0000051931-13-000080.txt : 20130122 0000051931-13-000080.hdr.sgml : 20130121 20130122141414 ACCESSION NUMBER: 0000051931-13-000080 CONFORMED SUBMISSION TYPE: 485BPOS PUBLIC DOCUMENT COUNT: 8 FILED AS OF DATE: 20130122 DATE AS OF CHANGE: 20130122 EFFECTIVENESS DATE: 20130122 FILER: COMPANY DATA: COMPANY CONFORMED NAME: American Funds Target Date Retirement Series CENTRAL INDEX KEY: 0001380175 IRS NUMBER: 000000000 STATE OF INCORPORATION: DE FISCAL YEAR END: 1031 FILING VALUES: FORM TYPE: 485BPOS SEC ACT: 1933 Act SEC FILE NUMBER: 333-138648 FILM NUMBER: 13539900 BUSINESS ADDRESS: STREET 1: 333 S HOPE ST - 55TH FL (MICG) CITY: LOS ANGELES STATE: CA ZIP: 90071 BUSINESS PHONE: 213-486-9200 MAIL ADDRESS: STREET 1: 333 S HOPE ST - 55TH FL (MICG) CITY: LOS ANGELES STATE: CA ZIP: 90071 FORMER COMPANY: FORMER CONFORMED NAME: American Funds Target Retirement Series DATE OF NAME CHANGE: 20061103 FILER: COMPANY DATA: COMPANY CONFORMED NAME: American Funds Target Date Retirement Series CENTRAL INDEX KEY: 0001380175 IRS NUMBER: 000000000 STATE OF INCORPORATION: DE FISCAL YEAR END: 1031 FILING VALUES: FORM TYPE: 485BPOS SEC ACT: 1940 Act SEC FILE NUMBER: 811-21981 FILM NUMBER: 13539901 BUSINESS ADDRESS: STREET 1: 333 S HOPE ST - 55TH FL (MICG) CITY: LOS ANGELES STATE: CA ZIP: 90071 BUSINESS PHONE: 213-486-9200 MAIL ADDRESS: STREET 1: 333 S HOPE ST - 55TH FL (MICG) CITY: LOS ANGELES STATE: CA ZIP: 90071 FORMER COMPANY: FORMER CONFORMED NAME: American Funds Target Retirement Series DATE OF NAME CHANGE: 20061103 0001380175 S000015555 American Funds 2010 Target Date Retirement Fund C000042375 Class A AAATX C000042376 Class R-1 RAATX C000042377 Class R-2 RBATX C000042378 Class R-3 RCATX C000042379 Class R-4 RDATX C000042380 Class R-5 REATX C000077951 Class R-6 RFTTX 0001380175 S000015556 American Funds 2015 Target Date Retirement Fund C000042381 Class R-3 RCJTX C000042382 Class R-4 RDBTX C000042383 Class R-5 REJTX C000042384 Class A AABTX C000042385 Class R-1 RAJTX C000042386 Class R-2 RBJTX C000078486 Class R-6 RFJTX 0001380175 S000015557 American Funds 2020 Target Date Retirement Fund C000042387 Class A AACTX C000042388 Class R-1 RACTX C000042389 Class R-2 RBCTX C000042390 Class R-3 RCCTX C000042391 Class R-4 RDCTX C000042392 Class R-5 RECTX C000078487 Class R-6 RRCTX 0001380175 S000015558 American Funds 2025 Target Date Retirement Fund C000042393 Class A AADTX C000042394 Class R-1 RADTX C000042395 Class R-2 RBDTX C000042396 Class R-3 RCDTX C000042397 Class R-4 RDDTX C000042398 Class R-5 REDTX C000078488 Class R-6 RFDTX 0001380175 S000015559 American Funds 2030 Target Date Retirement Fund C000042399 Class A AAETX C000042400 Class R-1 RAETX C000042401 Class R-2 RBETX C000042402 Class R-3 RCETX C000042403 Class R-4 RDETX C000042404 Class R-5 REETX C000078489 Class R-6 RFETX 0001380175 S000015560 American Funds 2035 Target Date Retirement Fund C000042405 Class A AAFTX C000042406 Class R-1 RAFTX C000042407 Class R-2 RBFTX C000042408 Class R-3 RCFTX C000042409 Class R-4 RDFTX C000042410 Class R-5 REFTX C000078490 Class R-6 RFFTX 0001380175 S000015561 American Funds 2040 Target Date Retirement Fund C000042411 Class A AAGTX C000042412 Class R-1 RAKTX C000042413 Class R-2 RBKTX C000042414 Class R-3 RCKTX C000042415 Class R-4 RDGTX C000042416 Class R-5 REGTX C000078491 Class R-6 RFGTX 0001380175 S000015562 American Funds 2045 Target Date Retirement Fund C000042417 Class A AAHTX C000042418 Class R-1 RAHTX C000042419 Class R-2 RBHTX C000042420 Class R-3 RCHTX C000042421 Class R-4 RDHTX C000042422 Class R-5 REHTX C000078492 Class R-6 RFHTX 0001380175 S000015563 American Funds 2050 Target Date Retirement Fund C000042423 Class A AALTX C000042424 Class R-1 RAITX C000042425 Class R-2 RBITX C000042426 Class R-3 RCITX C000042427 Class R-4 RDITX C000042428 Class R-5 REITX C000078493 Class R-6 RFITX 0001380175 S000027236 American Funds 2055 Target Date Retirement Fund C000082210 Class A AAMTX C000082211 Class R-1 RAMTX C000082212 Class R-2 RBMTX C000082213 Class R-3 RCMTX C000082214 Class R-4 RDJTX C000082215 Class R-5 REKTX C000082216 Class R-6 RFKTX 485BPOS 1 aftd485bxbrl.htm AMERICAN FUNDS TARGET DATE RETIREMENT SERIES

 

SEC. File Nos. 333-138648

811-21981

 

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

__________________

 

 

FORM N-1A

Registration Statement

Under

the Securities Act of 1933

Post-Effective Amendment No. 12

and

Registration Statement

Under

the Investment Company Act of 1940

Amendment No. 14

 

__________________

 

 

AMERICAN FUNDS TARGET DATE RETIREMENT SERIES

(Exact Name of Registrant as Specified in Charter)

 

333 South Hope Street

Los Angeles, California 90071-1447

(Address of Principal Executive Offices)

 

Registrant's telephone number, including area code:

(213) 486-9200

__________________ 

 

 

Steven I. Koszalka, Secretary

American Funds Target Date Retirement Series

333 South Hope Street

Los Angeles, California 90071-1406

(Name and Address of Agent for Service)

__________________

 

Copies to:

Michael Glazer

Bingham McCutchen LLP

355 South Grand Avenue, Suite 4400

Los Angeles, CA 90071-3106

(Counsel for the Registrant)

 

Approximate date of proposed public offering:

It is proposed that this filing become effective immediately pursuant to paragraph (b) of rule 485.

 

 

 
 

SIGNATURES

 

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets all of the requirements for effectiveness of this registration statement under Rule 485(b) under the Securities Act of 1933 and has duly caused this registration statement to be signed on its behalf by the undersigned, duly authorized, in the City of Los Angeles, and State of California, on the 22nd day of January, 2013.

 

American Funds Target Date Retirement Series

 

By: /s/ John H. Smet

(John H. Smet, Vice Chairman)

 

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed below on January 22, 2013, by the following persons in the capacities indicated.

 

  Signature Title
(1) Principal Executive Officer:
     
  /s/ Michael J. Downer President/PEO
  Michael J. Downer
   
(2) Principal Financial Officer and Principal Accounting Officer:
   
  /s/ Gregory F. Niland Treasurer
  Gregory F. Niland
   
(3) Trustees:
     
  William H. Baribault* Trustee
     
  /s/ Michael J. Downer President and Trustee
  Michael J. Downer  
     
  James G. Ellis* Trustee
  Leonard R. Fuller* Trustee
  W. Scott Hedrick* Trustee
  R. Clark Hooper* Chairman (Independent and Non-Executive)
  Merit E. Janow* Trustee
  Laurel B. Mitchell* Trustee
  Frank M. Sanchez* Trustee
     
  /s/ John H. Smet Vice Chairman
  John H. Smet  
     
  Margaret Spellings* Trustee
  Steadman Upham* Trustee

 

*By /s/ Steven I. Koszalka

Steven I. Koszalka, pursuant to a power of attorney filed herewith

 

Counsel represents that this amendment does not contain disclosures that would make the amendment ineligible for effectiveness under the provisions of rule 485(b).

 

/s/ Katherine H. Newhall

(Katherine H. Newhall)

 

 
 

POWER OF ATTORNEY

 

I, William H. Baribault, the undersigned Board member of the following registered investment companies (collectively, the “Funds”):

 

-          American Funds College Target Date Series (File No. 333-180729, File No. 811-22692)

-          American Funds Corporate Bond Fund (File No. 333-183929, File No. 811-22744)

-          American Funds Global High-Income Opportunities Fund (File No. 333-183930, File No. 811-22745)

-          The American Funds Income Series – U.S. Government Securities Fund (File No. 002-98199, File No. 811-04318)

-          American Funds Inflation Linked Bond Fund (File No. 333-183931, File No. 811-22746)

-          American Funds Insurance Series (File No. 002-86838, File No. 811-03857)

-          American Funds Money Market Fund (File No. 333-157162, File No. 811-22277)

-          American Funds Mortgage Fund (File No. 333-168595, File No. 811-22449)

-          American Funds Portfolio Series (File No. 333-178936, File No. 811-22656)

-          American Funds Short-Term Tax-Exempt Bond Fund (File No. 033-26431, File No. 811-05750)

-          American Funds Target Date Retirement Series (File No. 333-138648, File No. 811-21981)

-          American Funds Tax-Exempt Fund of New York (File No. 333-168594, File No. 811-22448)

-          The American Funds Tax-Exempt Series II – The Tax-Exempt Fund of California (File No. 033-06180, File No. 811-04694)

-          American High-Income Municipal Bond Fund (File No. 033-80630, File No. 811-08576)

-          American High-Income Trust (File No. 033-17917, File No. 811-05364)

-          The Bond Fund of America (File No. 002-50700, File No. 811-02444)

-          Capital World Bond Fund (File No. 033-12447, File No. 811-05104)

-          Intermediate Bond Fund of America (File No. 033-19514, File No. 811-05446)

-          Limited Term Tax-Exempt Bond Fund of America (File No. 033-66214, File No. 811-07888)

-          Short-Term Bond Fund of America (File No. 333-135770, File No. 811-21928)

- The Tax-Exempt Bond Fund of America (File No. 002-49291, File No. 811-02421)

 

hereby revoke all previous powers of attorney I have signed and otherwise act in my name and behalf in matters involving the Funds and do hereby constitute and appoint

 

Vincent P. Corti

Steven I. Koszalka

Patrick F. Quan

Courtney R. Taylor

Julie E. Lawton

Tanya Schneider

Raymond F. Sullivan, Jr.

Karl C. Grauman

Brian C. Janssen

Dori Laskin

Gregory F. Niland

 

each of them singularly, my true and lawful attorneys-in-fact, with full power of substitution, and with full power to each of them, to sign for me and in my name in the appropriate capacities, all Registration Statements of the Funds on Form N-1A, any and all subsequent Amendments, or Post-Effective Amendments to said Registration Statement on Form N-1A or any successor thereto, and any supplements or other instruments in connection therewith, and generally to do all such things in my name and behalf in connection therewith as said attorneys-in-fact deem necessary or appropriate, to comply with the provisions of the Securities Act of 1933 and the Investment Company Act of 1940 as amended, and all related requirements of the U. S. Securities and Exchange Commission. I hereby ratify and confirm all that said attorneys-in-fact or their substitutes may do or cause to be done by virtue hereof.

 

EXECUTED at Los Angeles, CA, this 5th day of December, 2012.

(City, State)

 

 

/s/ William H. Baribault

William H. Baribault, Board member

 
 

POWER OF ATTORNEY

 

I, James G. Ellis, the undersigned Board member of the following registered investment companies (collectively, the “Funds”):

 

-          AMCAP Fund (File No. 002-26516, File No. 811-01435)

-          American Funds College Target Date Series (File No. 333-180729, File No. 811-22692)

-          American Funds Corporate Bond Fund (File No. 333-183929, File No. 811-22744)

-          American Funds Global High-Income Opportunities Fund (File No. 333-183930, File No. 811-

-          American Funds Global Balanced Fund (File No. 333-170605, File No. 811-22496)

-                     The American Funds Income Series – U.S. Government Securities Fund (File No. 002-98199, File No. 811-04318)

-          American Funds Inflation Linked Bond Fund (File No. 333-183931, File No. 811-22746)

-          American Funds Insurance Series (File No. 002-86838, File No. 811-03857)

-          American Funds Money Market Fund (File No. 333-157162, File No. 811-22277)

-          American Funds Mortgage Fund (File No. 333-168595, File No. 811-22449)

-          American Funds Portfolio Series (File No. 333-178936, File No. 811-22656)

-          American Funds Short-Term Tax-Exempt Bond Fund (File No. 033-26431, File No. 811-05750)

-          American Funds Target Date Retirement Series (File No. 333-138648, File No. 811-21981)

-          American Funds Tax-Exempt Fund of New York (File No. 333-168594, File No. 811-22448)

-                     The American Funds Tax-Exempt Series II – The Tax-Exempt Fund of California (File No. 033-06180, File No. 811-04694)

-          American High-Income Municipal Bond Fund (File No. 033-80630, File No. 811-08576)

-          American High-Income Trust (File No. 033-17917, File No. 811-05364)

-          American Mutual Fund (File No. 002-10607, File No. 811-00572)

-          The Bond Fund of America (File No. 002-50700, File No. 811-02444)

-          Capital World Bond Fund (File No. 033-12447, File No. 811-05104)

-          Intermediate Bond Fund of America (File No. 033-19514, File No. 811-05446)

-          The Investment Company of America (File No. 002-10811, File No. 811-00116)

-          Limited Term Tax-Exempt Bond Fund of America (File No. 033-66214, File No. 811-07888)

-          Short-Term Bond Fund of America (File No. 333-135770, File No. 811-21928)

-The Tax-Exempt Bond Fund of America (File No. 002-49291, File No. 811-02421)

 

hereby revoke all previous powers of attorney I have signed and otherwise act in my name and behalf in matters involving the Funds and do hereby constitute and appoint

 

Vincent P. Corti

Steven I. Koszalka

Patrick F. Quan

Courtney R. Taylor

Julie E. Lawton

Tanya Schneider

Raymond F. Sullivan, Jr.

Brian D. Bullard

Karl C. Grauman

Brian C. Janssen

Dori Laskin

Gregory F. Niland

Ari M. Vinocor

 

each of them singularly, my true and lawful attorneys-in-fact, with full power of substitution, and with full power to each of them, to sign for me and in my name in the appropriate capacities, all Registration Statements of the Funds on Form N-1A, any and all subsequent Amendments, or Post-Effective Amendments to said Registration Statement on Form N-1A or any successor thereto, and any supplements or other instruments in connection therewith, and generally to do all such things in my name and behalf in connection therewith as said attorneys-in-fact deem necessary or appropriate, to comply with the provisions of the Securities Act of 1933 and the Investment Company Act of 1940 as amended, and all related requirements of the U. S. Securities and Exchange Commission. I hereby ratify and confirm all that said attorneys-in-fact or their substitutes may do or cause to be done by virtue hereof.

 

EXECUTED at Los Angeles, CA, this 5th day of December, 2012.

(City, State)

 

 

/s/ James G. Ellis

James G. Ellis, Board member

 
 

POWER OF ATTORNEY

 

I, Leonard R. Fuller, the undersigned Board member of the following registered investment companies (collectively, the “Funds”):

 

-          AMCAP Fund (File No. 002-26516, File No. 811-01435)

-          American Funds College Target Date Series (File No. 333-180729, File No. 811-22692)

-          American Funds Corporate Bond Fund (File No. 333-183929, File No. 811-22744)

-          American Funds Global High-Income Opportunities Fund (File No. 333-183930, File No. 811-22745)

-          American Funds Global Balanced Fund (File No. 333-170605, File No. 811-22496)

-                     The American Funds Income Series – U.S. Government Securities Fund (File No. 002-98199, File No. 811-04318)

-          American Funds Inflation Linked Bond Fund (File No. 333-183931, File No. 811-22746)

-          American Funds Insurance Series (File No. 002-86838, File No. 811-03857)

-          American Funds Money Market Fund (File No. 333-157162, File No. 811-22277)

-          American Funds Mortgage Fund (File No. 333-168595, File No. 811-22449)

-          American Funds Portfolio Series (File No. 333-178936, File No. 811-22656)

-          American Funds Short-Term Tax-Exempt Bond Fund (File No. 033-26431, File No. 811-05750)

-          American Funds Target Date Retirement Series (File No. 333-138648, File No. 811-21981)

-          American Funds Tax-Exempt Fund of New York (File No. 333-168594, File No. 811-22448)

-                     The American Funds Tax-Exempt Series II – The Tax-Exempt Fund of California (File No. 033-06180, File No. 811-04694)

-          American High-Income Municipal Bond Fund (File No. 033-80630, File No. 811-08576)

-          American High-Income Trust (File No. 033-17917, File No. 811-05364)

-          American Mutual Fund (File No. 002-10607, File No. 811-00572)

-          The Bond Fund of America (File No. 002-50700, File No. 811-02444)

-          Capital World Bond Fund (File No. 033-12447, File No. 811-05104)

-          Intermediate Bond Fund of America (File No. 033-19514, File No. 811-05446)

-          The Investment Company of America (File No. 002-10811, File No. 811-00116)

-          Limited Term Tax-Exempt Bond Fund of America (File No. 033-66214, File No. 811-07888)

-          Short-Term Bond Fund of America (File No. 333-135770, File No. 811-21928)

-The Tax-Exempt Bond Fund of America (File No. 002-49291, File No. 811-02421)

 

hereby revoke all previous powers of attorney I have signed and otherwise act in my name and behalf in matters involving the Funds and do hereby constitute and appoint

 

Vincent P. Corti

Steven I. Koszalka

Patrick F. Quan

Courtney R. Taylor

Julie E. Lawton

Tanya Schneider

Raymond F. Sullivan, Jr.

