About RDFTX
The American Funds 2035 Target Date Retirement Fund Class R-4 is a target date mutual fund managed by Capital Research and Management Company. Designed for individuals anticipating retirement around the year 2035, the fund aims to deliver a balanced approach to growth, income, and capital preservation by dynamically adjusting its asset allocation as the target date approaches. Early in its lifecycle, the fund emphasizes growth through a higher allocation to equities; as 2035 approaches and beyond, it shifts toward increased exposure to fixed income and more conservative investments, reflecting the changing risk tolerance of retirees.
This fund invests in a diversified mix of underlying American Funds, covering U.S. and international equities, as well as bonds and cash equivalents. Major sectors represented include information technology, industrials, financials, and health care, among others. Through periodic rebalancing, the fund seeks to maintain an optimal mix tailored to retirement savers’ evolving needs. It is well-regarded for low expenses relative to peers, disciplined management, and a long-term, research-driven investment philosophy. The American Funds 2035 Target Date Retirement Fund Class R-4 plays a significant role in employer-sponsored retirement plans, offering a single, professionally managed solution for accumulating and protecting retirement savings.
Fund Family Capital Group
Category Target-Date 2035
Performance Rating High
Risk Rating Below Average
Stock Exchange Nasdaq
Ticker Symbol RDFTX
Share Class Class R-4
Index S&P Target Date 2035 TR
RDFTX had a total return of 6.86% in the past year, including dividends. Since the fund's
inception, the average annual return has been 7.63%.
