Retirement Solutions | American Funds

Compete With Confidence.

Make American Funds Your MVP

Which firm have you chosen as your Most Valued Provider for defined contribution plans?

American Funds — among the largest defined contribution managers in the industry1 — was voted by retirement plan advisors as the most reliable provider and the easiest to do business with2.

Which Solution Is Right for Your Clients?

American Funds retirement plan solutions are designed to serve a broad range of clients and offer the advantages of large-plan pricing to small- and mid-size employer-sponsored retirement plans. These solutions are available in a variety of share classes to accommodate third-party administrators (TPAs) and advisor fee-based, including those taking advantage of a recapture account, and commission-based practice models.

RecordkeeperDirect®

  • Designed especially for smaller plans
  • Simple to operate and maintain
  • Low-cost recordkeeping and investments
  • Customized plan administration by a TPA

 PlanPremier®-TPA

  • Designed especially for larger plans
  • Robust yet low-cost plan services
  • Over 1,000 mutual funds from more than 40 investment managers*, including American Funds
  • Customized plan administration by a TPA

*As of 12/31/2016. Available investment options will vary by retirement plan solution and share class.


Save Your Clients Money

The American Funds fixed-dollar approach to plan pricing is designed to be low-cost and transparent and to provide better overall value.

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Low-Cost Pricing
American Funds offers the benefits of large-plan pricing to small- and mid-sized plans.
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Transparent Pricing
With our straightforward pricing approach, plan sponsors know exactly what they’re paying and what those fees are for.
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Compensation
Multiple share classes accommodate a variety of compensation options for TPAs as well as fee-based and commission-based advisors.

Learn more about our retirement plan solutions:

 RecordkeeperDirect

 PlanPremier-TPA


Build a Stronger Plan Menu

Investment returns are critical to any plan participant’s long-term success. With American Funds, you can start with a target date series voted best-in-class2 and then build a diversified investment menu by choosing from among more than 1,000 funds from well-respected managers.*

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Our Target Date Funds Dominate Lipper Awards

American Funds swept the Lipper Awards for three- and five-year periods for all 10 target date categories.3

From Thomson Reuters Lipper Awards, ©2017 Thomson Reuters. All rights reserved. Used by permission and protected by the Copyright Laws of the United States. The printing, copying, redistribution, or retransmission of this Content without express written permission is prohibited.

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13 American Funds Selected for Morningstar’s “Fantastic 43” List

Thirteen American Funds have made the 2017 Morningstar “Fantastic 43” funds list. All 13 are underlying funds for our target date series.4

Learn more about our target date series and our portfolio series:

 American Funds Target Date Retirement Series

 American Funds Portfolio Series

The American Funds Target Date Retirement Series and other highly regarded American Funds are also available on many other DC platforms.

Not all of the American Funds Portfolio Series funds are available in our retirement plan solutions.

TPA Assistance and Information

(800) 421-9900


Trust a Proven Leader

The true test of any long-term retirement plan solution is the level of service and support the provider offers to you as the TPA as well as to plan advisors, plan sponsors and plan participants. That is, does it make your job easier and you more effective?

Retirement plan solutions that can benefit you and your clients.


Advisor Benefits
Personalized Sales Support

Plan Sponsor Benefits
Reliable Ongoing Service

Participant Benefits
Improved Participant Outcomes
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Get personalized sales support to build their retirement plan business

  • An experienced sales team, comprising specialists who’ve taken the time to understand their business needs, can help them win and retain more plans.
  • Highly effective webinars, videos and literature can help advisors enroll employees and educate plan participants.
  • A comprehensive advisor website makes it easier to offer more value-added services to clients.
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Rely on ongoing service to help retain satisfied clients

  • A robust plan sponsor website provides access to participant fee disclosure and the ability to approve loans and distributions.
  • A knowledgeable in-house support service team addresses and resolves issues quickly.
  • Extensive plan data and analysis is available through a customized Plan Review report, which is updated quarterly and available online.
  • Plan investment-related fiduciary services are available through an independent third party, Wilshire Associates Incorporated (Wilshire®)5 to help plan sponsors meet their investment-related fiduciary obligations.
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Help improve participant outcomes with enrollment and education support

  • An engaging suite of materials encourages employees to enroll and stay invested in the plan.
  • A comprehensive educational program, Investing for Life, helps guide participants through every stage of retirement planning and investing.
Advisor Benefits
Personalized Sales Support

Get personalized sales support to build their retirement plan business

  • An experienced sales team, comprising specialists who’ve taken the time to understand their business needs, can help them win and retain more plans.
  • Highly effective webinars, videos and literature can help advisors enroll employees and educate plan participants.
  • A comprehensive advisor website makes it easier to offer more value-added services to clients.
Plan Sponsor Benefits
Reliable Ongoing Service

Rely on ongoing service to help retain satisfied clients

  • A robust plan sponsor website provides access to participant fee disclosure and the ability to approve loans and distributions.
  • A knowledgeable in-house support service team addresses and resolves issues quickly.
  • Extensive plan data and analysis is available through a customized Plan Review report, which is updated quarterly and available online.
  • Plan investment-related fiduciary services are available through an independent third party, Wilshire Associates Incorporated (Wilshire®)5 to help plan sponsors meet their investment-related fiduciary obligations.
Participant Benefits
Improved Participant Outcomes

Help improve participant outcomes with enrollment and education support

  • An engaging suite of materials encourages employees to enroll and stay invested in the plan.
  • A comprehensive educational program, Investing for Life, helps guide participants through every stage of retirement planning and investing.

What’s Next

Get a Preliminary Fee Quote

Use Price-It Tool℠ to get an estimate of plan costs.

 

1 Pensions & Investments, “Largest DC Managers By Total Assets: 2016,” August 2016
2 Market Strategies International, Cogent Wealth Reports, Retirement Plan Advisor Trends™, September 2016. Methodology: There were 508 respondents to a web survey conducted from August 16 to August 24, 2016. The respondents consisted of financial advisors managing defined contribution plans.
3 The 2017 Lipper Fund Awards were awarded on March 23, 2017, and based on risk-adjusted returns as of November 30, 2016.
4 Source: “The Fantastic 43,” Morningstar FundSpy, September 2017. Morningstar's annual review of nearly 8,000 mutual funds identifies a select group of funds based on key investment criteria, which include cheapest quintile of category, manager investment of more than $1 million in this fund, Morningstar Risk rating below the High level, Morningstar Analyst Rating of Bronze or higher, parent rating of Positive and returns above the fund's benchmark over the manager's tenure.
5 Wilshire’s recommendations are subject to any generally applicable limitation on the investment options available, including limitations imposed by the plan’s recordkeeper or financial professional. Plans that elect target-date mapping at plan conversion may only choose coverage under the 3(21) Select List. Wilshire® is a registered service mark of Wilshire Associates Incorporated, Santa Monica, California. All other trade names, trademarks and/ or service marks are the property of their respective holders. Wilshire is not an affiliate of any member company of American Funds. Wilshire is solely responsible for the program material and its investment recommendations. The complete terms and limitations of Wilshire’s 3(21) Investment Adviser and 3(38) Investment Manager programs may be found in the applicable agreement between the plan sponsor and Wilshire.


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. 

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. 

Content contained herein is not intended to serve as impartial investment or fiduciary advice. The content has been developed by Capital Group, which receives fees for managing, distributing and/or servicing its investments.

Information provided on this website is intended for use by financial advisors with persons who are eligible to purchase U.S.-registered mutual funds.