American Funds 2015 Target Date Retirement Income Fund
American Funds Target Date Retirement Series · 14 share classes
Fund classification
Classified from what the fund holds · as of 2026 Q2
American Funds 2015 Target Date Retirement Income Fund is a target-date 2015 fund.
- Asset class
- Target-date
- Region
- United States
- Management
- Actively managed
- Fund type
- Open-end fund
- Target year
- 2015
- Features
- Fund of funds
Fund profile
As filed in the prospectus · 2025 Q4
Depending on the proximity to its target date, which we define as the year that corresponds roughly to the year in which the investor expects to retire, the fund will seek to achieve the following objectives to varying degrees: growth, income and conservation of capital. The fund will increasingly emphasize income and conservation of capital by investing a greater portion of its assets in fixed income, equity-income and balanced funds as it continues past its target date. In this way, the fund seeks to balance total return and stability over time.
The fund invests in a mix of American Funds across growth, equity-income, balanced, and fixed income categories, adjusting the allocation over time as the target retirement date approaches and beyond. The asset mix becomes progressively more conservative, shifting toward fixed income and equity-income funds as the fund nears and passes its target date, while maintaining some equity exposure throughout retirement for growth potential. Because the fund's returns depend on the performance and allocation decisions of the underlying funds it holds, results will reflect both those funds' performance and the adviser's rebalancing choices.
| Share class | Expense ratio |
|---|---|
| RCJTX | 0.94% |
| RDBTX | 0.65% |
| REJTX | 0.35% |
| AABTX | 0.61% |
| RAJTX | 1.39% |
| RBJTX | 1.39% |
| RFJTX | 0.30% |
| CCBTX | 1.37% |
| FAKTX | 0.66% |
| FBBTX | 0.38% |
| RBEJX | 1.09% |
| RHBTX | 0.44% |
| FDBTX | 0.30% |
| TDQMX | 0.62% |
Portfolio turnover 7.00% · as of 2025 Q4
Allocation
Asset groups · long / short shown separately, never netted · 2026 Q2
| Stocks | 99.88% |
Latest quarter
What changed since the fund's previous filing
Return profile
Total return as filed — price change plus distributions reinvested · trailing figures to Apr 2026
| Share class | 1-year | 3-year | 5-year | Vol | Worst fall |
|---|---|---|---|---|---|
| +13.00% | +31.11% | +27.40% | 5.95% | -5.35% | |
| +13.41% | +32.46% | +29.35% | 5.88% | -5.30% | |
| +13.73% | +33.50% | +31.26% | 5.96% | -5.34% | |
| +13.46% | +32.49% | +29.50% | 5.97% | -5.38% | |
| +12.66% | +29.50% | +24.66% | 5.99% | -5.49% | |
| +12.62% | +29.44% | +24.57% | 5.89% | -5.48% | |
| +13.78% | +33.81% | +31.60% | 5.90% | -5.28% | |
| +12.62% | +29.49% | +24.71% | 5.90% | -5.56% | |
| +13.33% | +32.28% | +29.22% | 5.89% | -5.42% | |
| +13.77% | +33.43% | +31.08% | 5.93% | -5.22% | |
| +12.87% | +30.50% | +26.38% | 5.91% | -5.48% | |
| +13.65% | +33.15% | +30.58% | 5.91% | -5.32% | |
| +13.82% | +33.79% | +31.57% | 5.91% | -5.29% | |
| +13.75% | +33.43% | +31.08% | 5.93% | -5.21% |
These classes hold the same portfolio, so the 7.03pp spread over 5 years is the cost difference between them — roughly 1.41pp a year — not a difference in what they own.
Holdings
By % of NAV · equity positions carry filed share counts · every resolvable issuer links to its company page
| Ticker | Issuer | %NAV | Reported price | Value | Shares |
|---|---|---|---|---|---|
| RIDGX | INCOME FUND OF AMERICA (THE) (IFA)RIDGX | 14.55% | $27.53 | $663.46M | 24.1M |
| — | INTERMEDIATE BOND FUND OF AMERICA | 9.70% | $12.60 | $442.16M | 35.1M |
| — | BOND FUND OF AMERICA (THE) (BFA) | 9.58% | $11.29 | $436.61M | 38.7M |
| RLBGX | AMERICAN BALANCED FUND (AMBAL)RLBGX | 7.03% | $39.60 | $320.69M | 8.1M |
| RILFX | AMERICAN FUNDS INFLATION LINKED BOND (ILBF)RILFX | 7.00% | $9.56 | $319.10M | 33.4M |
| RIRGX | CAPITAL INCOME BUILDER (CIB)RIRGX | 6.50% | $81.18 | $296.13M | 3.6M |
| RMAGX | AMERICAN FUNDS MORTGAGE (AFMF)RMAGX | 6.26% | $8.82 | $285.21M | 32.3M |
| RMMGX | SHORT TERM BOND FUND OF AMERICARMMGX | 5.86% | $9.55 | $267.21M | 28.0M |
| RMFGX | AMERICAN MUTUAL FUND (AMF)RMFGX | 5.76% | $61.84 | $262.54M | 4.2M |
| RWIGX | CAPITAL WORLD GROWTH & INCOME FUNDRWIGX | 4.41% | $77.70 | $201.18M | 2.6M |
Reported price is the fund's own reported value divided by its own reported shares at 2026-04-30 — not a live quote, and not what the fund paid.
Top 10 positions are 76.64% of net assets, top 25 99.88%, across 18 issuers.
See more of this fund's book
More positions with filed share counts, and the quarter-over-quarter change list rather than the largest few — free with an account, no card required.
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