Brian D. Bullard

Karl C. Grauman

Brian C. Janssen

Dori Laskin

Gregory F. Niland

Ari M. Vinocor

 

each of them singularly, my true and lawful attorneys-in-fact, with full power of substitution, and with full power to each of them, to sign for me and in my name in the appropriate capacities, all Registration Statements of the Funds on Form N-1A, any and all subsequent Amendments, or Post-Effective Amendments to said Registration Statement on Form N-1A or any successor thereto, and any supplements or other instruments in connection therewith, and generally to do all such things in my name and behalf in connection therewith as said attorneys-in-fact deem necessary or appropriate, to comply with the provisions of the Securities Act of 1933 and the Investment Company Act of 1940 as amended, and all related requirements of the U. S. Securities and Exchange Commission. I hereby ratify and confirm all that said attorneys-in-fact or their substitutes may do or cause to be done by virtue hereof.

 

EXECUTED at Los Angeles, CA, this 5th day of December, 2012.

(City, State)

 

/s/ Leonard R. Fuller

Leonard R. Fuller, Board member

 
 

POWER OF ATTORNEY

 

I, W. Scott Hedrick, the undersigned Board member of the following registered investment companies (collectively, the “Funds”):

 

-          American Funds College Target Date Series (File No. 333-180729, File No. 811-22692)

-          American Funds Corporate Bond Fund (File No. 333-183929, File No. 811-22744)

-          American Funds Global High-Income Opportunities Fund (File No. 333-183930, File No. 811-22745)

-                     The American Funds Income Series – U.S. Government Securities Fund (File No. 002-98199, File No. 811-04318)

-          American Funds Inflation Linked Bond Fund (File No. 333-183931, File No. 811-22746)

-          American Funds Insurance Series (File No. 002-86838, File No. 811-03857)

-          American Funds Money Market Fund (File No. 333-157162, File No. 811-22277)

-          American Funds Mortgage Fund (File No. 333-168595, File No. 811-22449)

-          American Funds Portfolio Series (File No. 333-178936, File No. 811-22656)

-          American Funds Short-Term Tax-Exempt Bond Fund (File No. 033-26431, File No. 811-05750)

-          American Funds Target Date Retirement Series (File No. 333-138648, File No. 811-21981)

-          American Funds Tax-Exempt Fund of New York (File No. 333-168594, File No. 811-22448)

-                     The American Funds Tax-Exempt Series II – The Tax-Exempt Fund of California (File No. 033-06180, File No. 811-04694)

-          American High-Income Municipal Bond Fund (File No. 033-80630, File No. 811-08576)

-          American High-Income Trust (File No. 033-17917, File No. 811-05364)

-          The Bond Fund of America (File No. 002-50700, File No. 811-02444)

-          Capital World Bond Fund (File No. 033-12447, File No. 811-05104)

-          Intermediate Bond Fund of America (File No. 033-19514, File No. 811-05446)

-          Limited Term Tax-Exempt Bond Fund of America (File No. 033-66214, File No. 811-07888)

-          Short-Term Bond Fund of America (File No. 333-135770, File No. 811-21928)

-The Tax-Exempt Bond Fund of America (File No. 002-49291, File No. 811-02421)

 

hereby revoke all previous powers of attorney I have signed and otherwise act in my name and behalf in matters involving the Funds and do hereby constitute and appoint

 

Vincent P. Corti

Steven I. Koszalka

Patrick F. Quan

Courtney R. Taylor

Julie E. Lawton

Tanya Schneider

Raymond F. Sullivan, Jr.

Karl C. Grauman

Brian C. Janssen

Dori Laskin

Gregory F. Niland

 

each of them singularly, my true and lawful attorneys-in-fact, with full power of substitution, and with full power to each of them, to sign for me and in my name in the appropriate capacities, all Registration Statements of the Funds on Form N-1A, any and all subsequent Amendments, or Post-Effective Amendments to said Registration Statement on Form N-1A or any successor thereto, and any supplements or other instruments in connection therewith, and generally to do all such things in my name and behalf in connection therewith as said attorneys-in-fact deem necessary or appropriate, to comply with the provisions of the Securities Act of 1933 and the Investment Company Act of 1940 as amended, and all related requirements of the U. S. Securities and Exchange Commission. I hereby ratify and confirm all that said attorneys-in-fact or their substitutes may do or cause to be done by virtue hereof.

 

EXECUTED at Santa Barbara, CA, this 10th day of December, 2012.

(City, State)

 

 

/s/ W. Scott Hedrick

W. Scott Hedrick, Board member

 
 

POWER OF ATTORNEY

 

I, R. Clark Hooper, the undersigned Board member of the following registered investment companies (collectively, the “Funds”):

 

-          American Funds College Target Date Series (File No. 333-180729, File No. 811-22692)

-          American Funds Corporate Bond Fund (File No. 333-183929, File No. 811-22744)

-          American Funds Global High-Income Opportunities Fund (File No. 333-183930, File No. 811-22745)

-                     The American Funds Income Series – U.S. Government Securities Fund (File No. 002-98199, File No. 811-04318)

-          American Funds Inflation Linked Bond Fund (File No. 333-183931, File No. 811-22746)

-          American Funds Insurance Series (File No. 002-86838, File No. 811-03857)

-          American Funds Money Market Fund (File No. 333-157162, File No. 811-22277)

-          American Funds Mortgage Fund (File No. 333-168595, File No. 811-22449)

-          American Funds Portfolio Series (File No. 333-178936, File No. 811-22656)

-          American Funds Short-Term Tax-Exempt Bond Fund (File No. 033-26431, File No. 811-05750)

-          American Funds Target Date Retirement Series (File No. 333-138648, File No. 811-21981)

-          American Funds Tax-Exempt Fund of New York (File No. 333-168594, File No. 811-22448)

-                     The American Funds Tax-Exempt Series II – The Tax-Exempt Fund of California (File No. 033-06180, File No. 811-04694)

-          American High-Income Municipal Bond Fund (File No. 033-80630, File No. 811-08576)

-          American High-Income Trust (File No. 033-17917, File No. 811-05364)

-          The Bond Fund of America (File No. 002-50700, File No. 811-02444)

-          Capital Income Builder (File No. 033-12967, File No. 811-05085)

-          Capital World Bond Fund (File No. 033-12447, File No. 811-05104)

-          Capital World Growth and Income Fund, Inc. (File No. 033-54444, File No. 811-07338)

-          Capital World Growth and Income Fund

-          Intermediate Bond Fund of America (File No. 033-19514, File No. 811-05446)

-          Limited Term Tax-Exempt Bond Fund of America (File No. 033-66214, File No. 811-07888)

-          The New Economy Fund (File No. 002-83848, File No. 811-03735)

-          The New Economy Fund

-          Short-Term Bond Fund of America (File No. 333-135770, File No. 811-21928)

-The Tax-Exempt Bond Fund of America (File No. 002-49291, File No. 811-02421)

 

hereby revoke all previous powers of attorney I have signed and otherwise act in my name and behalf in matters involving the Funds and do hereby constitute and appoint

 

Vincent P. Corti

Steven I. Koszalka

Patrick F. Quan

Courtney R. Taylor

Julie E. Lawton

Tanya Schneider

Raymond F. Sullivan, Jr.

Karl C. Grauman

Brian C. Janssen

Dori Laskin

Gregory F. Niland

Neal F. Wellons

 

each of them singularly, my true and lawful attorneys-in-fact, with full power of substitution, and with full power to each of them, to sign for me and in my name in the appropriate capacities, all Registration Statements of the Funds on Form N-1A, any and all subsequent Amendments, or Post-Effective Amendments to said Registration Statement on Form N-1A or any successor thereto, and any supplements or other instruments in connection therewith, and generally to do all such things in my name and behalf in connection therewith as said attorneys-in-fact deem necessary or appropriate, to comply with the provisions of the Securities Act of 1933 and the Investment Company Act of 1940 as amended, and all related requirements of the U. S. Securities and Exchange Commission. I hereby ratify and confirm all that said attorneys-in-fact or their substitutes may do or cause to be done by virtue hereof.

 

EXECUTED at Los Angeles, CA, this 5th day of December, 2012.

(City, State)

 

 

/s/ R. Clark Hooper

R. Clark Hooper, Board member

 
 

POWER OF ATTORNEY

 

I, Merit E. Janow, the undersigned Board member of the following registered investment companies (collectively, the “Funds”):

 

-          American Funds College Target Date Series (File No. 333-180729, File No. 811-22692)

-          American Funds Corporate Bond Fund (File No. 333-183929, File No. 811-22744)

-          American Funds Global High-Income Opportunities Fund (File No. 333-183930, File No. 811-22745)

-                     The American Funds Income Series – U.S. Government Securities Fund (File No. 002-98199, File No. 811-04318)

-          American Funds Inflation Linked Bond Fund (File No. 333-183931, File No. 811-22746)

-          American Funds Insurance Series (File No. 002-86838, File No. 811-03857)

-          American Funds Money Market Fund (File No. 333-157162, File No. 811-22277)

-          American Funds Mortgage Fund (File No. 333-168595, File No. 811-22449)

-          American Funds Portfolio Series (File No. 333-178936, File No. 811-22656)

-          American Funds Short-Term Tax-Exempt Bond Fund (File No. 033-26431, File No. 811-05750)

-          American Funds Target Date Retirement Series (File No. 333-138648, File No. 811-21981)

-          American Funds Tax-Exempt Fund of New York (File No. 333-168594, File No. 811-22448)

-                     The American Funds Tax-Exempt Series II – The Tax-Exempt Fund of California (File No. 033-06180, File No. 811-04694)

-          American High-Income Municipal Bond Fund (File No. 033-80630, File No. 811-08576)

-          American High-Income Trust (File No. 033-17917, File No. 811-05364)

-          The Bond Fund of America (File No. 002-50700, File No. 811-02444)

-          Capital Income Builder (File No. 033-12967, File No. 811-05085)

-          Capital World Bond Fund (File No. 033-12447, File No. 811-05104)

-          Capital World Growth and Income Fund, Inc. (File No. 033-54444, File No. 811-07338)

-          Capital World Growth and Income Fund

-          Intermediate Bond Fund of America (File No. 033-19514, File No. 811-05446)

-          Limited Term Tax-Exempt Bond Fund of America (File No. 033-66214, File No. 811-07888)

-          The New Economy Fund (File No. 002-83848, File No. 811-03735)

-          The New Economy Fund

-          Short-Term Bond Fund of America (File No. 333-135770, File No. 811-21928)

-The Tax-Exempt Bond Fund of America (File No. 002-49291, File No. 811-02421)

 

hereby revoke all previous powers of attorney I have signed and otherwise act in my name and behalf in matters involving the Funds and do hereby constitute and appoint

 

Vincent P. Corti

Steven I. Koszalka

Patrick F. Quan

Courtney R. Taylor

Julie E. Lawton

Tanya Schneider

Raymond F. Sullivan, Jr.

Karl C. Grauman

Brian C. Janssen

Dori Laskin

Gregory F. Niland

Neal F. Wellons

 

each of them singularly, my true and lawful attorneys-in-fact, with full power of substitution, and with full power to each of them, to sign for me and in my name in the appropriate capacities, all Registration Statements of the Funds on Form N-1A, any and all subsequent Amendments, or Post-Effective Amendments to said Registration Statement on Form N-1A or any successor thereto, and any supplements or other instruments in connection therewith, and generally to do all such things in my name and behalf in connection therewith as said attorneys-in-fact deem necessary or appropriate, to comply with the provisions of the Securities Act of 1933 and the Investment Company Act of 1940 as amended, and all related requirements of the U. S. Securities and Exchange Commission. I hereby ratify and confirm all that said attorneys-in-fact or their substitutes may do or cause to be done by virtue hereof.

 

EXECUTED at Los Angeles, CA, this 5th day of December, 2012.

(City, State)

 

 

/s/ Merit E. Janow

Merit E. Janow, Board member

 
 

POWER OF ATTORNEY

 

I, Laurel B. Mitchell, the undersigned Board member of the following registered investment companies (collectively, the “Funds”):

 

-          American Funds College Target Date Series (File No. 333-180729, File No. 811-22692)

-          American Funds Corporate Bond Fund (File No. 333-183929, File No. 811-22744)

-          American Funds Global High-Income Opportunities Fund (File No. 333-183930, File No. 811-22745)

-                     The American Funds Income Series – U.S. Government Securities Fund (File No. 002-98199, File No. 811-04318)

-          American Funds Inflation Linked Bond Fund (File No. 333-183931, File No. 811-22746)

-          American Funds Insurance Series (File No. 002-86838, File No. 811-03857)

-          American Funds Money Market Fund (File No. 333-157162, File No. 811-22277)

-          American Funds Mortgage Fund (File No. 333-168595, File No. 811-22449)

-          American Funds Portfolio Series (File No. 333-178936, File No. 811-22656)

-          American Funds Short-Term Tax-Exempt Bond Fund (File No. 033-26431, File No. 811-05750)

-          American Funds Target Date Retirement Series (File No. 333-138648, File No. 811-21981)

-          American Funds Tax-Exempt Fund of New York (File No. 333-168594, File No. 811-22448)

-                     The American Funds Tax-Exempt Series II – The Tax-Exempt Fund of California (File No. 033-06180, File No. 811-04694)

-          American High-Income Municipal Bond Fund (File No. 033-80630, File No. 811-08576)

-          American High-Income Trust (File No. 033-17917, File No. 811-05364)

-          The Bond Fund of America (File No. 002-50700, File No. 811-02444)

-          Capital World Bond Fund (File No. 033-12447, File No. 811-05104)

-          Intermediate Bond Fund of America (File No. 033-19514, File No. 811-05446)

-          Limited Term Tax-Exempt Bond Fund of America (File No. 033-66214, File No. 811-07888)

-          Short-Term Bond Fund of America (File No. 333-135770, File No. 811-21928)

-The Tax-Exempt Bond Fund of America (File No. 002-49291, File No. 811-02421)

 

hereby revoke all previous powers of attorney I have signed and otherwise act in my name and behalf in matters involving the Funds and do hereby constitute and appoint

 

Vincent P. Corti

Steven I. Koszalka

Patrick F. Quan

Courtney R. Taylor

Julie E. Lawton

Tanya Schneider

Raymond F. Sullivan, Jr.

Karl C. Grauman

Brian C. Janssen

Dori Laskin

Gregory F. Niland

 

each of them singularly, my true and lawful attorneys-in-fact, with full power of substitution, and with full power to each of them, to sign for me and in my name in the appropriate capacities, all Registration Statements of the Funds on Form N-1A, any and all subsequent Amendments, or Post-Effective Amendments to said Registration Statement on Form N-1A or any successor thereto, and any supplements or other instruments in connection therewith, and generally to do all such things in my name and behalf in connection therewith as said attorneys-in-fact deem necessary or appropriate, to comply with the provisions of the Securities Act of 1933 and the Investment Company Act of 1940 as amended, and all related requirements of the U. S. Securities and Exchange Commission. I hereby ratify and confirm all that said attorneys-in-fact or their substitutes may do or cause to be done by virtue hereof.

 

EXECUTED at Los Angeles, CA, this 5th day of December, 2012.

(City, State)

 

 

/s/ Laurel B. Mitchell

Laurel B. Mitchell, Board member

 
 

POWER OF ATTORNEY

 

I, Frank M. Sanchez, the undersigned Board member of the following registered investment companies (collectively, the “Funds”):

 

-          American Funds College Target Date Series (File No. 333-180729, File No. 811-22692)

-          American Funds Corporate Bond Fund (File No. 333-183929, File No. 811-22744)

-          American Funds Global High-Income Opportunities Fund (File No. 333-183930, File No. 811-22745)

-                     The American Funds Income Series – U.S. Government Securities Fund (File No. 002-98199, File No. 811-04318)

-          American Funds Inflation Linked Bond Fund (File No. 333-183931, File No. 811-22746)

-          American Funds Insurance Series (File No. 002-86838, File No. 811-03857)

-          American Funds Money Market Fund (File No. 333-157162, File No. 811-22277)

-          American Funds Mortgage Fund (File No. 333-168595, File No. 811-22449)

-          American Funds Portfolio Series (File No. 333-178936, File No. 811-22656)

-          American Funds Short-Term Tax-Exempt Bond Fund (File No. 033-26431, File No. 811-05750)

-          American Funds Target Date Retirement Series (File No. 333-138648, File No. 811-21981)

-          American Funds Tax-Exempt Fund of New York (File No. 333-168594, File No. 811-22448)

-                     The American Funds Tax-Exempt Series II – The Tax-Exempt Fund of California (File No. 033-06180, File No. 811-04694)

-          American High-Income Municipal Bond Fund (File No. 033-80630, File No. 811-08576)

-          American High-Income Trust (File No. 033-17917, File No. 811-05364)

-          The Bond Fund of America (File No. 002-50700, File No. 811-02444)

-          Capital World Bond Fund (File No. 033-12447, File No. 811-05104)

-          Intermediate Bond Fund of America (File No. 033-19514, File No. 811-05446)

-          Limited Term Tax-Exempt Bond Fund of America (File No. 033-66214, File No. 811-07888)

-          Short-Term Bond Fund of America (File No. 333-135770, File No. 811-21928)

-The Tax-Exempt Bond Fund of America (File No. 002-49291, File No. 811-02421)

 

hereby revoke all previous powers of attorney I have signed and otherwise act in my name and behalf in matters involving the Funds and do hereby constitute and appoint

 

Vincent P. Corti

Steven I. Koszalka

Patrick F. Quan

Courtney R. Taylor

Julie E. Lawton

Tanya Schneider

Raymond F. Sullivan, Jr.

