Approaching retirement | American Funds

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Life stages


Retirement Planning

Approaching retirement

Getting ready to leave the workforce? Learn what you should consider as you transition to retirement.

 

What you need to know


  • Preparing to retire

    Retirement may last almost as long as your working career. As your retirement nears, you’ll face important decisions about how to make your money last.

  • What will your retirement look like?

    Put your savings into perspective with this simple tool. Learn how much you would be able to withdraw each year and how long your savings might last.

  • Working in retirement

    Working after you retire has benefits and consequences. Find out what they are for you — and your retirement account.

  • Taking distributions

    Learn how to stretch your retirement plan savings.

  • Understanding risk

    Finding the right balance of investment risk and reward is essential to helping you meet long-term goals. Learn how to get comfortable with these elements of investing.

  • Playing catch-up

    Even if you’re getting a late start on saving for retirement, there may still be time to build up your nest egg.

  • Rollovers

    Leaving a job is a big change in your life. There are plenty of decisions to make, including what to do with your retirement plan assets. Carefully compare all your options to make the best choice for you.

approaching-retirement-stage

American Funds Investors

Howard and Jennifer Duzan: Surviving the ups and downs

Hear how the Duzans made the transition into retirement despite market volatility by creating a retirement income plan with their adviser.    

Plan Your Strategy

Asset allocation models

Build your retirement savings strategy using our sample portfolios as a guide.

Find Your Target Date Fund

See how a target date fund can serve as a complete portfolio that fits your timeline.

Another plan option: Roth 401(k)/403(b)

Does your retirement plan accept Roth contributions? Learn more about the Roth option.


Get a snapshot of how much you might need in retirement and whether your savings plan could get you to your goal. Then use the roadmap to help you decide how to invest your contributions. (Or use the Retirement planning calculator for more detailed results.)


 

             

Spend it or save it calculator

See the long-term difference between taking a cash distribution or rolling it over into a new plan or IRA.

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 or downloaded and should be read carefully before investing.