American Funds College 2027 Fund
Target-date fund
As of its 2026 Q2 report, American Funds College 2027 Fund held 13 positions with $4.00B in net assets. Its ten largest holdings made up 98.4% of the fund. The CTSFX share class costs 0.71% a year. Over the 12 months to May 2026, CTSFX returned 7.3%, with dividends reinvested. In 2026 Q3 it added no new positions and exited none.
Depending on the proximity to its target date, the fund will seek to achieve the following objectives to varying degrees: growth, income and preservation of capital. The target date is meant to roughly correspond to the year in which the fund beneficiary will start to withdraw funds to meet higher education expenses. The fund will increasingly emphasize income and preservation 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 achieve an appropriate balance of total return and stability during different time periods.
The fund invests in a mix of American Funds across growth, equity-income, balanced, and fixed income categories, adjusting the allocation over time as it approaches its target date for college expenses. The asset mix gradually shifts toward fixed income and income-producing funds as the target date nears, emphasizing capital preservation and current income while reducing equity exposure. Because the fund's returns depend on the performance and allocation decisions of the underlying funds it holds, changes to those underlying funds or their weightings will affect results.
What you own
| Company | Weight | Value | Shares | Reported price |
|---|---|---|---|---|
RMMGXSHORT TERM BOND FUND OF AMERICA | 31.00% | $1.24B | 129.8M | $9.55 |
INTERMEDIATE BOND FUND OF AMERICA | 29.73% | $1.19B | 94.3M | $12.60 |
RMAGXAMERICAN FUNDS MORTGAGE (AFMF) | 11.03% | $441.04M | 50.0M | $8.82 |
RMFGXAMERICAN MUTUAL FUND (AMF) | 9.34% | $373.40M | 6.0M | $61.84 |
RANGXAMERICAN FUNDS STRATEGIC BOND FUND (SBF) | 6.05% | $241.70M | 26.4M | $9.17 |
RLBGXAMERICAN BALANCED FUND (AMBAL) | 5.55% | $221.94M | 5.6M | $39.60 |
BOND FUND OF AMERICA (THE) (BFA) | 2.41% | $96.45M | 8.5M | $11.29 |
RIDGXINCOME FUND OF AMERICA (THE) (IFA) | 1.11% | $44.44M | 1.6M | $27.53 |
RMDUXAMERICAN FUNDS MULTI-SECTOR INCOME FUND (MSI) | 1.10% | $44.05M | 4.7M | $9.38 |
RITGXAMERICAN HIGH-INCOME TRUST | 1.10% | $44.06M | 4.5M | $9.87 |
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 13 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 | 99.76% |
How it has done
CTSFX share class · total returns with dividends reinvested
Volatility over the last 12 months: 3.38%. Past returns are a record, not a forecast.
The 7 share classes hold the same portfolio
| Share class | Expense ratio | 1 year | 3 years | 5 years | Worst fall |
|---|---|---|---|---|---|
| 0.71% | +7.33% | +23.15% | +16.25% | -4.36% | |
| 0.67% | +7.16% | +22.45% | +15.12% | -4.39% | |
| 1.43% | +6.30% | +19.68% | +10.86% | -4.61% | |
| 0.90% | +6.90% | +21.69% | +13.83% | -4.43% | |
| 0.68% | +7.39% | +23.40% | +16.61% | -4.28% | |
| 0.40% | +7.45% | +23.48% | +16.77% | -4.39% | |
| 0.34% | +7.51% | +23.68% | +17.10% | -4.30% |
These classes hold the same portfolio, so the 6.23pp spread over 5 years is the cost difference between them — roughly 1.25pp a year — not a difference in what they own.
Fees & fund details
American Funds College 2027 Fund is a target-date fund.
- Asset class
- Target-date
- Region
- United States
- Management
- Actively managed
- Fund type
- Open-end fund
- Features
- Fund of funds
- Expense ratio, by class
- 0.34% – 1.43%· CTSFX 0.71%
- Portfolio turnover
- 21.00% 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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