Multi-Asset / Allocation
American Funds 2055 Target Date Retirement Fund®
Overview
Key information
Objective
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.
Key facts
Fund inception
2/1/10
Fund assets (millions)
$29,047.0
As of 11/30/25 (updated monthly)
Companies/issuers
3,075
Holdings of 11/30/25 (updated monthly)
Regular dividends paid
Dec.
Capital gains paid
Dec.
Portfolio turnover (%) tooltip: FC_PT definition not found.
9
Fiscal year-end
October
Prospectus date
1/1/25
CUSIP
02630T 21 7
Fund number
2682
Target Date Solutions committee
Target Date Solutions committee years of experience are as of the previous calendar year end.
Michelle Black
30 years of investment industry experience
23 years with Capital Group
5 years managing fund
David Hoag
37 years of investment industry experience
33 years with Capital Group
5 years managing fund
Samir Mathur
32 years of investment industry experience
12 years with Capital Group
5 years managing fund
Raj Paramaguru
20 years of investment industry experience
12 years with Capital Group
1 year managing fund
Returns
Investment results
Total returns for periods ended 11/30/25 (%)
- ●RFKTX
- ●Index
| Fund | Daily YTD | 1M | 3M | YTD | 1Y | 3Y | 5Y | 7Y | 10Y | 15Y | Lifetime |
|---|
Index data refers to the S & P Target Date 2055 Index tooltip: 2450 definition not found..
Daily YTD as of 12/22/25.
Fund inception: 2/1/10. Index lifetime is based on inception date of the fund.
Returns greater than one year are annualized.
Success metrics
As of 9/30/25 (updated quarterly)
0
Success Rate (%) tooltip: LSR_success_rate definition not found.
100
| Average rolling monthly return (%) tooltip: LSR_avg_vehicle_return definition not found. | 11.36 |
|---|---|
| Average rolling monthly index return (%) tooltip: LSR_avg_indx_return definition not found. | 10.57 |
| Average outpaced rolling monthly return (%) tooltip: LSR_avg_outp_return definition not found. | — |
| Average lagging rolling monthly return (%) tooltip: LSR_avg_lag_return definition not found. | — |
| Average excess rolling monthly return (%) tooltip: LSR_avg_excess_return definition not found. | 0.79 |
Index data refers to the S & P Target Date 2055 Index tooltip: 2450 definition not found..
Volatility & returns
As of 11/30/25 (updated monthly)
- ●RFKTX
- ▲Other CG funds
- ■S & P Target Date 2055 Index tooltip: 2450 definition not found.
Risk measures
As of 11/30/25 (updated monthly)
| Standard deviation tooltip: SDF definition not found. | |
| RFKTX | 11.34 |
| S & P Target Date 2055 Index tooltip: 2450 definition not found. | 11.00 |
| Sharpe ratio tooltip: SRAT definition not found. | |
| RFKTX | 1.06 |
| S & P Target Date 2055 Index tooltip: 2450 definition not found. | 0.98 |
| R-squared tooltip: RSQ_AFR definition not found. | 89 |
| Alpha tooltip: Alpha definition not found. | 4.54 |
| Beta tooltip: BETA_AF definition not found. | 1.18 |
| Information ratio tooltip: informationRatio definition not found. | 1.53 |
| Downside capture ratio tooltip: DCAPRAT definition not found. | 87 |
| Upside capture ratio tooltip: UCAPRAT definition not found. | 86 |
| Tracking error tooltip: TRKERR definition not found. | 4.04 |
| S&P 500 correlation tooltip: indexCorrelation definition not found. | 0.97 |
| MSCI ACWI correlation tooltip: indexCorrelation definition not found. | 0.99 |
Data calculated against the S & P Target Date 2055 Index tooltip: 2450 definition not found.unless noted otherwise.
Prices & distributions
As of 12/22/25
- Price at nav ($)
- Price change ($)
- Price change (%)
| YTD dividends subtotal ($) | 0.00 |
| YTD cap gains subtotal ($) | 0.00 |
| YTD total distributions ($) | 0.00 |
Yield
As of 11/30/25 (updated monthly)
| 12-month distribution rates (at NAV, %) tooltip: DBR definition not found. | 1.01 |
| 30-day SEC yield (gross/net %) tooltip: SECYield definition not found. | 1.19 / 1.19 |
Ratings are based on risk-adjusted returns.
