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Who are you ?

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, 1 OR 2

Visit americanfunds.com/retire

IF YOUR PLAN ID BEGINS WITH 34 OR 135

Visit myretirement.americanfunds.com

E Delivery Safe Harbor

Plan sponsors are required to send participants certain material, including reports, statements, notices and other documents (e.g., SPDs, participant fee disclosure, etc.). Under some circumstances, these documents may be sent to participants electronically — for example, by emailing a PDF or a link to the information.

When sending notices electronically, you may follow the safe harbor rules (described below) from the Department of Labor (DOL) to meet ERISA disclosure requirements.

General requirements

Plan information may be delivered electronically under the DOL’s safe harbor rules only if all of the following general requirements are met:

  • The electronically delivered notice is consistent with the requirements of style, format and content as the paper notice.
  • At the time the notice is delivered electronically, notice is provided to the employee explaining the importance of the document and the right to receive a paper copy of the notice.
  • The electronic system must be reasonably calculated to ensure the actual receipt of the notice occurs. This could be accomplished by use of return-receipt notice or undeliverable email features.
  • The electronic system protects the confidentiality of personal information.
  • Upon request, the employee must be furnished a paper version of the notice.

Delivery methods

The DOL rules address two methods of delivery:

No consent

Consent of the employee for electronic delivery is not required if:

  • An employee has the ability to effectively access the electronic notice at any location where the employee performs duties as an employee, and
  • Using the employer’s electronic information system (e.g., work email) as an integral part of the employee’s duties.

Affirmative consent

Employees must affirmatively consent to receive the electronic notice, unless the requirements of the ‘no consent’ method described above are met. This group of participants may include workers who don’t regularly use a computer at work, retirees, beneficiaries and former employees. You must provide these participants with paper copies of the information unless they consent to electronic delivery.

The employee must consent in a manner that reasonably demonstrates the employee’s ability to access the information in the electronic form. Prior to consenting, you must provide the employee with a statement that contains the following information:

  • which documents the consent covers
  • their right to withdraw consent at any time without charge and how to do so
  • how to update their contact information
  • their right to request a paper copy and the cost, if any
  • what software or hardware is required to read the electronic information (Adobe Reader, for example)

Whether you seek consent via email or letter, you need to have a system in place to collect the participants’ responses.

Find out more

Ask your third party administrator for more details about delivering plan information to participants.

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.

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.

American Funds Distributors, Inc., member FINRA.

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.