About RCPTX
The American Funds 2065 Target Date Retirement Fund Class R-3 is a diversified mutual fund designed to serve as a single, long-term investment solution for individuals planning to retire around the year 2065. Structured as a target date fund, it automatically adjusts its asset allocation over time: starting with a higher allocation to equities to pursue growth in the early years, and gradually shifting toward greater exposure to fixed income, equity-income, and balanced funds as the retirement date approaches. This glide path seeks to balance capital appreciation, income generation, and capital preservation to accommodate changing investor needs during the investment horizon. The fund predominantly invests in a mix of underlying American Funds mutual funds, providing exposure to sectors such as information technology, industrials, financials, health care, and consumer discretionary. Managed by Capital Research and Management Company, the fund leverages the firm’s research-driven investment process and long-term approach. By evolving its strategy in line with the investor’s proximity to retirement, it aims to help investors achieve both total return and stability as they transition from asset accumulation to income generation in retirement.
Fund Family Capital Group
Category Target-Date 2065+
Performance Rating Below Average
Risk Rating Low
Stock Exchange Nasdaq
Ticker Symbol RCPTX
Share Class Class R-3
Index S&P Target Date 2065+ TR
RCPTX had a total return of 13.06% in the past year, including dividends. Since the fund's
inception, the average annual return has been 14.96%.
