TDF Participant 2016 Website | American Funds

American Funds Target Date
Retirement Series®

Set Your Sights on Retirement and Beyond.

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Learn How the Investment Mix Changes Over Time

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A target date fund is a professionally managed collection of mutual funds designed to help you invest for retirement.

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.

Each of Our Target Date Funds Can Serve as a Complete Portfolio

With an American Funds target date retirement fund, you get diversification and professional oversight in one easy-to-use investment.

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“Investors in American Funds’ series have benefited from consistently peer-beating results. ...”

Morningstar®1


One Fund, Many Benefits

A Long-Term Investment

Our funds are designed to help you invest for retirement and meet your changing needs over time.

Investments That Change 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.

A Variety of Investments

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.

Professional Oversight

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.

Lipper Awards

Eight of our American Funds target date funds have won 2016 Lipper Fund Awards for achieving consistently strong results.2

 

Accolades from Morningstar

More than half of the underlying funds made Morningstar’s list of 50 “fantastic” funds - more than any other target date fund family.3

 



Superior Fund Results Can Lead to Better Outcomes

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American Funds’ consistent approach, in combination with our proprietary investment process, The Capital System℠, has resulted in a superior long-term track record.4





 For fund results or for information about your retirement plan, talk with your plan provider or employer, or visit your plan’s website.


1 Morningstar Target-Date Fund Landscape Report, April 2015 

2 The 2017 Lipper Fund Awards were awarded on March 23, 2017, and based on risk-adjusted returns as of November 30, 2016.

From Thomson Reuters Lipper Awards, © 2017 Thomson Reuters. All rights reserved. www.lipperweb.com for additional information.

3 Source: Morningstar, FundInvestor, June 2017. Morningstar evaluated funds based on eight criteria that included manager tenure, fund track record and investment results, as well as Morningstar’s own ratings. Not all 11 funds listed in the “Great 38” are in each target date fund. Underlying funds may change over time.

4 Our equity funds have beaten their Lipper peer indexes in 91% of 10-year periods and 95% of 20-year periods. Our fixed-income funds have beaten their Lipper indexes in 58% of 10-year periods and 58% of 20-year periods. Based on Class A share results for rolling periods through December 31, 2015. Periods covered are the shorter of the fund's lifetime or since the comparable Lipper index inception date (except Capital Income Builder and SMALLCAP World Fund, for which the Lipper average was used). 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.