About RCFTX
The American Funds 2035 Target Date Retirement Fund Class R-3 is a target-date mutual fund tailored for individuals planning to retire around the year 2035. Structured to serve as a comprehensive, single-fund retirement solution, it automatically adjusts its asset allocation over time, shifting from a growth-oriented portfolio to one focused more on income generation and capital preservation as the target date approaches and passes. The fund invests in a diverse mix of underlying American Funds, encompassing U.S. and international equities, fixed-income securities, and balanced funds, which provides broad exposure to multiple asset classes and market sectors. As of mid-2025, its portfolio consists of approximately 48% U.S. equities, 17% non-U.S. equities, and 30% bonds, with the remainder in cash and equivalents. Managed by Capital Research and Management Company, the fund aims to balance the objectives of growth, income, and risk management throughout the investor’s pre- and post-retirement years. This structure makes it a significant component of retirement investment plans, especially within employer-sponsored retirement accounts, by simplifying long-term saving and portfolio management for participants seeking a professionally managed glide path to and through retirement.
Fund Family Capital Group
Category Target-Date 2035
Performance Rating Above Average
Risk Rating Below Average
Stock Exchange NASDAQ
Ticker Symbol RCFTX
Share Class Class R-3
Index S&P Target Date 2035 TR
RCFTX had a total return of 12.74% in the past year, including dividends. Since the fund's
inception, the average annual return has been 7.53%.
