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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

Invest for your time horizon

The number of years you have before retirement could be the most important factor when planning how to invest your retirement money.

Plan for the unexpected

No one can predict the future, but you can be well-prepared.

For example, if you’re forced to retire early, you’ll lose time you were counting on to build up your retirement savings.

It’s smart to save a little more and spend a little less when you’re planning for contingencies. The extra cushion will come in handy if you do suffer any setbacks.

Time until retirement

In general, the more time you have to invest, the more risk you can afford to take. If you have many years until retirement, you may want to choose investments that have the potential to provide high growth, such as stocks. If the value of your investments falls, you may still have time to recover. If you’re close to retirement, you may want to have more conservative investments, such as bonds. That way, there’s a greater probability that your money will be there when you retire.

Don’t forget post-retirement time

When working on your financial planning, don’t overlook the time you’ll spend in retirement.

On average, a 65-year-old can expect to live for about 20 more years. And many people will enjoy even longer lives.

Be careful not to invest too conservatively, because you may need money for a long time after you stop working. Most people need some investment growth even after retirement.

Choose the right mutual funds

All mutual funds are not the same. Find out how they differ.

Asset allocation models

Use our sample portfolios as a guide to build your investment strategy.

Find your target date fund

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

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.