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Retirement Planning

  • Overview
  • About retirement plans
  • Develop an investment strategy »
    • What is asset allocation?
    • Choose your asset allocation
  • Changing needs
  • Life stages
  • American Funds Investors
  • Other references
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Figuring out a retirement strategy can be daunting. These articles and tools can help you get started.

What is asset allocation?

Asset allocation means putting portions of your money into different types of investments — like stocks and bonds. If some of your investments lose value, a diversified allocation may help reduce the impact.

The following articles can help you choose your asset allocation.

  • Pros and cons of stocks and bonds
  • Managing risk
  • Diversify your assets
  • Invest for your time horizon
  • Choose the right mutual funds
  • Frequently asked questions about rebalancing
Choose your asset allocation

Use our asset allocation models to find an investment mix based on your retirement time frame.

  • Asset allocation models

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 or downloaded and should be read carefully before investing.

American Funds Retirement Roadmap®

Use the American Funds Retirement Roadmap to help you figure out:
  • how much you can set aside each month
  • how to invest that money
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