Living in retirement | American Funds

Life stages

Retirement Planning

Living in retirement

Worried about whether your savings will last you through retirement? We’ve gathered the most useful resources from this website to help you update your strategy.


What you need to know

  • 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.

  • Market perspective

    During periods of market volatility, your emotions and confidence can fall and rise with the latest market news. Look for perspective with these resources.

  • 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.

  • The value of a financial professional

    Learn how investors of all ages can benefit from the experience and guidance a financial professional can offer.


American Funds Investors

Esther and Jerry White: Collecting memories

Between hunting for collector’s items and traveling, the Whites are too busy enjoying retirement to monitor the market daily. They leave that to their financial adviser.     


Plan Your Strategy


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.