Karl C. Grauman

Brian C. Janssen

Dori Laskin

Gregory F. Niland

 

each of them singularly, my true and lawful attorneys-in-fact, with full power of substitution, and with full power to each of them, to sign for me and in my name in the appropriate capacities, all Registration Statements of the Funds on Form N-1A, any and all subsequent Amendments, or Post-Effective Amendments to said Registration Statement on Form N-1A or any successor thereto, and any supplements or other instruments in connection therewith, and generally to do all such things in my name and behalf in connection therewith as said attorneys-in-fact deem necessary or appropriate, to comply with the provisions of the Securities Act of 1933 and the Investment Company Act of 1940 as amended, and all related requirements of the U. S. Securities and Exchange Commission. I hereby ratify and confirm all that said attorneys-in-fact or their substitutes may do or cause to be done by virtue hereof.

 

EXECUTED at Los Angeles, CA, this 5th day of December, 2012.

(City, State)

 

 

/s/ Frank M. Sanchez

Frank M. Sanchez, Board member

 
 

POWER OF ATTORNEY

 

I, Margaret Spellings, the undersigned Board member of the following registered investment companies (collectively, the “Funds”):

 

-          American Balanced Fund (File No. 002-10758, File No. 811-00066)

-          American Funds College Target Date Series (File No. 333-180729, File No. 811-22692)

-          American Funds Corporate Bond Fund (File No. 333-183929, File No. 811-22744)

-          American Funds Global High-Income Opportunities Fund (File No. 333-183930, File No. 811-22745)

-                     The American Funds Income Series – U.S. Government Securities Fund (File No. 002-98199, File No. 811-04318)

-          American Funds Inflation Linked Bond Fund (File No. 333-183931, File No. 811-22746)

-          American Funds Insurance Series (File No. 002-86838, File No. 811-03857)

-          American Funds Money Market Fund (File No. 333-157162, File No. 811-22277)

-          American Funds Mortgage Fund (File No. 333-168595, File No. 811-22449)

-          American Funds Portfolio Series (File No. 333-178936, File No. 811-22656)

-          American Funds Short-Term Tax-Exempt Bond Fund (File No. 033-26431, File No. 811-05750)

-          American Funds Target Date Retirement Series (File No. 333-138648, File No. 811-21981)

-          American Funds Tax-Exempt Fund of New York (File No. 333-168594, File No. 811-22448)

-                     The American Funds Tax-Exempt Series II – The Tax-Exempt Fund of California (File No. 033-06180, File No. 811-04694)

-          American High-Income Municipal Bond Fund (File No. 033-80630, File No. 811-08576)

-          American High-Income Trust (File No. 033-17917, File No. 811-05364)

-          The Bond Fund of America (File No. 002-50700, File No. 811-02444)

-          Capital World Bond Fund (File No. 033-12447, File No. 811-05104)

-          The Income Fund of America (File No. 002-33371, File No. 811-01880)

-          Intermediate Bond Fund of America (File No. 033-19514, File No. 811-05446)

-          International Growth and Income Fund (File No. 333-152323, File No. 811-22215)

-          Limited Term Tax-Exempt Bond Fund of America (File No. 033-66214, File No. 811-07888)

-          Short-Term Bond Fund of America (File No. 333-135770, File No. 811-21928)

-The Tax-Exempt Bond Fund of America (File No. 002-49291, File No. 811-02421)

 

hereby revoke all previous powers of attorney I have signed and otherwise act in my name and behalf in matters involving the Funds and do hereby constitute and appoint

 

Vincent P. Corti

Steven I. Koszalka

Patrick F. Quan

Courtney R. Taylor

Julie E. Lawton

Tanya Schneider

Raymond F. Sullivan, Jr.

Karl C. Grauman

Brian C. Janssen

Dori Laskin

Gregory F. Niland

Jeffrey P. Regal

 

each of them singularly, my true and lawful attorneys-in-fact, with full power of substitution, and with full power to each of them, to sign for me and in my name in the appropriate capacities, all Registration Statements of the Funds on Form N-1A, any and all subsequent Amendments, or Post-Effective Amendments to said Registration Statement on Form N-1A or any successor thereto, and any supplements or other instruments in connection therewith, and generally to do all such things in my name and behalf in connection therewith as said attorneys-in-fact deem necessary or appropriate, to comply with the provisions of the Securities Act of 1933 and the Investment Company Act of 1940 as amended, and all related requirements of the U. S. Securities and Exchange Commission. I hereby ratify and confirm all that said attorneys-in-fact or their substitutes may do or cause to be done by virtue hereof.

 

EXECUTED at Los Angeles, CA, this 5th day of December, 2012.

(City, State)

 

 

/s/ Margaret Spellings

Margaret Spellings, Board member

 
 

POWER OF ATTORNEY

 

I, Steadman Upham, the undersigned Board member of the following registered investment companies (collectively, the “Funds”):

 

-          American Funds College Target Date Series (File No. 333-180729, File No. 811-22692)

-          American Funds Corporate Bond Fund (File No. 333-183929, File No. 811-22744)

-          American Funds Global High-Income Opportunities Fund (File No. 333-183930, File No. 811-22745)

-                     The American Funds Income Series – U.S. Government Securities Fund (File No. 002-98199, File No. 811-04318)

-          American Funds Inflation Linked Bond Fund (File No. 333-183931, File No. 811-22746)

-          American Funds Insurance Series (File No. 002-86838, File No. 811-03857)

-          American Funds Money Market Fund (File No. 333-157162, File No. 811-22277)

-          American Funds Mortgage Fund (File No. 333-168595, File No. 811-22449)

-          American Funds Portfolio Series (File No. 333-178936, File No. 811-22656)

-          American Funds Short-Term Tax-Exempt Bond Fund (File No. 033-26431, File No. 811-05750)

-          American Funds Target Date Retirement Series (File No. 333-138648, File No. 811-21981)

-          American Funds Tax-Exempt Fund of New York (File No. 333-168594, File No. 811-22448)

-                     The American Funds Tax-Exempt Series II – The Tax-Exempt Fund of California (File No. 033-06180, File No. 811-04694)

-          American High-Income Municipal Bond Fund (File No. 033-80630, File No. 811-08576)

-          American High-Income Trust (File No. 033-17917, File No. 811-05364)

-          The Bond Fund of America (File No. 002-50700, File No. 811-02444)

-          Capital Income Builder (File No. 033-12967, File No. 811-05085)

-          Capital World Bond Fund (File No. 033-12447, File No. 811-05104)

-          Capital World Growth and Income Fund, Inc. (File No. 033-54444, File No. 811-07338)

-          Capital World Growth and Income Fund

-          Intermediate Bond Fund of America (File No. 033-19514, File No. 811-05446)

-          Limited Term Tax-Exempt Bond Fund of America (File No. 033-66214, File No. 811-07888)

-          The New Economy Fund (File No. 002-83848, File No. 811-03735)

-          The New Economy Fund

-          Short-Term Bond Fund of America (File No. 333-135770, File No. 811-21928)

-The Tax-Exempt Bond Fund of America (File No. 002-49291, File No. 811-02421)

 

hereby revoke all previous powers of attorney I have signed and otherwise act in my name and behalf in matters involving the Funds and do hereby constitute and appoint

 

Vincent P. Corti

Steven I. Koszalka

Patrick F. Quan

Courtney R. Taylor

Julie E. Lawton

Tanya Schneider

Raymond F. Sullivan, Jr.

Karl C. Grauman

Brian C. Janssen

Dori Laskin

Gregory F. Niland

Neal F. Wellons

 

each of them singularly, my true and lawful attorneys-in-fact, with full power of substitution, and with full power to each of them, to sign for me and in my name in the appropriate capacities, all Registration Statements of the Funds on Form N-1A, any and all subsequent Amendments, or Post-Effective Amendments to said Registration Statement on Form N-1A or any successor thereto, and any supplements or other instruments in connection therewith, and generally to do all such things in my name and behalf in connection therewith as said attorneys-in-fact deem necessary or appropriate, to comply with the provisions of the Securities Act of 1933 and the Investment Company Act of 1940 as amended, and all related requirements of the U. S. Securities and Exchange Commission. I hereby ratify and confirm all that said attorneys-in-fact or their substitutes may do or cause to be done by virtue hereof.

 

EXECUTED at Tulsa, OK, this 5th day of December, 2012.

(City, State)

 

 

/s/ Steadman Upham

Steadman Upham, Board member

 
 

Exhibit Index

 

Exhibit No. Description
   
EX-101.INS XBRL Instance Document
EX-101.SCH XBRL Taxonomy Extension Schema Document
EX-101.CAL XBRL Taxonomy Extension Calculation Linkbase
EX-101.DEF XBRL Taxonomy Extension Definition Linkbase
EX-101.LAB XBRL Taxonomy Extension Labels Linkbase
EX-101.PRE XBRL Taxonomy Extension Presentation Linkbase

 

