds for an additional 30 years into retirement.
Eight of our American Funds target date funds have won 2016 Lipper Fund Awards for achieving consistently strong results.2
More than half of the underlying funds made Morningstar’s list of 50 “fantastic” funds - more than any other target date fund family.3
American Funds’ consistent approach, in combination with our proprietary investment process, The Capital System℠, has resulted in a superior long-term track record.4
Our fund management fees have been among the lowest in the industry. On average, our management fees were in the lowest quintile 68% of the time, based on the 20-year period ended December 31, 2015, versus comparable Lipper categories, excluding funds of funds.
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.
Investing outside the United States involves risks, such as currency fluctuations, periods of illiquidity and price volatility, as more fully described in the prospectus. 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.
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. Lower rated bonds are subject to greater fluctuations in value and risk of loss of income and principal than higher rated bonds. Investments in mortgage-related securities involve additional risks, such as prepayment risk, as more fully described in the prospectus. 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.
Each target date fund is composed of a mix of the American Funds and is subject to the risks and returns of the underlying funds. Underlying funds may be added or removed during the year. Although the target date funds are managed for investors on a projected retirement date time frame, the funds' allocation strategy does not guarantee that investors' retirement goals will be met. The target date is the year in which an investor is assumed to retire and begin taking withdrawals. American Funds investment professionals manage the target date fund's portfolio, moving it from a more growth-oriented strategy to a more income-oriented focus as the fund gets closer to its target date. Investment professionals continue to manage each fund for 30 years after it reaches its target date.
Fund shares of U.S. Government Securities Fund are not guaranteed by the U.S. government.