American Funds 2015 Target Date Retirement Income Fund
Target-date 2015 fund
As of its 2026 Q2 report, American Funds 2015 Target Date Retirement Income Fund held 18 positions with $4.56B in net assets. Its ten largest holdings made up 76.6% of the fund. The RCJTX share class costs 0.94% a year. Over the 12 months to May 2026, RCJTX returned 12.4%, with dividends reinvested. In 2026 Q3 it added no new positions and exited none.
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.
What you own
| Company | Weight | Value | Shares | Reported price |
|---|---|---|---|---|
RIDGXINCOME FUND OF AMERICA (THE) (IFA) | 14.55% | $663.46M | 24.1M | $27.53 |
INTERMEDIATE BOND FUND OF AMERICA | 9.70% | $442.16M | 35.1M | $12.60 |
BOND FUND OF AMERICA (THE) (BFA) | 9.58% | $436.61M | 38.7M | $11.29 |
RLBGXAMERICAN BALANCED FUND (AMBAL) | 7.03% | $320.69M | 8.1M | $39.60 |
RILFXAMERICAN FUNDS INFLATION LINKED BOND (ILBF) | 7.00% | $319.10M | 33.4M | $9.56 |
RIRGXCAPITAL INCOME BUILDER (CIB) | 6.50% | $296.13M | 3.6M | $81.18 |
RMAGXAMERICAN FUNDS MORTGAGE (AFMF) | 6.26% | $285.21M | 32.3M | $8.82 |
RMMGXSHORT TERM BOND FUND OF AMERICA | 5.86% | $267.21M | 28.0M | $9.55 |
RMFGXAMERICAN MUTUAL FUND (AMF) | 5.76% | $262.54M | 4.2M | $61.84 |
RWIGXCAPITAL WORLD GROWTH & INCOME FUND | 4.41% | $201.18M | 2.6M | $77.70 |
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.
All 18 holdings, with the share counts as filed, open with a free account.
What the fund is made of
Percentages are of fund net assets. Rounding, liabilities and short positions can make totals differ from 100%.
| Stocks | 99.88% |
How it has done
RCJTX share class · total returns with dividends reinvested
Volatility over the last 12 months: 5.90%. Past returns are a record, not a forecast.
Jun 2026 and Jul 2026 have been filed since the trailing figures were struck, so they are not in the table above or the curve — every figure here shares one cut-off, which is what makes them comparable with other funds.
The 14 share classes hold the same portfolio
| Share class | Expense ratio | 1 year | 3 years | 5 years | Worst fall |
|---|---|---|---|---|---|
| 0.94% | +12.39% | +35.13% | +27.38% | -5.35% | |
| 0.65% | +12.80% | +36.37% | +29.32% | -5.30% | |
| 0.35% | +13.12% | +37.51% | +31.23% | -5.34% | |
| 0.61% | +12.85% | +36.40% | +29.47% | -5.38% | |
| 1.39% | +11.95% | +33.41% | +24.64% | -5.49% | |
| 1.39% | +11.92% | +33.35% | +24.64% | -5.48% | |
| 0.30% | +13.17% | +37.86% | +31.67% | -5.28% | |
| 1.37% | +12.01% | +33.40% | +24.78% | -5.56% | |
| 0.66% | +12.81% | +36.32% | +29.30% | -5.42% | |
| 0.38% | +13.06% | +37.38% | +31.06% | -5.22% | |
| 1.09% | +12.26% | +34.55% | +26.46% | -5.48% | |
| 0.44% | +12.94% | +37.11% | +30.56% | -5.32% | |
| 0.30% | +13.20% | +37.85% | +31.65% | -5.29% | |
| 0.62% | +13.05% | +37.37% | +31.06% | -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.
Fees & fund details
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
- Expense ratio, by class
- 0.30% – 1.39%· RCJTX 0.94%
- Portfolio turnover
- 7.00% a year · as of 2025 Q4
Turnover is how much of the portfolio was replaced in a year.
Classified from what the fund holds, not from its name · 2026 Q2. The summary is a paraphrase of the prospectus; the objective is verbatim.
What changed this quarter
Positions that entered or left the fund since its previous filing. Positions that were only resized are not listed.
0 new
0 exited
Understand how this fund fits with the rest.
Explore shared holdings, compare funds and follow their businesses with your connected AI:
- “Where do my funds overlap — RCJTX, QQQ and the fund in my 401(k)?”
- “How do this fund’s ten biggest holdings stack up against each other?”
- “For my target-date fund, what’s the real stock-and-bond mix once you look through it?”