 GRAPHIC 2 aflogoletterhead.jpg GRAPHIC begin 644 aflogoletterhead.jpg M_]C_X``02D9)1@`!`@$`>`!X``#_X0GE17AI9@``24DJ``@````'`!(!`P`! M`````0```!H!!0`!````8@```!L!!0`!````:@```"@!`P`!`````@```#$! M`@`>````<@```#(!`@`4````D````&F'!``!````I````-````"`3Q(`$"<` M`(!/$@`0)P``061O8F4@4&AO=&]S:&]P($-3-"!-86-I;G1O`0``&P$%``$` M```F`0``*`$#``$````"`````0($``$````N`0```@($``$```"O"``````` M`$@````!````2`````$```#_V/_@`!!*1DE&``$"``!(`$@``/_M``Q!9&]B M95]#30`"_^X`#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\, M#`\5&!,3%1,3&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P, M#`$-"PL-#@T0#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P, M#`P,#`P,#`P,#`P,#`P,#`P,#`P,_\``$0@`&P"@`P$B``(1`0,1`?_=``0` M"O_$`3\```$%`0$!`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$` M`````````0`"`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$% M05%A$R)Q@3(&%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D M1<*C=#87TE7B9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F M]C='5V=WAY>GM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B M$P4R@9$4H;%"(\%2T?`S)&+A7U5F9VAI:FML;6YO8G-T=7 M9W>'EZ>WQ__:``P#`0`"$0,1`#\`](_;?19C[?C2-(]:O_R:\H^JO0^E]6;D MCJ.>.G^AZ?I2ZMN_?ZF_^?\`]'Z;/H*W]3_JKT[ZPY'4&YC[:ABEFST=@GU# M=NW^I7;_`*+\U`^J/0NB]:^U?M;+=B>AZ?H[;*Z]V_U/4_I#+-VWTV?05V,8 MXQD`D;'#9K\FC.^OR:,=K'7O%8L>RIA/= M]A].MG]M[D5[]."74:UM\5$UO!+9L>RBROJC<=U)8OVWJW[;/2?4IAV M,,KU_3(+/>ZEU3:_4GM_T/O_G$E/2H;[Z665U/L:VVV?282`YVT;G^FWZ3 M]C?I+"MZWUAF-@N?0RB_(S?L5C;6.#7-._9F4-]06,8^NOU/1M_XI3MOS:.J M=)KZDS$NNL.5^G96[=6UC'/8_'?8YSJ7W4>FW*24[R2Q.E]1ZQU&C"ZC4RG[ M)EO<;*72UU=$6>A8VSW>KD.C4+;&U5NL=N+6B3M:7'Y,K#GN6!= MU?JXHZU:QU#1T?<:I8XFS92W*V6M]7V-]VS?7_X'L_2[F+=]HQ:LB-OJUM?M MYC<`Z$E-,?6'I)Q?M@N<<7_N0*K37`.PGUA7Z?TOY2TER?U7.=9T/IF**6.P M;_M#+["2XD'[1M9;3L;LK=9^?Z_\C_#*Q7]8>H'HN#U#;2++\P8EK-KMNPWN MQ=[/TFYC_39_PB2GI$EANZCU2SJG4L&I]-=6#57:RPL]K'-]1K'-_1 M_3_]65BZ?U[-ZH[I^-4&8]V5@C.R;"TO:T$MJ950S_])]"MG_">I6E M.SAY^)G-L=C/WBFPU6@AS2VQH!?6]E@:YKV[DK\[%HOJHM?MMN,5M@F3QJYH MVL_MKF<+J.3T["ZE?M+IZO:S*MK8ZP5,+6>ID-H;[W-W-8W_`(+U/4_2^G[] MKICL;JF/5GO?3EN8YWHY%.YK2T.FO?6YQVVL_/KL_F[4E/\`_]"[_BXZC@8. M1U8YN53B^H:O3]:QM>[:S_`(/_`*:O$7.1C*<3IQ"(_P`5SXR(QP$HPD/5PF1_QGHOJ?\` M5?!^L-V=7E76UMQ/3],U;-0]UK?=ZC+/]"WZ"]`^K?U4P_JZ[)=BW77?:A6' M^MLT]+U-NSTF5_2]97H:CYCW;EOP:,O+>U4:KW- M?-JXN)9CG(<;C8_)?ZFYS6C:=K:P&[-OL:RNOZ2S6?5>FOI5G26Y5WV5]HN` MAFYI#Q?Z=7LVMJ]9N[Z*W$E5;;G_`++/[4/5/7=ZYH^S;=K=FV?4W1]/?ZWO M^FJ^/]7*<:G$;3>_UNGOL?C7.#20+MWVBFUK0QME5F[_`(.S^;_2+8224Y>3 MT09(H-F39ZF/D#+WPWW6M;Z;-S8VLI97[/2KV?U_4]Z-E],;DY^)FNMZM7DDE.9B=$9B4LPZ[G_`&"IQ=5C:2`3ZC:3>/TCJ*G_ M`,VS^<_TEME:K8_U8;CU8-3,NTU]+?OQ&EK-&PYFR[V?I?T;]F_]$MQ))3E. MZ#6ZGJ5)R+-O5B3>0&RWI^^KM&,^C#9BLL,UL%;+2!,`; M6DM^A]%6$DE-'H_2V=*PF8-5K[::I]/U`W<-SG6.ES`S=[G_`+JI?\V*OLM> M&W*M;CX^1]JQV`,EK][LC;:YS7>M6VQ_L_\`1BVTDE.F[=[W_3<@8WU`````$``3A"24T$)@``````#@`````````````_@``` M.$))300-```````$````'CA"24T$&0``````!````!XX0DE-`_,```````D` M``````````$`.$))32<0```````*``$``````````3A"24T#]0``````2``O M9F8``0!L9F8`!@```````0`O9F8``0"AF9H`!@```````0`R`````0!:```` M!@```````0`U`````0`M````!@```````3A"24T#^```````<```________ M_____________________P/H`````/____________________________\# MZ`````#_____________________________`^@`````________________ M_____________P/H```X0DE-!`@``````!`````!```"0````D``````.$)) M300>```````$`````#A"24T$&@`````#00````8``````````````#(```$C M````!@!A`&8`;`!O`&<`;P````$``````````````````````````0`````` M```````!(P```#(``````````````````````0`````````````````````` M```0`````0```````&YU;&P````"````!F)O=6YD'1)D%L:6=N96YU;0````]%4VQI8V5(;W)Z06QI9VX````'9&5F875L=``` M``EV97)T06QI9VYE;G5M````#T53;&EC959E7!E96YU;0```!%%4VQI8V5"1T-O;&]R5'EP90````!. M;VYE````"71O<$]U='-E=&QO;F<`````````"FQE9G1/=71S971L;VYG```` M``````QB;W1T;VU/=71S971L;VYG``````````MR:6=H=$]U='-E=&QO;F<` M`````#A"24T$*```````#`````(_\````````#A"24T$$0```````0$`.$)) M3004```````$`````3A"24T$#``````(RP````$```"@````&P```>```#*@ M```(KP`8``'_V/_@`!!*1DE&``$"``!(`$@``/_M``Q!9&]B95]#30`"_^X` M#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3 M&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0 M#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P, M#`P,#`P,#`P,#`P,_\``$0@`&P"@`P$B``(1`0,1`?_=``0`"O_$`3\```$% M`0$!`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`" M`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(& M%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B M9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>G MM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%" M(\%2T?`S)&+A7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__: M``P#`0`"$0,1`#\`](_;?19C[?C2-(]:O_R:\H^JO0^E]6;DCJ.>.G^AZ?I2 MZMN_?ZF_^?\`]'Z;/H*W]3_JKT[ZPY'4&YC[:ABEFST=@GU#=NW^I7;_`*+\ MU`^J/0NB]:^U?M;+=B>AZ?H[;*Z]V_U/4_I#+-VWTV?05V,8XQD`D;'#9K\F MC.^OR:,=K'7O%8L>RIA/=]A].MG]M[D5< MW];6G-IMQ:G.;=AUC*IVM>[]."74:UM\5$UO!+9L>RBROJC<=U)8OVWJW[;/2?4IAV,,KU_3(+/>ZE MU3:_4GM_T/O_G$E/2H;[Z665U/L:VVV?282`YVT;G^FWZ3]C?I+"MZWUAF M-@N?0RB_(S?L5C;6.#7-._9F4-]06,8^NOU/1M_XI3MOS:.J=)KZDS$NNL.5 M^G96[=6UC'/8_'?8YSJ7W4>FW*24[R2Q.E]1ZQU&C"ZC4RG[)EO<;*72UU=$ M6>A8VSW>KD.C4+;&U5NL=N+6B3M:7'Y,K#GN6!=U?JXHZU:QU#1 MT?<:I8XFS92W*V6M]7V-]VS?7_X'L_2[F+=]HQ:LB-OJUM?MYC<`Z$E-,?6' MI)Q?M@N<<7_N0*K37`.PGUA7Z?TOY2TER?U7.=9T/IF**6.P;_M#+["2XD'[ M1M9;3L;LK=9^?Z_\C_#*Q7]8>H'HN#U#;2++\P8EK-KMNPWNQ=[/TFYC_39_ MPB2GI$EANZCU2SJG4L&I]-=6#57:RPL]K'-]1K'-_1_3_]65BZ?U[- MZH[I^-4&8]V5@C.R;"TO:T$MJ950S_])]"MG_">I6E.SAY^)G-L=C/ MWBFPU6@AS2VQH!?6]E@:YKV[DK\[%HOJHM?MMN,5M@F3QJYHVL_MKF<+J.3T M["ZE?M+IZO:S*MK8ZP5,+6>ID-H;[W-W-8W_`(+U/4_2^G[]KICL;JF/5GO? M3EN8YWHY%.YK2T.FO?6YQVVL_/KL_F[4E/\`_]"[_BXZC@8.1U8YN53B^H:O M3]:QM>[:S_ M`(/_`*:O$7.1C*<3IQ"(_P`5SXR(QP$HPD/5PF1_QGHOJ?\`5?!^L-V=7E76 MUMQ/3],U;-0]UK?=ZC+/]"WZ"]`^K?U4P_JZ[)=BW77?:A6'^MLT]+U-NSTF M5_2]97H:CYCW;EOP:,O+>U4:KW-?-JXN)9CG(<; MC8_)?ZFYS6C:=K:P&[-OL:RNOZ2S6?5>FOI5G26Y5WV5]HN`AFYI#Q?Z=7LV MMJ]9N[Z*W$E5;;G_`++/[4/5/7=ZYH^S;=K=FV?4W1]/?ZWO^FJ^/]7*<:G$ M;3>_UNGOL?C7.#20+MWVBFUK0QME5F[_`(.S^;_2+8224Y>3T09(H-F39ZF/ MD#+WPWW6M;Z;-S8VLI97[/2KV?U_4]Z-E],;DY^)FNMZM7DDE.9B=$9B4LPZ[G_`&"IQ=5C:2`3ZC:3>/TCJ*G_`,VS^<_TEME: MK8_U8;CU8-3,NTU]+?OQ&EK-&PYFR[V?I?T;]F_]$MQ))3E.Z#6ZGJ5)R+-O M5B3>0&RWI^^KM&,^C#9BLL,UL%;+2!,`;6DM^A]%6$DE- M'H_2V=*PF8-5K[::I]/U`W<-SG6.ES`S=[G_`+JI?\V*OLM>&W*M;CX^1]JQ MV`,EK][LC;:YS7>M6VQ_L_\`1BVTDE. MF[=[W_3<@8WU&UL;G,Z>&UP M34T](FAT='`Z+R]N&%P+S$N,"]M;2\B('AM;&YS.G-T M179T/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O&UP M.D-R96%T941A=&4](C(P,3`M,#0M,C94,3,Z,34Z-#,M,#&UP34TZ26YS M=&%N8V5)1#TB>&UP+FEI9#HR04)&.#E!0S,V,C8V.#$Q0C%!-$(R.3E$-D5! M-4$S0B(@>&UP34TZ1&]C=6UE;G1)1#TB>&UP+F1I9#HR.4)&.#E!0S,V,C8V M.#$Q0C%!-$(R.3E$-D5!-4$S0B(@>&UP34TZ3W)I9VEN86Q$;V-U;65N=$E$ M/2)X;7`N9&ED.C(Y0D8X.4%#,S8R-C8X,3%",4$T0C(Y.40V14$U03-"(B!E M>&EF.E!I>&5L6$1I;65N&EF.E!I>&5L641I;65N&UP34TZ2&ES=&]R>3X@/')D9CI397$^(#QR M9&8Z;&D@&UP;65T M83X@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@ M("`@("`@("`@("`@("`@("`@("`@("`@("`\/WAP86-K970@96YD/2)W(C\^ M_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$! M`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$! M`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,# M`P,#`P,#`P,#`P,#`P,#_\``$0@`,@$C`P$1``(1`0,1`?_=``0`)?_$`:(` M```&`@,!``````````````<(!@4$"0,*`@$`"P$```8#`0$!```````````` M!@4$`P<""`$)``H+$``"`0,$`0,#`@,#`P(&"74!`@,$$042!B$'$R(`"#$4 M03(C%0E10A9A)#,74G&!&&*1)4.AL?`F-'(*&<'1-2?A4S:"\9*B1%1S148W M1V,H5597&K+"TN+R9(-TDX1EH[/#T^,I.&;S=2HY.DA)2EA96F=H:6IV=WAY M>H6&AXB)BI25EI>8F9JDI::GJ*FJM+6VM[BYNL3%QL?(R'EZ>WQ]?G]TA8:'B(F*BXR-CH^#E)66EYB9FIN5!_EJ_,0D*=/3^5/ MJ%['^)8H`C_6/L=^VBQ2<\;#',A:,N]0`#PBD(XXXBO4=>[$[VW(',5Q&JZU MC05/$:I8UJ"*4.?7KYP'2W2G;/R'[!QG5?2NR(VMAS1)D*^F MPM#4Y7*3Q&OJZ&E\=#CJ621AK'`X_/O-+<=VVC8K-MQN&2*WP*L449('$E1Y M^O7/O:=GW/F;N)_DZ?S-`"3\0>S@`+EON-J$#D?4?WB!/%_=![B\F$T&\P_\` M.:#_`*V]>;VJ]P%%3LMS_P`X;G_K3T5_Y#_$;Y(_%&LVQ0?(?J?<_55=O.GR MM7M>#<,F*D;+T^#EH(LK+2MB\ED%TTH:@!1L._;3S$;@[/=V MDPAIKU,CZ===--#-2NEN-*TQ6AZ"^]\N\P(O.1"B+%LGP5IY\/G_L=9B_=R[N3KFXDTZC<-G\V]?\`/ULA1_D_@VM_ M7\^X9B-8D/V_X>I_#,S,3\.*=9/=^K=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7 MO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z M]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O M?NO=>]^Z]U__T-A3+?\`"C#^77A2_:OF/9>:=JW.ZN[06\1X'O=R;S'R?O^RV-M?"ZF6()J6``D2QN75:J[QU^GANK8PP%@?6/ M[RJ1]3;D^\<8O8[G22XG1)K5B:4S.:8S_P`1^LK'^\5R)XJ1FUW!QG*K;E?R M/U/1QOA=_-8^*_SVW_NCK?H6;L.;<.T-I/O3,+O#:"[ZCP3RO M\9ZW*WO8W']#]/S_`(3!#5\#NX@?^\N-[<_G_F370_Y_V'L%^^,8@YQ&DDUM MHSGYD]2#]W2DO(LRD`#ZAN&/Q-UL@?HM:YO86)^@'^IL/K;\?GW#(&G2HX9Z MR!'PJ/3HCGRM^:>`^,?9WQCZ[RD&*J9.\>QWV]N2KKY9H1MG9@B@P2[ACEBJ M$CHI/[X[BQ9,LZS0FA@K$">33+$ZJU%>O='G!O?_`'C\$C^MCR.>.?Z>ZD4Z M]UW[UU[KWOW7NO>_=>Z][]U[KWOW7NO>ZL2*4'7NN))%K"][\?3Z?T_%_>Q4 MC/'KW11:_P";'2^,^5F.^'-6=UKVWE,0N5IJB/!P/M%7?;%5O%,7-EAD_OUR M+;>HVGNM&U*"0AF$A*#?7NC=*21_=>ZY>_=>Z][ M]U[KWOW7NO>_=>Z][]U[KBVK@*0"?ZJ3P"+_`$*_C_>_\+'W7NJ>_EG_`#"O MD%\4^WMA=6YSIWIO*[&WO:EQ55N:/;N(EW9'5;`HVH,@[5, M;3I2I50J=6B1O;B(&#$^5.JL:4Z-GN'=OS[Q&%K\GBNG_B[NFNI())Z?`8CN M?LJFR>2:)`WVE%/F^HL3AA6RD,%6>K@BU6!D`)84(H2!PZ\I)KTOOB1WGG_D M5T;MSLW=NSEZ]WA5YO?6V]V;&6IJJQMK9W9.^MQ[0JL5-4UE-25$M4(L)'+* M&C0QR2M&0&1@-LM.K=&5]UZ]U[W[KW7O?NO=>]^Z]TD-]S[ZI]K9.3K3'[3R MF]Q]G_!*#?&7RV"VO.?OZ49'^*93!8?/Y:E$>)\[0^&CFUU(C1]$;-(FQ2N> M'6C@=$:_EV_-_._-[9G8NZ<[L'#[!EV1N?%8&FI,/G:S.Q9*')8N3(FLDEK* M#'R0F-T\8`7DAOP`6NZ!0I'G7JB,69P?*G5B1-K?[[@?7GZ#VWTYU7;\H?EU MV;U)V!C]G=>[8V95T4%=MC#93(;MQ^[DDKZAJ=DC,(:;W7NA#_P!FYJ/L?OO]'1\?^RQ_[,!H_O91^3^- M?WB_NY_<'1_#/^`?W7K_`(U?P^+U?;_CW[KW7__1I=K-JU.^N\)MDX^>"AK= MX=K5&UJ2JFCDJ)XX1K\$$U6KR:1J**;<^^B,Q&V;7)*D;R1I& M#0#5P`\L#KE3:VIW??9;<3JC2S$*6-,LU!FA]?('JZSY._\`">[OOXO]`]H_ M(+_3NY,#U5MF?=>2P>"QV\8C@G)J!Q)(4-K<^X MOV#WBV3>]SVS9TVF99W9EU>%&/(GCXS'@/X>IJWOV#YAY>VJ7?9MQLVM(DU. M&DD.#0#!MU7B?-AFG55GPF^).ZOFY\A]J?'/9.ZL)LO/[OQ&YLG19_=4>1J< M32Q[4VU6;EJ8ZJ/#0U-=(\T&/=(O&I5)2"UAP1YSCS):IP2 M"/82Y.]U]MYLWS;MIABDMIPDI+$+&'HI(%1,Y9@!4`CA7H>\[>RN]\C[#^_; MK<+5H`ZJ=+R$C4P`KJ@C'$C\71K/^$OR@?+KOS@FWQYGOQ?4O^D?9++H8<-8 ME2;'ZCV$_?LB#9=G=YS)6X;.K5^$5_P]"O[MHFDYNW@K(OA_3K6A-#35C_B^ MA?\`^%4'&_?ADOX&S^Z3?BY)R_6WU:UVX`^OM#[`%_IN<$_T(&U('H29ZXX> M0X?GT:?>B=6W+E8!3J$=Q4^7Q0X'V4_*O1[O^$P'_9"'_'_*XK_P`\D?\`A/4@_=O_`.5'G_YZ6_X\W6Q^YL`>0/4+C\<$\_TO:U_K MSQ[A8_$O60(X=:SW\TGJ[,=[[*[?^7F*^_FQO2G]S1AZ<.O=`#\C M?YBM-\7>X]C]7=F=-9V3&=A5DC[9W5M/&R:?8&/PHLM\E]N_&N+<7QRQLV*J:+<.:[-DVOV;N7:&8S=%@<;V'A.N(MAY^ MCCVGF*G(15&/6JS$&0JT,7NRA^YI$.X:J3-&.GQNUJ;&15#I4;JJLK,M"($E:G%4&)G$"M,/ M:#6E<]>U#HKF8_F"[ZZ]Z\ZU[^[D^.C[&^._:5?MZ#%[JPW9=)N_L+:&+WA3 M25VT]Q;]V!'M/#T&-Q69Q\8F*T68KZFGUI#)']RZ0M[0>%>O:AT*'RZ^;!^* M>PMO=N'K,=G=5;CDVW0T&Z]M[[Q6.J:K+;HILSDL9#08FIQ5;'78B;$8R.H6 MN2JTL)[>/2I?W[0?45Z]J'1?D_F@Y>KWK\9X*/XT[P?JWY-YFDP6S-[S;CMN M0S-7;?PF6S<&QJ;;53)4;7QV?W`(8)JBMI)\A2TTM7'"D1@\VBI7KVH>G2YP M'R;V;7?/7"]#;U^,VW-L]\56Q\KD*3MNES&U-SY6BVK3[>RV>IL5!GX]KXW< M`@KZ''LC4_W$4,3RLI5A=WT!6O6PP/0P]H_+Z+`]XX[XO=+;'7N+OJ;!/NC< M^'J=T)L[9/66U4IZ&:+/]A[M_A.Y:Z@-5'E*5H:2EQ]553"IAOI\T)?>@TKU MOI+=&?.>E[#^1_87Q,[(V/C=B=S["QBY@':&[ZSL#8F?ITHL1D\ACZ'<61VA ML;*TNXVVGNK-]@]PU76];F\XC5D%]H[=Q'7'8%?4;?J:_%UE/2Y6O>@HZMJ M:1HF9$8CV@C)(ZUJ'2]^)OS0VK\O.MMX[KV)M?(83?'7^0J-O[MZZSN4H3)0 M;E6BGJ<=2T^XZ))J.IPV8J*:6*"M:"-@T$FN%+"^BA%.M@UZ`/;?\S"7<'>V M_OC/'\>]U2=U[0>;&8C:^&WCBLWC-R;BIGHY:ZDJ=S?P;'8O;&!Q&(J9:ZKR ME5JBCBIFBCCEJ)88GWH/&HZWTN,#\YMS;<^5VUOB/W_U'A.O=[=@[4BW7L+= M.PNQJWL?:.8BJ&S\5+B\E+E]@]>Y+$5554[4R-/%+X9T:KBCB*JLHE%2*=>Z ML1/K-FL=)6_Y`:\;S,--4U=3*2(H888TU.[6"A;L54$A^+X9/RZH_EU:;7?.GJ M3=_R.^-W1727:&QNR*OL;/=B5'8+;2R%'NFCQ6T=I]3;XW+0:-P8NMFH:'*U M6[<51*L2-.[01S*XCNC%EN)'7E\^D/A/ESM[I_Y<8+X8R]%5NT,WVYN'=W9$ M6Y\;V"FY<#45&[I]Y;KRFYJC'U.-CJ,?7;ER^!JJB>AAD2.&:IU"Y9O;C*6I M3JW2F^4WSRK/BEV1UAL?>?3-=F<1W%N6IV[L;=6%WQC'>H_AM9M&@S%?E=OR M885..CHZK>5-XH_.[5`CD`*6!-`I/`];Z4OS9^:55\+-N8#?6>ZGJM\[#S^= MQ6T(&VG)+]XM0=4LHB$1(+>_!2?/ MK1-.@XWC\[>UZ'HS(_*#8WQIAS/1&%PF*W)-EM[]H/L+?>Y\!5U5#2Y#/;,V M4FPMQPU&WX'JV-'4Y.OQM1D8(_N(:;PR1&3>@\*BO6M0Z'_;?S,Z=S'Q5QGR M_P`ODJG;/5=;MJ7.U0R,(FS-%DJ3,U>UJW:L-+2/+#D\XN[:&3'4X@D*U4^G M39&#>ZD$&AZV#7H)]K_+GOC MX]NR_#'^?34?QR?ET?3'_-7N_.],S?)O;_Q>H<[T&V)SFZL>,?W!3OW-5;(P MLU>AW8^P#L.3::%H*`U4N/3R-W;2R M%-F=S;!PU-6/@]X[PVI5UFV\W2P9W^Z6Y*S9>;VT-WX.BJJZ713Y!*BG1YIS M&B>:0-[KW0G_`.BWK?\`YX+9EO[C?Z,;?W6P/_,MO^??W_A]_P"Y-^?X5_P` M_'BMQ[]U[K__TJD^N^?EUL@&W/R-VV+$*P'_`!DVD)(5PRWXM>W`)_//OH9> ML6V4LTC#5%D`XX>77+3;%KS'MB*H7_&%R,$]U,G^?V]?0_\`YNBC_AM7YB-< MZO\`0]DV!X])_B6+((XN-/X]X3^VB:N>^7B7D*M,^`<"D;T_*O'KH%[M&1/; M/F8H_\`&[0PV]\9-MC$ M92FP^0KWW9M;*;:A>*OJZ:KA1*6?)+*RE?4$_P`/>8W.W*%[SALU]L4+6T49 M\,B1E8O565LD`@U*D8I@]8+>W7-,?)/,VW[_`#6QE2,."H`.&1D/%DX5J,\0 M.K4?YF/\\C8OST^+V6^/VWN@]V=>9#);PVANE-RYS=N%SE##'MBO>IEI)L=1 MXFCGUU:2$(ZN`"GN+?;[VEW?EKF6TW>ZO;6165U"DN0O:02-48H:5\_/J5O< MKWHV[G?EB[V.WVV>$NR$,Z*M=+JW81,^05H<'!H:5Z(Q_*A_F%;>_ER]T=A= MH;CZVS/:--OCK6;8-/B,#N"BPM3CIO[T8;<'WU34Y"BKHYZ>./"O'XU52"ZF M_!N-O<[D.ZYMMMIVVSOK8(CNU22U<#':I_U#H!^U7N!8\@7>X;G>6EC_-K_F;;7_F4[CZ0S>VNJ-P]7Q]2X7?6+JX,WN'';A?,G=U M=MFI@GIWQ]!0K1_9';SHZN&+%P1:WM+[7XUE[@_N::TM'A:U$M?$"J7\4Q<"LCUIH\Z4J>-<;%_\` MPF"LOP/[AYL?]FXWOPW!L.FNAN2/]C_L?<&^^DC2!V'A45WMJS>\A9=D9G8N9VGF15?'S>M;N">?="UE?G=P2[B7Y`P4=3N:;<.4J,@:Y: M!8VK'\W@7B(6!`/#'5-1Z(U_(][4S&TMQ?('XC[U;['-[9SU3OC"X>:0_<46 M9PU9#L+LS%([%XV^UKF_EJ=NTU-# M!%31=9]=Q4\$482%*=-U;&BCIXHE0B.-8=*+87"V_I[W^+JO52?S#&9/\GGX M0&B%4^$&ZMK_`,=%*C+`7_NQV4<=!5JB"84IF6550C[8S:+IJ$.G3,5..K`5 MZM2E^#E5\@_CILC879_RE^0&>Z_W!LCKW)5NS8:+H7&8V`T&*P^;QE)2Y"@Z M4AS,=-BJB*+PEZMW81J)7D&K576?0=;TCHH7\S+;^QMH_P`KSIW:?6F[Q=@[1VQNS,2QUV2S&+VQB>P,`OW$U'08VGG2E>C>F0PP10K#$/'Z+$NQ M=[-7TZ]I'5PWQAHJ6B^-/Q\HJ6GB@I:7H[JBECIHPH@BC786WXQ`%56C*!2. M0"#;GVTS&I'7M(ZJCSAO_/8V<;VT]*U(]3*"=/5V[CI4ZS=%U7"V)!9B`/4? M?EX-^76P*'I'?RVY\G5_S)_Y@%;O'S#>2YC?M)#'4?<,T&(C[=EB6FHM4DD4 MF*HZ"CQT5.0S`TZ0Z&(-A=LCKW5PNZF^/G3V\Y^U-PX38.SNR-^XK/XZJWK! MMS'T^]-TXG96S:_>^X*"KS^/QPR>8I,#M/9$M9*LTVA8J&-02Z0(="IQY=5; MRZJ\^"N0W)\D,-3#0T.,J(/-631J3;[@W)I0'CU7I!_R+!*M/\O8YZE: MJI7L'8Z35)6.'[EA!OM9)UB75X(I7((4(PNX.D=P[TR(J(L#3RY3<&"W MIUENW8-1ML9:&KI'Q]%3Y+<5-DBSBI#-1>)44R^14Y9BV1CK8`'51'?O/\\7 MXQ6:S#K7&*MAJ"N-N=TG]"ZPPT*RDV!4FVG@,5-`$4^M>M5R1U@_G15,$GZ^ZJ*=;Z$W^ M>^+?$7K@*#S\D=I*JKK7Z=7]P%BK*+HH1+DJ!Q<`\GWY.)KQIU5O+HQGRT58 MOY7>_P!8XPJI\;-J:(U"(@1<+MM1&BHA7F,$(JCC@#3Q;0/?3JO5*G=4N?B_ MDD?#Z/'&88BH[UWK#N%HDD+/IWO\A9L3#6I]&H&R,(+"12BU"PG]2B^RH8FI MZV#3K9B^/+8]_CQT<*%7.*EZ:ZS^SBR,L4]2*`[)PJT\59(HD2HG,)'D^P!\+OG!#VMDZK$]:5HR.*W_F*2*K:NH-G97K?(XG M<.1@AHX,C6J\&*JY70QPSE`+Z&%PSCC5I!\NJKVEB//IIW3TA_,=_EK[:SV< MZNW[A>\_B]MZ*NK\[M;)4<6?P-%M"HJY9LE_>#K[/A\QMO&5B5;RU[;;KYH" MKR3SR@-*RT"*?,]6U'J_KXO]J8CNSX_]3=HX+;]-M3&;OV5AZZ';%$BQT&W9 MJ6-\76X''B."FB;'X:MH)*:G98X]4$:'0H('NC``XZV#7H>O=>K=?__3J2Z[ M(_V;S8Q)`_YR.VW];<_\9-IN.2+7_KS[Z#W=7V1%`/\`9?Y.N7.VT3F?:Q^$ M7"_\>Z^FQ\J^A:#Y1_'GM7X^93<%7M7&]K[3J=JUVXHGIJAJND MI*EXZ>HE0TP&ER!S[P+V'>)N7-VV_=(RGBPLQ&HFAJI7R*GS]>ND?,VRMS1R MY>[*CJL4ZJ&)/D&5L=K"M5\U/6NC'_PEIZCY+?+#LH#/W:MD>[\*7>[E4`_!)&.(KC_`!<_ MX.J__P"9E_(VZ_\`@5\7W8=PNIRLB*H+HP!:103B%*"A\B,@<>B+?RH/Y>FV_YBWRY="_I7\" MYX^I^L0_Z_O,?U!D3;;8$>5):9%/]^]3C']VW8=*)+O$[$UIWQGA]MOU=3_+ M>^`NW/Y=?2>Z^EMM=B9WLBBW5VEFNT9L]G\-CL)5T55F-I[+VBV+CI.=9&*LS5#+;T^XMYKYGO>:]T;<[R)5F*A:+JI0$G\3,?/UZF7D/D>Q MY,V,;?:SLR:RV2O$GY(@_ET*7R)^.N_N^6SNQL?M3']> M;>W+#DMY;'RAS&!R&9R68R$$^0QM#E8H*A:)4C031*[EB(]`6&A&=D-2:5_+ MH>L2793P%*=&,Q^*W33;/7"Y'=%/D=WG$55++N^/`T^/I9,O/#.D&8&W(JR: MEBCBJ9$8TPJ`)-!]0N3[KJ%=/GUZ@].JS-N_RRLOM#Y+9/Y8;;^1N3Q/:>9R MN>S652FZKP0VM7UFZ,1+BL_]SMU]Q2,T>3%3)4R)Y-0JV,JLM@ONY-0.M4Z$ M?NKX(;G[O[RZQ[ZS/?M3BMS=-Y2/(==8ZBZOPW=M7MS;NTZC&YL4V"V#AIJ[ M(;SI,7D<-7YV2OJ,ZA@HJZDR1(H%0K"ZBTC`E?>@2.!Z]TM^Y_BWOGO#H'_0 M'N;N]:/"9:@?$[RS>/ZTQGW^X,10Y;"Y7;%/14LNX1#@9\/_``?1*X-0:H2\ MZ"@)]4^O6J#TZ;MG_"+;L'QBK/B9VON]^U>K!M[';;VV6VS1;3W!MN#%U%3D M*++4V5HLAD14YVDRIIJF"5HTBC>`J\$NS*"`8ZDVW_`*59=YY7"8VII,(B4JY>DVS! MDT10\<\<]IA[KW3=\G_@CC?D9U;L_HK%]@GJCIS9<6UI,)L[;NRJ+,U5+D=I M4&;Q&*GCSV3R]/4)1?P?)1PO`\4CEH0S2$N1[<1].KKW1G^D>N=S=3]?X78. M?WTF^Z7:6)PFWMKU\>UJ3:M10;:V[@J'!XV@K*2@R.1BR%4J4&MI;QB1FX4# M@-%JM3SZ]T3NO^!>\ZWY/4WRT;Y%RQ]J8W;L^V:%3U7A6V_#A),7781:>?'? MWG$]0ZX^OF7RF8$N58J;6][KU[H2.POAM'5=]'Y0]&=@'I;NO*;>FVKOBIJ- MI4N^MA=E;?9,:L5+O3:39?;-;_$(9<-1?Y5096BDTTD;$-(NL[J?7KW2SV[\ M<,KFMRUV^_D+O^/NG=,NTMP[&P>&HMJ1[$ZVV7MG>-#'0[S@VOL],WN:O;-; MNIZ=:>LR>1RM?5"B400&")Y5D\&(X=>I7HKO1'\O7M+XQTF^=B=(_+/+[2Z< MWQGY]ROMNLZHVYG-_8#(STE!BJNJV]OFOSS8>FR55A<=2T[ULV"J?^`T3>(N M"QMK)\AUJ@Z47Q@_E_9OXA[Q[-R/5'?V2FZ][+JI:^KV5NWKS'Y_.T&1I<5N M"EVQ7?W[7(S&,?)XG*5=%B3%N)I<-+5-B88UJ?\H:/4?3 M_353Z];ZA=K_``$SW:OR=V;\J*[OVMP^^>M(8,;L+%4O6V&J\/BMO8W.[JSN M%QV6A;<4<^>J:23==3%)4?Y.TP1;*I!U;!P1U[JQ'&05U-C*"ERMO=5J?)C^73D/E)VIL M_M/>O?>1Q=;USEJB?86*Q'7F'^TQ..7D$\7#E0`.JGB.K#MCXC=N&PBT.]MX4N]LZE3+))FZ/;5)M.%Z:32:>E_@U) MD4%N6ZFM?/KU!Z=(;KW^7]L_`_%;*_#WL?>=5V;U%) M3U$6UU.W,?M;66E:6!8TCA:&9)XII5 M+A?S`Z]0=<]D_$KO/:76F"Z$KOE3+D.CL#AAM,)0]5TF"[@J=@(9JS]EC M>V1P>/HH-ONN/6OI,!!DHZ<#PS12(DJUUGC05Z]0=!-TQ_+$BZ2Z8[WZ-V]W MKEZ[9O?6UG0LY?XE=[9[K'(?'[(_*V>IZ0R.`EV77O+U-CY.ZZGKZIH3AZK95=V M74[NEVM6)58`FEFR4NUFR%1'(SR/K;6=5/&N>O4'IT=#K?K_`&IU3L3:?6VQ M<6F&V?LC`XW;6W<:KR2M2XO%4R4U,LU3,6GK:J14US5$C/+43,TDC,[,QU4G MB>M]+?W[KW7_U*48VMV75[CQGW48J*:+*87=G0/;2&4FQ!L1T7MTM+NVVNT#L$EC;54K446N./\P>N4GU4]M?VU\4 M'U"/J`H:5!K3UIZY'V]7,R?\*.OYCA)!R'2!'.G3UDR@`FX6Z[I!8)]!>Y_J M3[B>'V&Y2*L+B:Z>O`L\=1ZT_1`_EU,TGWB.?Y8X=%K8Q4K\"7"UXNA_PH]_F/#_EX](WL`3_HO`)/T+$C<_U(^MK#VY_K"\G`42ZNU'RDC_ZT M].G[Q?/IJ?H-LU^OAW%?V_4=%F^6G\X;YA_-3IROZ0[JK.LYMC5F=P6XIX]L M;*&#RYR.!J7J<>T>1?.5Y2(2.=:Z+L#P1[/>7O:W8>4MR3>]LOIOJT4@"61" MI#`J<+$AX&N#QIT&M^]W.:.<-N3E[?(K?]WNU28UE#U7N&7E9>('%>'SSU8O M_P`)?3_SEUW]8ER?CM+J(9B&8]D;)87"MX=9`/ULQ%[?GV"/O#BFW[)9+9Z[T+P/P#<"PL"#<$`@BX87']"/?M(KJ\^O=>T+:W/\`L"0186X(L1_L M/=NO==E%/U`/TO\`X@$D*;6NHO\`0^_=>Z]H'!NU_P"NH\\@FX_3^/Z<_=>Z[M?_`'PN!^0#;@?