Portfolio Composition
Current allocations
| Actual Allocations % | ||
|---|---|---|
| Equity | 85.07 | |
| Multi-Asset | 9.03 | |
| Fixed Income | 5.90 |
| Actual Allocations | |
|---|---|
| Equity | 85.07 |
| New Perspective Fund® | 8.95 |
| SMALLCAP World Fund® | 8.89 |
| Fundamental Investors® | 8.86 |
| Washington Mutual Investors Fund | 8.03 |
| Capital World Growth and Income Fund® | 7.84 |
| New World Fund® | 7.54 |
| AMCAP Fund® | 7.02 |
| The Growth Fund of America® | 6.97 |
| American Mutual Fund® | 6.17 |
| The Investment Company of America® | 5.86 |
| The New Economy Fund® | 4.78 |
| American Funds® Global Insight Fund | 2.17 |
| EUPAC Fund™ | 1.99 |
| Multi-Asset | 9.03 |
| American Balanced Fund® | 6.23 |
| American Funds® Global Balanced Fund | 2.01 |
| Capital Income Builder® | 0.39 |
| The Income Fund of America® | 0.39 |
| Fixed Income | 5.90 |
| U.S. Government Securities Fund® | 4.90 |
| American Funds Emerging Markets Bond Fund® | 1.00 |
As of 11/30/25 (updated monthly)
| Target Allocations % | ||
|---|---|---|
| Equity | 85.25 | |
| Multi-Asset | 8.75 | |
| Fixed Income | 6.00 |
| Target Allocations | |
|---|---|
| Equity | 85.25 |
| New Perspective Fund® | 9.00 |
| Fundamental Investors® | 8.85 |
| SMALLCAP World Fund® | 8.85 |
| Washington Mutual Investors Fund | 8.00 |
| Capital World Growth and Income Fund® | 7.85 |
| New World Fund® | 7.70 |
| AMCAP Fund® | 7.00 |
| The Growth Fund of America® | 7.00 |
| American Mutual Fund® | 6.15 |
| The Investment Company of America® | 5.85 |
| The New Economy Fund® | 4.85 |
| American Funds® Global Insight Fund | 2.15 |
| EUPAC Fund™ | 2.00 |
| Multi-Asset | 8.75 |
| American Balanced Fund® | 6.15 |
| American Funds® Global Balanced Fund | 2.00 |
| Capital Income Builder® | 0.30 |
| The Income Fund of America® | 0.30 |
| Fixed Income | 6.00 |
| U.S. Government Securities Fund® | 5.00 |
| American Funds Emerging Markets Bond Fund® | 1.00 |
As of 9/30/25 (updated quarterly)
The allocations shown are as of the time of publication, and are subject to the oversight committee's discretion. The investment adviser anticipates assets will be invested within a range that deviates no more than 10% above or below the allocations shown in the prospectus/characteristics statement. Underlying funds may be added or removed during the year. Visit capitalgroup.com for current allocations.
Asset mix
As of 11/30/25 (updated monthly, %)
U.S. Equities | 61.5 |
|---|---|
Non-U.S. Equities | 26.4 |
U.S. Bonds | 6.6 |
Non-U.S. Bonds | 1.6 |
Cash, Equivalents & Other | 3.9 |
U.S. Equities | 61.5 |
|---|---|
Non-U.S. Equities | 26.4 |
U.S Bonds | 6.6 |
Non-U.S. Bonds | 1.6 |
Cash, Equivalents & Other | 3.9 |
Key statistics
% of net assets as of 11/30/25 (updated monthly)
RFKTX | |
|---|---|
Yield to worst (%) tooltip: BS_YTW definition not found. | 4.6 |
Yield to maturity (%) tooltip: BS_YLDMAT definition not found. | 4.6 |
Average coupon (%) tooltip: AVGCOUP definition not found. | 4.6 |
Effective duration (years) tooltip: BS_ED definition not found. | 6.1 |
Spread duration (years) tooltip: spreadDuration definition not found. | 2.6 |
Option adjusted spread (bps) tooltip: BS_OAS definition not found. | 44.5 |
Duration times spread (bps) tooltip: durationTimesSpread definition not found. | 211 |
Morningstar Ownership Zone™
As of 9/30/25 (updated quarterly)
Large Growth
Weighted average of holdings
75% of fund's stock holdings
Morningstar Style Box™
As of 9/30/25 (updated quarterly)
Valuation
As of 9/30/25 (updated quarterly)
| RFKTX | INDEX | |
|---|---|---|
| Price/Book tooltip: PBRAT definition not found. | 3.6 | 2.7 |
| Price/Cash flow tooltip: PCRAT definition not found. | 13.8 | 11.6 |
| Price/Earnings tooltip: PERAT definition not found. | 19.9 | 18.0 |
Index data refers to the S & P Target Date 2055 Index tooltip: 2450 definition not found..
Portfolio exposures
Read important investment disclosures
As of 11/30/25 (updated monthly)
| RFKTX (%) | ||
|---|---|---|
| Equities | 87.8 | |
| Convertibles | 0.2 | |
| AAA/Aaa | 0.4 | |
| AA/Aa | 5.9 | |
| A | 0.7 | |
| BBB/Baa | 0.9 | |
| BB/Ba | 0.3 | |
| B | 0.1 | |
| CCC & Below | 0.0 | |
| Unrated | 0.0 | |
| Other | 0.0 | |
| Cash & equivalents | 3.7 |
Data represents the fixed income portion of the portfolio.
Fees & Expenses
Fees
As of the most recent prospectus
Annual management fees (%) | 0.00 |
|---|---|
Other expenses (%) | 0.01 |
Acquired (underlying) fund fees and expenses | 0.38 |
Service 12b-1 (%) | n/a |
Expense ratio
Values shown as percentages (%).
RFKTX (gross/net) | 0.39/0.39 |
|---|---|
Morningstar Target Retirement 2051-2055 Retirement, Large median As of 9/30/25 (updated quarterly) | 0.43 |
Resources
Timely thought leadership to guide your investment perspectives
EXPLORE INSIGHTSFind resources on topics ranging from plan design to participant education
EXPLORE RESOURCESTotals may not reconcile due to rounding.