Starting out | American Funds

Life stages

Retirement Planning

Starting out

Just starting to invest? Don’t know where to begin? We’ve gathered the most useful resources from this website to help you get started.


What you need to know


American Funds Investors

Joyce Kimura: Teacher turned world traveler

Learn how former teacher Joyce Kimura got started by putting away $25 a month to reach her goal of traveling in retirement.


Plan Your Strategy

Build your retirement savings strategy using our sample portfolios as a guide.
See how a target date fund can serve as a complete portfolio that fits your timeline.
Does your retirement plan accept Roth contributions? Learn more about the Roth option.
Besides your retirement plan, there are other tax-deferred investment options to consider, from IRAs to variable annuities to special college savings programs.



Payroll deduction analyzer

When deciding how much to contribute to a retirement plan, this calculator shows how pretax payroll deductions affect your take-home pay


Tax-deferred investment calculator

Compare the growth rate of a tax-deferred investment with a taxable one.

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.