[S[]U[KK0+WY_Q_QM M]`3^I@.?J?S[]U[KVA3>XO>^JX!#`BUF!%OI;_;#W[KW76@#\F_];W(N`.+_ M`*1Q]!8>ZA0#6IKU[KO0+6%UM^FU@%_UEMIN+_D'W;KW7@BBW%[6L3R1:]N3 MT@?[$W-K"YN.20`3P`/];W[KW76@_=>ZZT"][D?3CBP`(-@MK?4?7ZBYL? M?NO=>T"P')L+\8M:Y'U/ILO)8,6X`Y+"Y_K?F_OW7N MN](_Q^A'U_K_`(_7W[TZ]3SZ[``^@L+6L/IQ?Z#Z?GW[KW7BH/\`R('BXN.0 M>#;W[KW7$HI()N;?3DCBUK&UBRG^AO<_ZP]^Z]UWI'/)-[WN?Z_@?T`']/?N MO=>T#\7``M8&PM>_%OI_L/K[U3-:GKW7M(O>YOR.;?0DDCZ?0\7_`*V'O?7N MO:%XL+6-^`!S8B_TX)O^+>_=>Z]I'XXYOQ_4W)/^Q)_V/^W]^Z]UT$`M:]P+ M7-BW].6(+,?]<\V]^Z]UR`M_4_3D_P"`M[]U[KOW[KW7_]6K7?G_`!^^\_\` MLGK_`(^S<'^>_P`[_P`7*;]?^']/>7EO_:[7_P`K/\+?V?#X?P_+_)US_P#] M$B_Y5'S_`+3CY\>DB?\`RWCV:M\*?\K?Y]./_80?\J7^+A]O7'_TG?W3_P`> M[IG_`,'_,K?^9`S?\>/_P`7'_F8>RO^!7_3)_UTT^XM]V/[/;O^ M2KQ;_[=6Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_ M=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K MWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_= 1>Z][]U[KWOW7NO>_=>Z__]D_ ` end EX-101.INS 3 ck0001380175-20121031.xml XBRL INSTANCE FILE 485BPOS 2012-10-31 0001380175 2013-01-01 American Funds Target Date Retirement Series false 2012-12-31 2013-01-01 <tt>The fund pays transaction costs, such as commissions, when it buys and sells <br />securities (or "turns over" its portfolio). A higher portfolio turnover rate <br />may indicate higher transaction costs and may result in higher taxes when fund <br />shares are held in a taxable account. These costs, which are not reflected in <br />annual fund operating expenses or in the example, affect the fund's investment <br />results. During the most recent fiscal year, the fund's portfolio turnover rate <br />was 10% of the average value of its portfolio.</tt> <div style="display:none">~ http://www.americanfunds.com/role/ExpenseExample_S000027236Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/BarChartData_S000027236Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <tt>Depending on the proximity to its target date, the fund will seek to achieve the<br />following objectives to varying degrees: growth, income and conservation of<br />capital. The fund will increasingly emphasize income and conservation of capital<br />by investing a greater portion of its assets in bond, equity income and balanced<br />funds as it approaches and passes its target date. In this way, the fund seeks<br />to balance total return and stability over time.</tt> <tt>This example is intended to help you compare the cost of investing in<br />the fund with the cost of investing in other mutual funds.<br /> <br />The example assumes that you invest $10,000 in the fund for the time periods<br />indicated and then redeem all of your shares at the end of those periods. <br />The example also assumes that your investment has a 5% return each year and <br />that the fund's operating expenses remain the same.</tt> <tt>The fund will attempt to achieve its investment objectives by investing in a mix<br />of American Funds in different combinations and weightings. The underlying<br />American Funds represent a variety of fund categories such as growth funds,<br />growth-and-income funds, equity-income funds and a balanced fund and bond funds.<br />The fund categories represent differing investment objectives. For example,<br />growth funds seek long-term growth primarily through investing in both U.S.<br />stocks and stocks of issuers domiciled outside the U.S. Growth-and-income funds<br />seek long-term growth and income primarily through investments in stocks.<br />Equity-income and balanced funds generally strive for income and growth through<br />stocks and/or bond investments, while bond funds seek current income through<br />bond investments.<br />&#xA0;&#xA0;<br />The investment adviser may periodically rebalance or modify the asset mix of <br />the funds and change the underlying fund investments. According to its current<br />investment approach, the investment adviser will continue to manage the fund for<br />approximately thirty years after the fund reaches its target date. Thirty years<br />after its target date, the fund may be combined with other funds in a single<br />portfolio with an investment allocation that will not evolve beyond that which<br />is in effect at that time. <br /> <br />The following chart illustrates the current investment approach of the fund by<br />showing how its investment in the various fund categories will change over time.<br /> <br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;Current investment approach<br /><br />Growth funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;20%<br />Growth-and-income funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;35%<br />Equity-income and balanced funds&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;20%<br />Bond funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;25%<br /><br />Years to retirement&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;45&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;40&#xA0;&#xA0;&#xA0;35&#xA0;&#xA0;&#xA0;&#xA0;30&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;10<br /><br />Growth funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;0%<br />Growth-and-income funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;<br />Equity-income and balanced funds&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;40%<br />Bond funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;&#xA0;55%&#xA0;&#xA0;&#xA0;60%&#xA0;&#xA0;&#xA0;60%<br /><br />Years to retirement&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;Retire&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;&#xA0;30&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;<br /><br />&#xA0;&#xA0;<br />The investment adviser anticipates that the fund will invest its assets within a<br />range that deviates no more than 10% above or below the investment approach set<br />forth above. For example, a 40% target allocation to growth funds is not<br />expected to be greater than 50% nor less than 30%. The investment adviser will<br />continuously monitor the fund and may make modifications to either the<br />investment approach or the underlying fund allocations that the investment<br />adviser believes could benefit shareholders.</tt> American Funds 2055 Target Date Retirement Fund® You may qualify for a Class A sales charge discount if you and your family invest, or agree to invest in the future, at least $25,000 in American Funds. Example Investment objectives Past investment results are not predictive of future investment results. The MSCI All Country World ex USA Index represents a portion of the equity securities in which certain underlying funds may invest. The Barclays U.S. Aggregate Index represents a portion of the fixed-income securities in which certain underlying funds may invest. You may lose money by investing in the fund. Principal risks Shareholder fees (fees paid directly from your investment) Although your actual costs may be higher or lower, based on these assumptions your costs would be: 0.10 Calendar year total returns for Class A shares (Results do not include a sales charge; if a sales charge were included, results would be lower.) (Results do not include a sales charge; if a sales charge were included, results would be lower.) Investment results 25000 The following bar chart shows the fund's investment results for its first full calendar year of operations, and the following table shows how the fund's average annual total returns for various periods compare with different broad measures of market results. <tt>Highest/Lowest quarterly results during this time period were:<br /><br />Highest&#xA0;&#xA0;8.07% (quarter ended December 31, 2011)<br />Lowest&#xA0;&#xA0;-14.26% (quarter ended September 30, 2011)<br /><br />The fund's total return for the nine months ended September 30, 2012, was<br />13.71%.</tt> Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment) Average annual total returns For the periods ended December 31, 2011 (with maximum sales charge): <tt>The following bar chart shows the fund's investment results for its first full<br />calendar year of operations, and the following table shows how the fund's<br />average annual total returns for various periods compare with different broad<br />measures of market results.</tt> Portfolio turnover <tt>This section describes the principal risks associated with the fund's principal<br />investment strategies. You may lose money by investing in the fund. The<br />likelihood of loss may be greater if you invest for a shorter period of time.<br />Investors in the fund should have a long-term perspective and be able to<br />tolerate potentially sharp declines in value.<br /> <br />Allocation risk - Investments in the fund are subject to risks related to the<br />investment adviser's allocation choices. The selection of the underlying funds<br />and the allocation of the fund's assets could cause the fund to lose value or<br />its results to lag relevant benchmarks or other funds with similar objectives.<br />For investors who are close to or in retirement, the fund's equity exposure <br />may result in investment volatility that could reduce an investor's available<br />retirement assets at a time when the investor has a need to withdraw funds. For<br />investors who are farther from retirement, there is a risk the fund may invest<br />too much in investments designed to ensure capital conservation and current<br />income, which may prevent the investor from meeting his or her retirement goals.<br /> <br />Fund structure - The fund invests in underlying funds and incurs expenses<br />related to the underlying funds. In addition, investors in the fund will incur<br />fees to pay for certain expenses related to the operations of the fund. An<br />investor holding the underlying funds directly and in the same proportions as<br />the fund would incur lower overall expenses but would not receive the benefit <br />of the portfolio management and other services provided by the fund.<br /> <br />Because the fund's investments consist of underlying funds, the fund's risks are<br />directly related to the risks of the underlying funds. For this reason, it is<br />important to understand the risks associated with investing in the underlying<br />funds.<br /> <br />Market conditions - The prices of, and the income generated by, the common<br />stocks, bonds and other securities held by the underlying funds may decline due<br />to market conditions and other factors, including those directly involving the<br />issuers of securities held by the underlying funds.<br /> <br />Investing in stocks - Investing in stocks may involve larger price swings and<br />greater potential for loss than other types of investments. As a result, the<br />value of the underlying funds may be subject to sharp, short-term declines in<br />value. Income provided by an underlying fund may be reduced by changes in the<br />dividend policies of, and the capital resources available at, the companies in<br />which the underlying fund invests. These risks will be more significant for the<br />fund in the years preceding its target date because a greater proportion of the<br />fund's assets will consist of underlying funds that primarily invest in stocks.<br /> <br />Investing in bonds - Rising interest rates will generally cause the prices of<br />bonds and other debt securities to fall. Longer maturity debt securities may be<br />subject to greater price fluctuations than shorter maturity debt securities. <br />In addition, falling interest rates may cause an issuer to redeem, call or<br />refinance a security before its stated maturity, which may result in the<br />underlying fund having to reinvest the proceeds in lower yielding securities.<br /> <br />Bonds and other debt securities are subject to credit risk, which is the<br />possibility that the credit strength of an issuer will weaken and/or an issuer<br />of a debt security will fail to make timely payments of principal or interest<br />and the security will go into default. Credit risk is gauged, in part, by the<br />credit ratings of the securities in which the underlying fund invests. However,<br />ratings are only the opinions of the rating agencies issuing them and are not<br />guarantees as to credit quality or an evaluation of market risk. These risks<br />will be more significant as the fund approaches and passes its target date<br />because a greater proportion of the fund's assets will consist of underlying<br />funds that primarily invest in bonds.<br /> <br />Investing in lower rated bonds - Lower rated bonds and other lower rated debt<br />securities generally have higher rates of interest and involve greater risk of<br />default or price declines due to changes in the issuer's creditworthiness than<br />those of higher quality debt securities. The market prices of these securities<br />may fluctuate more than the prices of higher quality debt securities and may<br />decline significantly in periods of general economic difficulty. These risks may<br />be increased with respect to investments in bonds rated Ba1 or BB+ or below by<br />Nationally Recognized Statistical Rating Organizations or unrated but determined<br />by the underlying fund's investment adviser to be of equivalent quality. Such<br />securities are considered speculative and are sometimes referred to as "junk<br />bonds." The value of the underlying funds may be similarly affected.<br /> <br />Investing outside the United States - Securities of issuers domiciled outside<br />the United States, or with significant operations outside the United States, may<br />lose value because of adverse political, social, economic or market developments<br />in the countries or regions in which the issuer operates. These securities may<br />also lose value due to changes in foreign currency exchange rates against the<br />U.S. dollar and/or currencies of other countries. Securities markets in certain<br />countries may be more volatile and/or less liquid than those in the United<br />States. Investments outside the United States may also be subject to different<br />settlement and accounting practices and different regulatory, legal and<br />reporting standards, and may be more difficult to value, than those in the<br />United States. The risks of investing outside the United States may be<br />heightened in connection with investments in emerging markets.<br /> <br />Management - The investment adviser to the fund and to the underlying funds<br />actively manages each underlying fund's investments. Consequently, the<br />underlying funds are subject to the risk that the methods and analyses employed<br />by the investment adviser in this process may not produce the desired results.<br />This could cause an underlying fund to lose value or its investment results to<br />lag relevant benchmarks or other funds with similar objectives.<br /> <br />Your investment in the fund is not a bank deposit and is not insured or<br />guaranteed by the Federal Deposit Insurance Corporation or any other<br />governmental agency, entity or person. You should consider how this fund <br />fits into your overall investment program.</tt> Fees and expenses of the fund Principal investment strategies americanfunds.com <tt>The following bar chart shows the fund's investment results for its first full<br />calendar year of operations, and the following table shows how the fund's<br />average annual total returns for various periods compare with different broad<br />measures of market results. This information provides some indication of the<br />risks of investing in the fund. The MSCI All Country World ex USA Index<br />represents a portion of the equity securities in which certain underlying funds<br />may invest. The Barclays U.S. Aggregate Index represents a portion of the<br />fixed-income securities in which certain underlying funds may invest. Past<br />investment results are not predictive of future investment results. Updated<br />information on the fund's investment results can be obtained by visiting<br />americanfunds.com.</tt> <tt>This table describes the fees and expenses that you may pay if you buy and hold<br />shares of the fund. You may qualify for a Class A sales charge discount if you<br />and your family invest, or agree to invest in the future, at least $25,000 in<br />American Funds. More information about these and other discounts is available<br />from your financial professional and in the "Sales charge reductions and<br />waivers" section on page 77 of the prospectus and on page 71 of the fund's<br />statement of additional information.