American Funds 2055 Target Date Retirement Fund
Target-date 2055 fund
As of its 2026 Q2 report, American Funds 2055 Target Date Retirement Fund held 20 positions with $30.87B in net assets. Its ten largest holdings made up 76.7% of the fund. The AAMTX share class costs 0.7% a year. Over the 12 months to May 2026, AAMTX returned 26.7%, 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 approaches and passes its target date. In this way, the fund seeks to balance total return and stability over time.
The fund invests in a portfolio of other American Funds whose mix shifts over time toward the fund's target retirement date, becoming progressively more conservative by increasing allocations to fixed income and equity-income funds while reducing growth exposure. The underlying fund allocations may deviate up to 10% above or below the stated targets, and the adviser may rebalance or change the underlying funds based on its periodic review of their strategies. Because the fund's returns depend on the performance and allocation decisions of the underlying funds it holds, results will reflect both the selection and weighting of those funds. The fund continues to hold equity exposure for approximately 30 years after its target date to provide growth potential alongside income and capital preservation.
What you own
| Company | Weight | Value | Shares | Reported price |
|---|---|---|---|---|
RNPGXNEW PERSPECTIVE FUND (NPF) | 8.96% | $2.77B | 38.2M | $72.36 |
RLLGXSMALLCAP WORLD FUND INC | 8.71% | $2.69B | 32.0M | $84.04 |
RFNGXFUNDAMENTAL INVESTORS | 8.71% | $2.69B | 27.0M | $99.44 |
RWIGXCAPITAL WORLD GROWTH & INCOME FUND | 8.06% | $2.49B | 32.0M | $77.70 |
RWMGXWASHINGTON MUTUAL INVESTORS FUND (WMIF) | 8.03% | $2.48B | 36.7M | $67.51 |
NEW WORLD FUND INC | 7.70% | $2.38B | 23.4M | $101.69 |
GROWTH FUND OF AMERICA (THE) | 7.33% | $2.26B | 27.4M | $82.59 |
AMCAP FUND | 6.93% | $2.14B | 44.0M | $48.65 |
RMFGXAMERICAN MUTUAL FUND (AMF) | 6.51% | $2.01B | 32.5M | $61.84 |
RICGXINVESTMENT COMPANY OF AMERICA | 5.71% | $1.76B | 26.7M | $65.83 |
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 20 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 | 99.99% |
How it has done
AAMTX share class · total returns with dividends reinvested
Volatility over the last 12 months: 13.12%. 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 |
|---|---|---|---|---|---|
| 0.70% | +26.72% | +73.16% | +58.74% | -8.83% | |
| 1.47% | +25.70% | +69.18% | +52.75% | -9.01% | |
| 1.47% | +25.71% | +69.21% | +52.75% | -8.98% | |
| 1.02% | +26.27% | +71.49% | +56.15% | -8.87% | |
| 0.73% | +26.68% | +73.06% | +58.61% | -8.80% | |
| 0.43% | +27.02% | +74.54% | +60.89% | -8.73% | |
| 0.38% | +27.10% | +74.84% | +61.35% | -8.76% | |
| 1.46% | +25.76% | +69.37% | +52.96% | -8.94% | |
| 0.74% | +26.61% | +72.95% | +58.43% | -8.81% | |
| 0.46% | +26.97% | +74.39% | +60.60% | -8.77% | |
| 1.17% | +26.08% | +70.70% | +55.02% | -8.88% | |
| 0.52% | +26.94% | +74.07% | +60.20% | -8.77% | |
| 0.38% | +27.11% | +74.88% | +61.35% | -8.71% | |
| 0.71% | +26.99% | +74.35% | +60.65% | -8.72% |
These classes hold the same portfolio, so the 8.60pp spread over 5 years is the cost difference between them — roughly 1.72pp a year — not a difference in what they own.
Fees & fund details
American Funds 2055 Target Date Retirement Fund is a target-date 2055 fund.
- Asset class
- Target-date
- Region
- United States
- Management
- Actively managed
- Fund type
- Open-end fund
- Target year
- 2055
- Features
- Fund of funds
- Expense ratio, by class
- 0.38% – 1.47%· AAMTX 0.70%
- Portfolio turnover
- 9.00% 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
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