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See What We Offer. Saving for College. Finances After Retirement Planning Calculator. College Savings Calculator. Traditional vs. Spend It or Save It Calculator. Investment Calculator. Taxes and Inflation Calculator. Getting Started. Investing Fundamentals. Creating a Financial Plan. Retirement Planning. Market Fluctuations. See All Planning. Buying Shares. Selling Shares. Changing Your Preferences.
Tax Center. Contact Us. Submit Documents Online. Locate a Financial Professional. Fixed Income. See All Insights. Investment Approach. Global Citizenship. See More About Us. Easy plan setup and administration A third-party recordkeeper, third-party administrator, and annual and discrimination testing are not required. Lower cost Plan setup and annual fees are typically lower than those of k plans. Tax benefits — For employers, contributions are tax deductible.
For participants, contributions and earnings are not taxed until withdrawn. Plan service model Financial professional provides individual and investment advice to each participant. Default investment option Because all investment selections must be made by participants, default investments are not necessary. Plan service model Financial professional serves the plan with access to plan-level reports, simplified forms and an online, streamlined enrollment process.
Investment Plan sponsors can customize and simplify their menus by choosing which of the American Funds to make available to participants. Eligible employers — Business with 1 to employees, including state and local governments and tax-exempt organizations. The employer may also specify less restrictive eligibility requirements in on the SIMPLE adoption agreement to expand the group of eligible employees.
Employer contributions — To simplify and expedite the contribution process, employers are required to submit contributions online. Participant investments — Because participants control their accounts, they can monitor their investments and make exchanges and other transactions at any time, online or by phone.
If account assets reach certain levels breakpoints , a lower or no sales charge may apply. If you are an employer, you can invest in American Funds through most online brokers or by working with your financial professional.
Don't have a financial professional? Employees can establish an IRA with American Funds or another financial institution, and choose any of the investments offered. Convenience Select a target date fund that is based on your nearest anticipated retirement date.
Objective-focused With objectives like growth, income and preservation, these funds of funds offer diversification and control in a single investment. Customized Investors can build an investment portfolio of American Funds to meet their specific preferences and needs. Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.
Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses , which can be obtained from a financial professional and should be read carefully before investing.
Each target date portfolio is composed of a mix of underlying funds and is subject to the risks and returns of those funds. Underlying funds may be added or removed during the year. Although the target date portfolios are managed for investors on a projected retirement date time frame, the allocation strategy does not guarantee that investors' retirement goals will be met.
The target date is the year that corresponds roughly to the year in which an investor is assumed to retire and begin taking withdrawals. Investment professionals manage the portfolio, moving it from a more growth-oriented strategy to a more income-oriented focus as the target date gets closer.
Investment professionals continue to manage each portfolio for approximately 30 years after it reaches its target date.
This material does not constitute legal or tax advice. Investors should consult with their legal or tax advisors. All other company and product names mentioned are the property of their respective companies. This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.
Allocations may not achieve investment objectives. The portfolios' risks are directly related to the risks of the underlying funds.
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