</tt> <div style="display:none">~ http://www.americanfunds.com/role/OperatingExpensesData_S000027236Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/PerformanceTableData_S000027236Member column dei_LegalEntityAxis compact * column rr_PerformanceMeasureAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Your investment in the fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency, entity or person. <div style="display:none">~ http://www.americanfunds.com/role/ShareholderFeesData_S000027236Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Barclays U.S. Aggregate Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0784 0.0677 2010-02-01 MSCI All Country World ex USA Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) -0.1371 0.0029 2010-02-01 S&P 500 (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0209 0.1007 2010-02-01 RFKTX 0 0.0000 Share class R-6 49 197 -0.0020 828 359 -0.0229 0.0017 0.0010 2013-12-31 0.00 0.0000 0.0048 0.0068 0.0673 2010-02-01 0.0041 0.0000 REKTX 0 0.0000 Share class R-5 53 206 -0.0018 854 372 -0.0233 0.0019 0.0010 2013-12-31 0.00 0.0000 0.0052 0.0070 0.0669 2010-02-01 0.0041 0.0000 RDJTX 0 0.0000 Share class R-4 83 302 -0.0020 1218 538 -0.0271 0.0025 0.0010 2013-12-31 0.00 0.0025 0.0081 0.0101 0.0634 2010-02-01 0.0041 0.0000 RCMTX 0 0.0000 Share class R-3 117 406 -0.0019 1596 716 -0.0305 0.0033 0.0010 2013-12-31 0.00 0.0050 0.0115 0.0134 0.0599 2010-02-01 0.0041 0.0000 RBMTX 0 0.0000 Share class R-2 155 518 -0.0018 1994 906 -0.0333 0.0044 0.0010 2013-12-31 0.00 0.0075 0.0152 0.0170 0.0561 2010-02-01 0.0041 0.0000 RAMTX 0 0.0000 Share class R-1 163 547 -0.0020 2100 956 -0.0337 0.0029 0.0010 2013-12-31 0.00 0.0100 0.0160 0.0180 0.0558 2010-02-01 0.0041 0.0000 AAMTX 0 Lowest Highest 0.0575 2012-09-30 Share class A 651 2011-12-31 849 -0.1426 -0.0018 1681 1064 0.0807 -0.0819 0.0027 0.0010 2013-12-31 2011-09-30 The fund's total return for the nine months ended -0.0261 0.00 0.0019 0.0079 0.0097 0.0315 2010-02-01 0.1371 0.0041 0.0100 <tt>The fund pays transaction costs, such as commissions, when it buys and sells securities <br />(or "turns over" its portfolio). A higher portfolio turnover rate may indicate higher <br />transaction costs and may result in higher taxes when fund shares are held in a taxable <br />account. These costs, which are not reflected in annual fund operating expenses or in the <br />example, affect the fund's investment results. During the most recent fiscal year, the <br />fund's portfolio turnover rate was 3% of the average value of its portfolio.</tt> <div style="display:none">~ http://www.americanfunds.com/role/ExpenseExample_S000015563Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/BarChartData_S000015563Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <tt>Depending on the proximity to its target date, the fund will seek to achieve the<br />following objectives to varying degrees: growth, income and conservation of<br />capital. The fund will increasingly emphasize income and conservation of capital<br />by investing a greater portion of its assets in bond, equity income and balanced<br />funds as it approaches and passes its target date. In this way, the fund seeks<br />to balance total return and stability over time.</tt> <tt>This example is intended to help you compare the cost of investing in<br />the fund with the cost of investing in other mutual funds.<br /> <br />The example assumes that you invest $10,000 in the fund for the time periods<br />indicated and then redeem all of your shares at the end of those periods. The<br />example also assumes that your investment has a 5% return each year and that <br />the fund's operating expenses remain the same.</tt> <tt>The fund will attempt to achieve its investment objectives by investing in a <br />mix of American Funds in different combinations and weightings. The underlying<br />American Funds represent a variety of fund categories such as growth funds,<br />growth-and-income funds, equity-income funds and a balanced fund and bond funds.<br />The fund categories represent differing investment objectives. For example,<br />growth funds seek long-term growth primarily through investing in both U.S.<br />stocks and stocks of issuers domiciled outside the U.S. Growth-and-income funds<br />seek long-term growth and income primarily through investments in stocks.<br />Equity-income and balanced funds generally strive for income and growth through<br />stocks and/or bond investments, while bond funds seek current income through<br />bond investments.<br /> <br />The investment adviser may periodically rebalance or modify the asset mix of <br />the funds and change the underlying fund investments. According to its current<br />investment approach, the investment adviser will continue to manage the fund for<br />approximately thirty years after the fund reaches its target date. Thirty years<br />after its target date, the fund may be combined with other funds in a single<br />portfolio with an investment allocation that will not evolve beyond that which<br />is in effect at that time.<br />&#xA0;&#xA0;<br />The following chart illustrates the current investment approach of the fund by<br />showing how its investment in the various fund categories will change over time.<br /> <br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;Current investment approach<br /><br />Growth funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;0%<br />Growt-and-income funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;25%&#xA0;&#xA0;25%&#xA0;&#xA0;20%&#xA0;&#xA0;15%&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;<br />Equity-income and balanced funds 10%&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;25%&#xA0;&#xA0;30%&#xA0;&#xA0;30%&#xA0;&#xA0;35%&#xA0;&#xA0;35%&#xA0;&#xA0;35%&#xA0;&#xA0;40%<br />Bond funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;45%&#xA0;&#xA0;45%&#xA0;&#xA0;50%&#xA0;&#xA0;50%&#xA0;&#xA0;55%&#xA0;&#xA0;60%&#xA0;&#xA0;60%<br /><br />Years to retirement&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;40&#xA0;&#xA0;&#xA0;&#xA0;35&#xA0;&#xA0;&#xA0;&#xA0;30&#xA0;&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5&#xA0;&#xA0;Retire 5&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;30&#xA0;&#xA0;&#xA0;&#xA0;<br />&#xA0;&#xA0;<br />The investment adviser anticipates that the fund will invest its assets within a<br />range that deviates no more than 10% above or below the investment approach set<br />forth above. For example, a 40% target allocation to growth funds is not<br />expected to be greater than 50% nor less than 30%. The investment adviser will<br />continuously monitor the fund and may make modifications to either the<br />investment approach or the underlying fund allocations that the investment<br />adviser believes could benefit shareholders.</tt> American Funds 2050 Target Date Retirement Fund® You may qualify for a Class A sales charge discount if you and your family invest, or agree to invest in the future, at least $25,000 in American Funds. Example Investment objectives Past investment results are not predictive of future investment results. The MSCI All Country World ex USA Index represents a portion of the equity securities in which certain underlying funds may invest. The Barclays U.S. Aggregate Index represents a portion of the fixed-income securities in which certain underlying funds may invest. You may lose money by investing in the fund. Principal risks Shareholder fees (fees paid directly from your investment) Although your actual costs may be higher or lower, based on these assumptions your costs would be: 0.03 Calendar year total returns for Class A shares (Results do not include a sales charge; if a sales charge were included, results would be lower.) (Results do not include a sales charge; if a sales charge were included, results would be lower.) Investment results 25000 The following bar chart shows how the fund's investment results have varied from year to year, and the following table shows how the fund's average annual total returns for various periods compare with different broad measures of market results. <tt>Highest/Lowest quarterly results during this time period were:<br /><br />Highest&#xA0;&#xA0;&#xA0;16.86% (quarter ended June 30, 2009)<br />Lowest&#xA0;&#xA0;&#xA0;-19.54% (quarter ended December 31, 2008)<br /><br />The fund's total return for the nine months ended September 30, 2012, was<br />13.68%.</tt> Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment) Average annual total returns For the periods ended December 31, 2011 (with maximum sales charge): <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results.</tt> Portfolio turnover <tt>This section describes the principal risks associated with the fund's principal<br />investment strategies. You may lose money by investing in the fund. The<br />likelihood of loss may be greater if you invest for a shorter period of time.<br />Investors in the fund should have a long-term perspective and be able to<br />tolerate potentially sharp declines in value.<br /> <br />Allocation risk - Investments in the fund are subject to risks related to the<br />investment adviser's allocation choices. The selection of the underlying funds<br />and the allocation of the fund's assets could cause the fund to lose value or<br />its results to lag relevant benchmarks or other funds with similar objectives.<br />For investors who are close to or in retirement, the fund's equity exposure <br />may result in investment volatility that could reduce an investor's available<br />retirement assets at a time when the investor has a need to withdraw funds. For<br />investors who are farther from retirement, there is a risk the fund may invest<br />too much in investments designed to ensure capital conservation and current<br />income, which may prevent the investor from meeting his or her retirement goals.<br /> <br />Fund structure - The fund invests in underlying funds and incurs expenses<br />related to the underlying funds. In addition, investors in the fund will incur<br />fees to pay for certain expenses related to the operations of the fund. An<br />investor holding the underlying funds directly and in the same proportions as<br />the fund would incur lower overall expenses but would not receive the benefit <br />of the portfolio management and other services provided by the fund.<br /> <br />Because the fund's investments consist of underlying funds, the fund's risks are<br />directly related to the risks of the underlying funds. For this reason, it is<br />important to understand the risks associated with investing in the underlying<br />funds.<br /> <br />Market conditions - The prices of, and the income generated by, the common<br />stocks, bonds and other securities held by the underlying funds may decline due<br />to market conditions and other factors, including those directly involving the<br />issuers of securities held by the underlying funds.<br /> <br />Investing in stocks - Investing in stocks may involve larger price swings and<br />greater potential for loss than other types of investments. As a result, the<br />value of the underlying funds may be subject to sharp, short-term declines in<br />value. Income provided by an underlying fund may be reduced by changes in the<br />dividend policies of, and the capital resources available at, the companies in<br />which the underlying fund invests.These risks will be more significant for the<br />fund in the years preceding its target date because a greater proportion of the<br />fund's assets will consist of underlying funds that primarily invest in stocks.<br /> <br />Investing in bonds - Rising interest rates will generally cause the prices of<br />bonds and other debt securities to fall. Longer maturity debt securities may be<br />subject to greater price fluctuations than shorter maturity debt securities. In<br />addition, falling interest rates may cause an issuer to redeem, call or<br />refinance a security before its stated maturity, which may result in the<br />underlying fund having to reinvest the proceeds in lower yielding securities.<br /> <br />Bonds and other debt securities are subject to credit risk, which is the<br />possibility that the credit strength of an issuer will weaken and/or an issuer<br />of a debt security will fail to make timely payments of principal or interest<br />and the security will go into default. Credit risk is gauged, in part, by the<br />credit ratings of the securities in which the underlying fund invests. However,<br />ratings are only the opinions of the rating agencies issuing them and are not<br />guarantees as to credit quality or an evaluation of market risk. These risks<br />will be more significant as the fund approaches and passes its target date<br />because a greater proportion of the fund's assets will consist of underlying<br />funds that primarily invest in bonds.<br /> <br />Investing in lower rated bonds - Lower rated bonds and other lower rated debt<br />securities generally have higher rates of interest and involve greater risk of<br />default or price declines due to changes in the issuer's creditworthiness than<br />those of higher quality debt securities. The market prices of these securities<br />may fluctuate more than the prices of higher quality debt securities and may<br />decline significantly in periods of general economic difficulty. These risks may<br />be increased with respect to investments in bonds rated Ba1 or BB+ or below by<br />Nationally Recognized Statistical Rating Organizations or unrated but determined<br />by the underlying fund's investment adviser to be of equivalent quality. Such<br />securities are considered speculative and are sometimes referred to as "junk<br />bonds." The value of the underlying funds may be similarly affected.<br /> <br />Investing outside the United States - Securities of issuers domiciled outside<br />the United States, or with significant operations outside the United States, may<br />lose value because of adverse political, social, economic or market developments<br />in the countries or regions in which the issuer operates. These securities may<br />also lose value due to changes in foreign currency exchange rates against the<br />U.S. dollar and/or currencies of other countries. Securities markets in certain<br />countries may be more volatile and/or less liquid than those in the United<br />States. Investments outside the United States may also be subject to different<br />settlement and accounting practices and different regulatory, legal and<br />reporting standards, and may be more difficult to value, than those in the<br />United States. The risks of investing outside the United States may be<br />heightened in connection with investments in emerging markets.<br /> <br />Management - The investment adviser to the fund and to the underlying funds<br />actively manages each underlying fund's investments. Consequently, the<br />underlying funds are subject to the risk that the methods and analyses employed<br />by the investment adviser in this process may not produce the desired results.<br />This could cause an underlying fund to lose value or its investment results to<br />lag relevant benchmarks or other funds with similar objectives.<br /> <br />Your investment in the fund is not a bank deposit and is not insured or<br />guaranteed by the Federal Deposit Insurance Corporation or any other<br />governmental agency, entity or person. You should consider how this fund <br />fits into your overall investment program.</tt> Fees and expenses of the fund Principal investment strategies americanfunds.com <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results. This information provides some indication of the risks of investing in<br />the fund. The MSCI All Country World ex USA Index represents a portion of the<br />equity securities in which certain underlying funds may invest. The Barclays<br />U.S. Aggregate Index represents a portion of the fixed-income securities in<br />which certain underlying funds may invest. Past investment results are not<br />predictive of future investment results. Updated information on the fund's<br />investment results can be obtained by visiting americanfunds.com.</tt> <tt>This table describes the fees and expenses that you may pay if you buy and hold<br />shares of the fund. You may qualify for a Class A sales charge discount if you<br />and your family invest, or agree to invest in the future, at least $25,000 in<br />American Funds. More information about these and other discounts is available<br />from your financial professional and in the "Sales charge reductions and<br />waivers" section on page 77 of the prospectus and on page 71 of the fund's<br />statement of additional information.</tt> <div style="display:none">~ http://www.americanfunds.com/role/OperatingExpensesData_S000015563Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/PerformanceTableData_S000015563Member column dei_LegalEntityAxis compact * column rr_PerformanceMeasureAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Your investment in the fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency, entity or person. <div style="display:none">~ http://www.americanfunds.com/role/ShareholderFeesData_S000015563Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Barclays U.S. Aggregate Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0784 0.0663 2007-02-01 MSCI All Country World ex USA Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) -0.1371 -0.0330 2007-02-01 S&P 500 (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0209 -0.0067 2007-02-01 RFITX 0 0.0000 Share class R-6 46 166 -0.0010 680 297 -0.0228 0.0004 0.0010 2013-12-31 0.00 0.0000 0.0045 0.0055 0.1347 2009-07-13 0.0041 0.0000 REITX 0 0.0000 Share class R-5 51 182 -0.0010 740 325 -0.0242 0.0009 0.0010 2013-12-31 0.00 0.0000 0.0050 0.0060 0.0055 2007-02-01 0.0041 0.0000 RDITX 0 0.0000 Share class R-4 81 274 -0.0010 1087 483 -0.0270 0.0013 0.0010 2013-12-31 0.00 0.0025 0.0079 0.0089 0.0026 2007-02-01 0.0041 0.0000 RCITX 0 0.0000 Share class R-3 114 377 -0.0010 1468 661 -0.0302 0.0021 0.0010 2013-12-31 0.00 0.0050 0.0112 0.0122 -0.0008 2007-02-01 0.0041 0.0000 RBITX 0 0.0000 Share class R-2 153 495 -0.0010 1892 861 -0.0331 0.0034 0.0010 2013-12-31 0.00 0.0075 0.0150 0.0160 -0.0048 2007-02-01 0.0041 0.0000 RAITX 0 0.0000 Share class R-1 160 517 -0.0010 1968 898 -0.0337 0.0016 0.0010 2013-12-31 0.00 0.0100 0.0157 0.0167 -0.0049 2007-02-01 0.0041 0.0000 AALTX 0 Lowest Highest 0.0575 2012-09-30 Share class A 651 2009-06-30 833 -0.1954 -0.0010 0.1262 1599 1030 0.1686 -0.0818 0.0016 -0.3562 0.0010 2013-12-31 2008-12-31 0.3156 The fund's total return for the nine months ended -0.0259 0.00 0.0022 0.0079 0.0089 -0.0092 2007-02-01 0.1368 0.0041 0.0100 <tt>The fund pays transaction costs, such as commissions, when it buys and sells <br />securities (or "turns over" its portfolio). A higher portfolio turnover rate <br />may indicate higher transaction costs and may result in higher taxes when fund <br />shares are held in a taxable account. These costs, which are not reflected in <br />annual fund operating expenses or in the example, affect the fund's investment <br />results. During the most recent fiscal year, the fund's portfolio turnover rate <br />was 3% of the average value of its portfolio.