American Funds From Capital Group

American Fund Models Qualified

• Global Growth
• Growth
• Moderate Growth
• Growth & Income 
• Moderate Growth & Income
• Conservative Growth & Income
• Conservative Income
• Preservation
• Retirement Income - Enhanced
• Retirement Income - Moderate
• Retirement Income - Conservative

American Fund Models Non Qualified

• Tax-Aware Growth & Income
• Tax-Aware Moderate Growth & Income
• Tax-Aware Conservative Growth & Income
• Tax-Aware Moderate Income 
• Tax-Aware Conservative Income
• Tax-Except Preservation

These eight funds of funds are designed to help investors pursue real-life goals, both long- and short-term, within a framework of three common objectives: preservation, balance and growth.

• OBJECTIVE-BASED
  Pursue a wide range of goals based on timeframe, risk tolerance and other factors.
• TRUSTED
  Invest in a blend of funds with proven track records carefully selected by senior investment professionals.
• MONITORED
  Benefit from regular reviews by an oversight committee to ensure results and holdings are aligned with fund objectives.

Features & Benefits

The American Funds Portfolio Series is designed to help investors pursue long‐term investment success. Consider what these funds offer:

• CONVENIENCE
  Purchase a diversified portfolio of American Funds in a single transaction
• FLEXIBILITY
  Easily incorporate the funds into your investment portfolio based on common objectives.
• CUSTOMIZATION
  Separate assets that you want to protect from those you’re willing to subject to more volatility to pursue long-term goals.

Portfolio Oversight

To help ensure that the funds always stay aligned with their objectives, a group of senior investment professionals with varied backgrounds and investment approaches, and decades of industry experience regularly review the funds’ results and holdings.

They don’t expect to make major changes frequently, however, the Portfolio Oversight Committee may add or remove underlying funds, or change the current underlying fund weighting to help the funds of funds meet their objectives.

The American Funds Retirement Income Portfolio Series consists of three managed portfolios — Conservative, Moderate and Enhanced — that can help retirees address their income and longevity needs.

Made up of American Funds, these portfolios:

• Were created by the American Funds Portfolio Oversight Committee — a seven-member team of senior investment managers — based on extensive research and their in-depth knowledge of the underlying funds
• Seek to support varying withdrawal rate ranges and risk tolerances while maintaining as much of a retiree’s initial investment as possible.
• Were designed to be a part of a broadly diversified retirement income portfolio.

Overview

A recent survey found that the chief concern among retirees is having the ability to maintain their lifestyles in retirement. In addition, investors in retirement want to be assured of asset growth as they take withdrawals from their investments.

The American Funds Retirement Income Portfolio Series strives to:

• Be a withdrawal source for a retiree’s lifestyle — or, discretionary — spending needs as a complement to other investments and sources of income in their portfolios.
• Preserve as much of the initial investment as possible, even as retirees take regular withdrawals.

Translating need and risk into withdrawal rate ranges. The American Funds Portfolio Oversight Committee used extensive research and modeling to determine the suggested annual withdrawal rate ranges for each of the three portfolios. Each retirement income portfolio is designed to address varying income needs and risk tolerances, and each has a suggested annual withdrawal rate range.

We built the American Funds Retirement Income Portfolio Series to help address the needs of investors nearing or in retirement.

These funds of funds are:

• FOCUSED ON WITHDRAWALS AND LONGEVITY.
  They seek to support different withdrawal rate ranges while maintaining as much of a retiree’s initial investment as possible.
• FLEXIBLE.
  They’re made up of different mixes of equities and bonds, allowing for variation in withdrawal rates and risk tolerances.
• ACTIVELY MONITORED
  They benefit from the ongoing research and attention of the American Funds Portfolio Oversight Committee.

Portfolio Oversight

The American Funds Portfolio Oversight Committee — investment professionals who have a long history of successfully managing funds to pursue investor objectives — developed and monitor the American Funds Retirement Income Portfolio Series.

Retirement income portfolios are complex. At times the need to take withdrawals can conflict with the desire for capital preservation. The historical roles of stocks and bonds have shifted in recent years, making the interplay between markets more difficult to navigate.

That’s why the committee:

• Performed exhaustive proprietary research, analyzing both historical data and likely future scenarios.
• Deployed data that reflects both even and extreme market conditions.
• Relied on their deep experience in managing the underlying American Funds.

These seven seasoned American Funds portfolio managers offer:

• EXPERIENCE
  The committee averages 27 years of industry experience.
• FAMILIARITY
  They know the underlying funds well; all manage at least one of the underlying funds in the portfolios.
• OVERSIGHT
  They continually monitor the portfolios — more intensely in times of volatility.