American Funds 2035 Trgt Date Retire R-5 (REFTX)

Fund Assets	53.38B
Expense Ratio	0.407%
Min. Investment	$250
Turnover	7.00%
Dividend (ttm)	0.37
Dividend Yield	1.64%
Dividend Growth	-2.85%
Payout Frequency	Annual
Ex-Dividend Date	Dec 24, 2025

Previous Close	22.42
YTD Return	6.44%
1-Year Return	6.82%
5-Year Return	39.87%
52-Week Low	20.33
52-Week High	23.06
Beta (5Y)	0.74
Holdings	25
Inception Date	Feb 1, 2007

About REFTX

American Funds 2035 Target Date Retirement Fund Class R-5 is a target-date mutual fund specifically designed to help investors prepare for retirement around the year 2035. The fund’s central feature is its diversified approach, investing across a blend of American Funds portfolios spanning domestic and international equities, bonds, and other fixed income instruments. Its asset allocation gradually shifts over time—moving from a focus on capital growth in its early years to emphasizing income and capital preservation as the target date approaches and during retirement. This dynamic “glide path” reduces risk exposure as investors near and enter retirement, aiming to balance total return and stability. The fund’s holdings are drawn from a select group of underlying American Funds, managed by Capital Research and Management Company. Key sectors represented include information technology, industrials, financials, and healthcare, along with meaningful allocations to government and inflation-linked bonds. With an annual expense ratio of 0.40%, the fund is positioned as a cost-effective retirement planning tool, offering professional management and regular rebalancing. It is intended both for investors seeking a single-fund retirement solution and for those who value a disciplined strategy that adapts automatically to changing retirement needs over several decades.

• Fund Family: Capital Group
• Category: Target-Date 2035
• Performance Rating: High
• Risk Rating: Below Average
• Stock Exchange: Nasdaq
• Ticker Symbol: REFTX
• Share Class: Class R-5
• Index: S&P Target Date 2035 TR

Performance

REFTX had a total return of 6.82% in the past year, including dividends. Since the fund's inception, the average annual return has been 8.00%.

Other Share Classes

These are alternative share classes of the same fund, from the same provider.

Symbol	Share Class	Expense Ratio
FDFTX	Class F-3	0.34%
RFFTX	Class R-6	0.34%
FBFTX	Class F-2	0.42%
RHFTX	Class R-5e	0.48%

Top 10 Holdings

58.11% of assets

Name	Symbol	Weight
American Funds American Balanced R-6	RLBGX	8.02%
American Funds Cptl Wld Gr&Inc R-6	RWIGX	7.06%
American Funds American Mutual R-6	RMFGX	7.01%
American Funds AMCAP R-6	RAFGX	5.79%
American Funds Growth Fd of Amer R-6	RGAGX	5.33%
American Funds Fundamental Invs R-6	RFNGX	5.01%
American Funds Global Balanced R-6	RGBGX	5.00%
American Funds Washington Mutual R-6	RWMGX	4.98%
American Funds US Government Sec R-6	RGVGX	4.97%
American Funds Mortgage R-6	RMAGX	4.96%

Dividend History

Ex-Dividend	Amount	Pay Date
Dec 24, 2025	$1.3048	Dec 26, 2025
Dec 26, 2024	$0.8586	Dec 27, 2024
Dec 22, 2023	$0.5054	Dec 26, 2023
Dec 23, 2022	$0.885	Dec 27, 2022
Dec 27, 2021	$1.0755	Dec 28, 2021
Dec 28, 2020	$0.674	Dec 29, 2020

Data Sources: Tiingo, Twelve Data, and more

Historical data is provided by Tiingo. Delayed stock pricing data is provided by Twelve Data. Several fund data points are also provided by Finnhub.

Last checked:

Oct 29, 2026

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