</tt> <div style="display:none">~ http://www.americanfunds.com/role/ExpenseExample_S000015562Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/BarChartData_S000015562Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <tt>Depending on the proximity to its target date, the fund will seek to achieve the<br />following objectives to varying degrees: growth, income and conservation of<br />capital. The fund will increasingly emphasize income and conservation of capital<br />by investing a greater portion of its assets in bond, equity income and balanced<br />funds as it approaches and passes its target date. In this way, the fund seeks<br />to balance total return and stability over time.</tt> <tt>This example is intended to help you compare the cost of investing in<br />the fund with the cost of investing in other mutual funds.<br /> <br />The example assumes that you invest $10,000 in the fund for the time periods<br />indicated and then redeem all of your shares at the end of those periods. The<br />example also assumes that your investment has a 5% return each year and that <br />the fund's operating expenses remain the same.</tt> <tt>The fund will attempt to achieve its investment objectives by investing in a mix<br />of American Funds in different combinations and weightings. The underlying<br />American Funds represent a variety of fund categories such as growth funds,<br />growth-and-income funds, equity-income funds and a balanced fund and bond funds.<br />The fund categories represent differing investment objectives. For example,<br />growth funds seek long-term growth primarily through investing in both U.S.<br />stocks and stocks of issuers domiciled outside the U.S. Growth-and-income funds<br />seek long-term growth and income primarily through investments in stocks.<br />Equity-income and balanced funds generally strive for income and growth through<br />stocks and/or bond investments, while bond funds seek current income through<br />bond investments.<br /> <br />The investment adviser may periodically rebalance or modify the asset mix of the<br />funds and change the underlying fund investments. According to its current<br />investment approach, the investment adviser will continue to manage the fund for<br />approximately thirty years after the fund reaches its target date. Thirty years<br />after its target date, the fund may be combined with other funds in a single<br />portfolio with an investment allocation that will not evolve beyond that which<br />is in effect at that time.<br /> <br />The following chart illustrates the current investment approach of the fund by<br />showing how its investment in the various fund categories will change over time.<br /> <br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;Current investment approach <br /><br />Growth funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;<br />Growth-and-income funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;25%&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%<br />Equity-income and balanced funds&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;25%&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;40%<br />Bond funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;45%&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;&#xA0;55%&#xA0;&#xA0;&#xA0;&#xA0;60%&#xA0;&#xA0;&#xA0;&#xA0;60%&#xA0;&#xA0;&#xA0;&#xA0;<br /><br />Years to retirement&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35&#xA0;&#xA0;&#xA0;&#xA0;30&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5&#xA0;&#xA0;Retire 5&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30<br /> <br />The investment adviser anticipates that the fund will invest its assets within a<br />range that deviates no more than 10% above or below the investment approach set<br />forth above. For example, a 40% target allocation to growth funds is not<br />expected to be greater than 50% nor less than 30%. The investment adviser will<br />continuously monitor the fund and may make modifications to either the<br />investment approach or the underlying fund allocations that the investment<br />adviser believes could benefit shareholders.</tt> American Funds 2045 Target Date Retirement Fund® You may qualify for a Class A sales charge discount if you and your family invest, or agree to invest in the future, at least $25,000 in American Funds. Example Investment objectives Past investment results are not predictive of future investment results. The MSCI All Country World ex USA Index represents a portion of the equity securities in which certain underlying funds may invest. The Barclays U.S. Aggregate Index represents a portion of the fixed-income securities in which certain underlying funds may invest. You may lose money by investing in the fund. Principal risks Shareholder fees (fees paid directly from your investment) Although your actual costs may be higher or lower, based on these assumptions your costs would be: Calendar year total returns for Class A shares (Results do not include a sales charge; if a sales charge were included, results would be lower.) (Results do not include a sales charge; if a sales charge were included, results would be lower.) Investment results 25000 The following bar chart shows how the fund's investment results have varied from year to year, and the following table shows how the fund's average annual total returns for various periods compare with different broad measures of market results. <tt>Highest/Lowest quarterly results during this time period were:<br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;<br />Highest&#xA0;&#xA0;&#xA0;16.86% (quarter ended June 30, 2009)<br />Lowest&#xA0;&#xA0;&#xA0;-19.49% (quarter ended December 31, 2008)<br /> <br />The fund's total return for the nine months ended September 30, 2012, was<br />13.65%.</tt> Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment) Average annual total returns For the periods ended December 31, 2011 (with maximum sales charge): <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results.</tt> Portfolio turnover <tt>This section describes the principal risks associated with the fund's principal<br />investment strategies. You may lose money by investing in the fund. The<br />likelihood of loss may be greater if you invest for a shorter period of time.<br />Investors in the fund should have a long-term perspective and be able to<br />tolerate potentially sharp declines in value.<br /> <br />Allocation risk - Investments in the fund are subject to risks related to the<br />investment adviser's allocation choices. The selection of the underlying funds<br />and the allocation of the fund's assets could cause the fund to lose value or<br />its results to lag relevant benchmarks or other funds with similar objectives.<br />For investors who are close to or in retirement, the fund's equity exposure <br />may result in investment volatility that could reduce an investor's available<br />retirement assets at a time when the investor has a need to withdraw funds. For<br />investors who are farther from retirement, there is a risk the fund may invest<br />too much in investments designed to ensure capital conservation and current<br />income, which may prevent the investor from meeting his or her retirement goals.<br /> <br />Fund structure - The fund invests in underlying funds and incurs expenses<br />related to the underlying funds. In addition, investors in the fund will incur<br />fees to pay for certain expenses related to the operations of the fund. An<br />investor holding the underlying funds directly and in the same proportions as<br />the fund would incur lower overall expenses but would not receive the benefit <br />of the portfolio management and other services provided by the fund.<br /> <br />Because the fund's investments consist of underlying funds, the fund's risks are<br />directly related to the risks of the underlying funds. For this reason, it is<br />important to understand the risks associated with investing in the underlying<br />funds.<br /> <br />Market conditions - The prices of, and the income generated by, the common<br />stocks, bonds and other securities held by the underlying funds may decline <br />due to market conditions and other factors, including those directly involving <br />the issuers of securities held by the underlying funds.<br /> <br />Investing in stocks - Investing in stocks may involve larger price swings and<br />greater potential for loss than other types of investments. As a result, the<br />value of the underlying funds may be subject to sharp, short-term declines in<br />value. Income provided by an underlying fund may be reduced by changes in the<br />dividend policies of, and the capital resources available at, the companies in<br />which the underlying fund invests.These risks will be more significant for the<br />fund in the years preceding its target date because a greater proportion of the<br />fund's assets will consist of underlying funds that primarily invest in stocks.<br /> <br />Investing in bonds - Rising interest rates will generally cause the prices of<br />bonds and other debt securities to fall. Longer maturity debt securities may be<br />subject to greater price fluctuations than shorter maturity debt securities. In<br />addition, falling interest rates may cause an issuer to redeem, call or refinance <br />a security before its stated maturity, which may result in the underlying fund <br />having to reinvest the proceeds in lower yielding securities.<br /> <br />Bonds and other debt securities are subject to credit risk, which is the<br />possibility that the credit strength of an issuer will weaken and/or an issuer<br />of a debt security will fail to make timely payments of principal or interest<br />and the security will go into default. Credit risk is gauged, in part, by the<br />credit ratings of the securities in which the underlying fund invests. However,<br />ratings are only the opinions of the rating agencies issuing them and are not<br />guarantees as to credit quality or an evaluation of market risk. These risks<br />will be more significant as the fund approaches and passes its target date<br />because a greater proportion of the fund's assets will consist of underlying<br />funds that primarily invest in bonds.<br /> <br />Investing in lower rated bonds - Lower rated bonds and other lower rated debt<br />securities generally have higher rates of interest and involve greater risk of<br />default or price declines due to changes in the issuer's creditworthiness than<br />those of higher quality debt securities. The market prices of these securities<br />may fluctuate more than the prices of higher quality debt securities and may<br />decline significantly in periods of general economic difficulty. These risks may<br />be increased with respect to investments in bonds rated Ba1 or BB+ or below by<br />Nationally Recognized Statistical Rating Organizations or unrated but determined<br />by the underlying fund's investment adviser to be of equivalent quality. Such<br />securities are considered speculative and are sometimes referred to as "junk<br />bonds." The value of the underlying funds may be similarly affected.<br /> <br />Investing outside the United States - Securities of issuers domiciled outside<br />the United States, or with significant operations outside the United States, may<br />lose value because of adverse political, social, economic or market developments<br />in the countries or regions in which the issuer operates. These securities may<br />also lose value due to changes in foreign currency exchange rates against the<br />U.S. dollar and/or currencies of other countries. Securities markets in certain<br />countries may be more volatile and/or less liquid than those in the United<br />States. Investments outside the United States may also be subject to different<br />settlement and accounting practices and different regulatory, legal and<br />reporting standards, and may be more difficult to value, than those in the<br />United States. The risks of investing outside the United States may be<br />heightened in connection with investments in emerging markets.<br /> <br />Management - The investment adviser to the fund and to the underlying funds<br />actively manages each underlying fund's investments. Consequently, the<br />underlying funds are subject to the risk that the methods and analyses employed<br />by the investment adviser in this process may not produce the desired results.<br />This could cause an underlying fund to lose value or its investment results to<br />lag relevant benchmarks or other funds with similar objectives.<br /> <br />Your investment in the fund is not a bank deposit and is not insured or<br />guaranteed by the Federal Deposit Insurance Corporation or any other<br />governmental agency, entity or person. You should consider how this fund <br />fits into your overall investment program.</tt> Fees and expenses of the fund Principal investment strategies americanfunds.com <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results. This information provides some indication of the risks of investing in<br />the fund. The MSCI All Country World ex USA Index represents a portion of the<br />equity securities in which certain underlying funds may invest. The Barclays<br />U.S. Aggregate Index represents a portion of the fixed-income securities in<br />which certain underlying funds may invest. Past investment results are not<br />predictive of future investment results. Updated information on the fund's<br />investment results can be obtained by visiting americanfunds.com.</tt> <tt>This table describes the fees and expenses that you may pay if you buy and hold<br />shares of the fund. You may qualify for a Class A sales charge discount if you<br />and your family invest, or agree to invest in the future, at least $25,000 in<br />American Funds. More information about these and other discounts is available<br />from your financial professional and in the "Sales charge reductions and<br />waivers" section on page 77 of the prospectus and on page 71 of the fund's<br />statement of additional information.</tt> <div style="display:none">~ http://www.americanfunds.com/role/OperatingExpensesData_S000015562Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/PerformanceTableData_S000015562Member column dei_LegalEntityAxis compact * column rr_PerformanceMeasureAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Your investment in the fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency, entity or person. <div style="display:none">~ http://www.americanfunds.com/role/ShareholderFeesData_S000015562Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Barclays U.S. Aggregate Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0784 0.0663 2007-02-01 MSCI All Country World ex USA Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) -0.1371 -0.0330 2007-02-01 S&P 500 (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0209 -0.0067 2007-02-01 RFHTX 0 0.0000 Share class R-6 46 166 -0.0010 680 297 -0.0229 0.0004 0.0010 2013-12-31 0.00 0.0000 0.0045 0.0055 0.1346 2009-07-13 0.0041 0.0000 REHTX 0 0.0000 Share class R-5 50 179 -0.0010 728 319 -0.0231 0.0008 0.0010 2013-12-31 0.00 0.0000 0.0049 0.0059 0.0056 2007-02-01 0.0041 0.0000 RDHTX 0 0.0000 Share class R-4 81 274 -0.0010 1087 483 -0.0258 0.0013 0.0010 2013-12-31 0.00 0.0025 0.0079 0.0089 0.0027 2007-02-01 0.0041 0.0000 RCHTX 0 0.0000 Share class R-3 114 377 -0.0010 1468 661 -0.0301 0.0021 0.0010 2013-12-31 0.00 0.0050 0.0112 0.0122 -0.0007 2007-02-01 0.0041 0.0000 RBHTX 0 0.0000 Share class R-2 152 492 -0.0010 1881 856 -0.0336 0.0033 0.0010 2013-12-31 0.00 0.0075 0.0149 0.0159 -0.0047 2007-02-01 0.0041 0.0000 RAHTX 0 0.0000 Share class R-1 160 517 -0.0010 1968 898 -0.0340 0.0016 0.0010 2013-12-31 0.00 0.0100 0.0157 0.0167 -0.0048 2007-02-01 0.0041 0.0000 AAHTX 0 Lowest Highest 0.0575 2012-09-30 Share class A 651 2009-06-30 833 -0.1949 -0.0010 0.1267 1599 1030 0.1686 -0.0827 0.0016 -0.3556 0.0010 2013-12-31 2008-12-31 0.3155 The fund's total return for the nine months ended -0.0270 0.00 0.0022 0.0079 0.0089 -0.0093 2007-02-01 0.1365 0.0041 0.0100 <tt>The fund pays transaction costs, such as commissions, when it buys and sells securities <br />(or "turns over" its portfolio). A higher portfolio turnover rate may indicate higher <br />transaction costs and may result in higher taxes when fund shares are held in a taxable <br />account. These costs, which are not reflected in annual fund operating expenses or in <br />the example, affect the fund's investment results. During the most recent fiscal year, <br />the fund's portfolio turnover rate was 2% of the average value of its portfolio.</tt> <div style="display:none">~ http://www.americanfunds.com/role/ExpenseExample_S000015561Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/BarChartData_S000015561Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <tt>Depending on the proximity to its target date, the fund will seek to achieve the<br />following objectives to varying degrees: growth, income and conservation of<br />capital. The fund will increasingly emphasize income and conservation of capital<br />by investing a greater portion of its assets in bond, equity income and balanced<br />funds as it approaches and passes its target date. In this way, the fund seeks<br />to balance total return and stability over time.</tt> <tt>This example is intended to help you compare the cost of investing in<br />the fund with the cost of investing in other mutual funds.<br /> <br />The example assumes that you invest $10,000 in the fund for the time periods<br />indicated and then redeem all of your shares at the end of those periods. The<br />example also assumes that your investment has a 5% return each year and that <br />the fund's operating expenses remain the same.</tt> <tt>The fund will attempt to achieve its investment objectives by investing in a mix<br />of American Funds in different combinations and weightings. The underlying<br />American Funds represent a variety of fund categories such as growth funds,<br />growth-and-income funds, equity-income funds and a balanced fund and bond funds.<br />The fund categories represent differing investment objectives. For example,<br />growth funds seek long-term growth primarily through investing in both U.S.<br />stocks and stocks of issuers domiciled outside the U.S. Growth-and-income funds<br />seek long-term growth and income primarily through investments in stocks.<br />Equity-income and balanced funds generally strive for income and growth through<br />stocks and/or bond investments, while bond funds seek current income through<br />bond investments.<br /> <br />The investment adviser may periodically rebalance or modify the asset mix of the<br />funds and change the underlying fund investments. According to its current<br />investment approach, the investment adviser will continue to manage the fund for<br />approximately thirty years after the fund reaches its target date. Thirty years<br />after its target date, the fund may be combined with other funds in a single<br />portfolio with an investment allocation that will not evolve beyond that which<br />is in effect at that time.<br /> <br />The following chart illustrates the current investment approach of the fund by<br />showing how its investment in the various fund categories will change over time. <br /><br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;Current investment approach&#xA0;&#xA0;<br /><br />Growth funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%<br />Growth-and-income funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0% <br />Equity-income and balanced funds&#xA0;&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;40%<br />Bond funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;55%&#xA0;&#xA0;&#xA0;60%&#xA0;&#xA0;&#xA0;&#xA0;60%<br /><br />Years to retirement&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;Retire&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30&#xA0;&#xA0;&#xA0;&#xA0;<br /><br />The investment adviser anticipates that the fund will invest its assets within a<br />range that deviates no more than 10% above or below the investment approach set<br />forth above. For example, a 40% target allocation to growth funds is not<br />expected to be greater than 50% nor less than 30%. The investment adviser will<br />continuously monitor the fund and may make modifications to either the<br />investment approach or the underlying fund allocations that the investment<br />adviser believes could benefit shareholders.</tt> American Funds 2040 Target Date Retirement Fund® You may qualify for a Class A sales charge discount if you and your family invest, or agree to invest in the future, at least $25,000 in American Funds. Example Investment objectives Past investment results are not predictive of future investment results. The MSCI All Country World ex USA Index represents a portion of the equity securities in which certain underlying funds may invest. The Barclays U.S. Aggregate Index represents a portion of the fixed-income securities in which certain underlying funds may invest. You may lose money by investing in the fund. Principal risks Shareholder fees (fees paid directly from your investment) Although your actual costs may be higher or lower, based on these assumptions your costs would be: 0.02 Calendar year total returns for Class A shares (Results do not include a sales charge; if a sales charge were included, results would be lower.) (Results do not include a sales charge; if a sales charge were included, results would be lower.) Investment results 25000 The following bar chart shows how the fund's investment results have varied from year to year, and the following table shows how the fund's average annual total returns for various periods compare with different broad measures of market results. <tt>Highest/Lowest quarterly results during this time period were:<br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;<br />Highest&#xA0;&#xA0;16.94% (quarter ended June 30, 2009)<br />Lowest&#xA0;&#xA0;&#xA0;-19.47% (quarter ended December 31, 2008)<br /> <br />The fund's total return for the nine months ended September 30, 2012, was<br />-13.63%.</tt> Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment) Average annual total returns For the periods ended December 31, 2011 (with maximum sales charge): <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results.</tt> Portfolio turnover <tt>This section describes the principal risks associated with the fund's principal<br />investment strategies. You may lose money by investing in the fund. The<br />likelihood of loss may be greater if you invest for a shorter period of time.<br />Investors in the fund should have a long-term perspective and be able to<br />tolerate potentially sharp declines in value.<br /> <br />Allocation risk - Investments in the fund are subject to risks related to the<br />investment adviser's allocation choices. The selection of the underlying funds<br />and the allocation of the fund's assets could cause the fund to lose value or<br />its results to lag relevant benchmarks or other funds with similar objectives.<br />For investors who are close to or in retirement, the fund's equity exposure may<br />result in investment volatility that could reduce an investor's available<br />retirement assets at a time when the investor has a need to withdraw funds. For<br />investors who are farther from retirement, there is a risk the fund may invest<br />too much in investments designed to ensure capital conservation and current<br />income, which may prevent the investor from meeting his or her retirement goals.<br /> <br />Fund structure - The fund invests in underlying funds and incurs expenses<br />related to the underlying funds. In addition, investors in the fund will incur<br />fees to pay for certain expenses related to the operations of the fund. An<br />investor holding the underlying funds directly and in the same proportions as<br />the fund would incur lower overall expenses but would not receive the benefit <br />of the portfolio management and other services provided by the fund.<br /> <br />Because the fund's investments consist of underlying funds, the fund's risks are<br />directly related to the risks of the underlying funds. For this reason, it is<br />important to understand the risks associated with investing in the underlying<br />funds.<br /> <br />Market conditions - The prices of, and the income generated by, the common<br />stocks, bonds and other securities held by the underlying funds may decline <br />due to market conditions and other factors, including those directly involving <br />the issuers of securities held by the underlying funds.<br /> <br />Investing in stocks - Investing in stocks may involve larger price swings and<br />greater potential for loss than other types of investments. As a result, the<br />value of the underlying funds may be subject to sharp, short-term declines in<br />value. Income provided by an underlying fund may be reduced by changes in the<br />dividend policies of, and the capital resources available at, the companies in<br />which the underlying fund invests.These risks will be more significant for the<br />fund in the years preceding its target date because a greater proportion of the<br />fund's assets will consist of underlying funds that primarily invest in stocks.<br /> <br />Investing in bonds - Rising interest rates will generally cause the prices of<br />bonds and other debt securities to fall. Longer maturity debt securities may be<br />subject to greater price fluctuations than shorter maturity debt securities. In<br />addition, falling interest rates may cause an issuer to redeem, call or<br />refinance a security before its stated maturity, which may result in the<br />underlying fund having to reinvest the proceeds in lower yielding securities.<br /> <br />Bonds and other debt securities are subject to credit risk, which is the<br />possibility that the credit strength of an issuer will weaken and/or an issuer<br />of a debt security will fail to make timely payments of principal or interest<br />and the security will go into default. Credit risk is gauged, in part, by the<br />credit ratings of the securities in which the underlying fund invests. However,<br />ratings are only the opinions of the rating agencies issuing them and are not<br />guarantees as to credit quality or an evaluation of market risk. These risks<br />will be more significant as the fund approaches and passes its target date<br />because a greater proportion of the fund's assets will consist of underlying<br />funds that primarily invest in bonds.<br /> <br />Investing in lower rated bonds - Lower rated bonds and other lower rated debt<br />securities generally have higher rates of interest and involve greater risk of<br />default or price declines due to changes in the issuer's creditworthiness than<br />those of higher quality debt securities. The market prices of these securities<br />may fluctuate more than the prices of higher quality debt securities and may<br />decline significantly in periods of general economic difficulty. These risks may<br />be increased with respect to investments in bonds rated Ba1 or BB+ or below by<br />Nationally Recognized Statistical Rating Organizations or unrated but determined<br />by the underlying fund's investment adviser to be of equivalent quality. Such<br />securities are considered speculative and are sometimes referred to as "junk<br />bonds." The value of the underlying funds may be similarly affected.<br /> <br />Investing outside the United States - Securities of issuers domiciled outside<br />the United States, or with significant operations outside the United States, may<br />lose value because of adverse political, social, economic or market developments<br />in the countries or regions in which the issuer operates. These securities may<br />also lose value due to changes in foreign currency exchange rates against the<br />U.S. dollar and/or currencies of other countries. Securities markets in certain<br />countries may be more volatile and/or less liquid than those in the United<br />States. Investments outside the United States may also be subject to different<br />settlement and accounting practices and different regulatory, legal and<br />reporting standards, and may be more difficult to value, than those in the<br />United States. The risks of investing outside the United States may be<br />heightened in connection with investments in emerging markets.<br /> <br />Management - The investment adviser to the fund and to the underlying funds<br />actively manages each underlying fund's investments. Consequently, the<br />underlying funds are subject to the risk that the methods and analyses employed<br />by the investment adviser in this process may not produce the desired results.<br />This could cause an underlying fund to lose value or its investment results to<br />lag relevant benchmarks or other funds with similar objectives.<br /> <br />Your investment in the fund is not a bank deposit and is not insured or<br />guaranteed by the Federal Deposit Insurance Corporation or any other<br />governmental agency, entity or person. You should consider how this fund <br />fits into your overall investment program.</tt> Fees and expenses of the fund Principal investment strategies americanfunds.com <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results. This information provides some indication of the risks of investing in<br />the fund. The MSCI All Country World ex USA Index represents a portion of the<br />equity securities in which certain underlying funds may invest. The Barclays<br />U.S. Aggregate Index represents a portion of the fixed-income securities in<br />which certain underlying funds may invest. Past investment results are not<br />predictive of future investment results. Updated information on the fund's<br />investment results can be obtained by visiting americanfunds.com.</tt> <tt>This table describes the fees and expenses that you may pay if you buy and hold<br />shares of the fund. You may qualify for a Class A sales charge discount if you<br />and your family invest, or agree to invest in the future, at least $25,000 in<br />American Funds. More information about these and other discounts is available<br />from your financial professional and in the "Sales charge reductions and<br />waivers" section on page 77 of the prospectus and on page 71 of the fund's<br />statement of additional information.</tt> <div style="display:none">~ http://www.americanfunds.com/role/OperatingExpensesData_S000015561Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/PerformanceTableData_S000015561Member column dei_LegalEntityAxis compact * column rr_PerformanceMeasureAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Your investment in the fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency, entity or person. <div style="display:none">~ http://www.americanfunds.com/role/ShareholderFeesData_S000015561Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Barclays U.S. Aggregate Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0784 0.0663 2007-02-01 MSCI All Country World ex USA Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) -0.1371 -0.0330 2007-02-01 S&P 500 (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0209 -0.0067 2007-02-01 RFGTX 0 0.0000 Share class R-6 45 163 -0.0010 667 292 -0.0228 0.0003 0.0010 2013-12-31 0.00 0.0000 0.0044 0.0054 0.1006 2009-07-27 0.0041 0.0000 REGTX 0 0.0000 Share class R-5 50 179 -0.0010 728 319 -0.0231 0.0008 0.0010 2013-12-31 0.00 0.0000 0.0049 0.0059 0.0058 2007-02-01 0.0041 0.0000 RDGTX 0 0.0000 Share class R-4 80 271 -0.0010 1075 478 -0.0270 0.0012 0.0010 2013-12-31 0.00 0.0025 0.0078 0.0088 0.0026 2007-02-01 0.0041 0.0000 RCKTX 0 0.0000 Share class R-3 113 374 -0.0010 1457 655 -0.0291 0.0020 0.0010 2013-12-31 0.00 0.0050 0.0111 0.0121 -0.0006 2007-02-01 0.0041 0.0000 RBKTX 0 0.0000 Share class R-2 151 489 -0.0010 1870 851 -0.0328 0.0032 0.0010 2013-12-31 0.00 0.0075 0.0148 0.0158 -0.0046 2007-02-01 0.0041 0.0000 RAKTX 0 0.0000 Share class R-1 159 514 -0.0010 1957 893 -0.0340 0.0015 0.0010 2013-12-31 0.00 0.0100 0.0156 0.0166 -0.0047 2007-02-01 0.0041 0.0000 AAGTX 0 Lowest Highest 0.0575 2012-09-30 Share class A 650 2009-06-30 830 -0.1947 -0.0010 0.1258 1588 1025 0.1694 -0.0816 0.0016 -0.3562 0.0010 2013-12-31 2008-12-31 0.3163 The fund's total return for the nine months ended -0.0259 0.00 0.0021 0.0078 0.0088 -0.0091 2007-02-01 0.1363 0.0041 0.0100 <tt>The fund pays transaction costs, such as commissions, when it buys and sells <br />securities (or "turns over" its portfolio). A higher portfolio turnover rate <br />may indicate higher transaction costs and may result in higher taxes when <br />fund shares are held in a taxable account. These costs, which are not reflected <br />in annual fund operating expenses or in the example, affect the fund's investment <br />results. During the most recent fiscal year, the fund's portfolio turnover rate <br />was 3% of the average value of its portfolio.</tt> <div style="display:none">~ http://www.americanfunds.com/role/ExpenseExample_S000015560Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/BarChartData_S000015560Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <tt>Depending on the proximity to its target date, the fund will seek to achieve <br />the following objectives to varying degrees: growth, income and conservation <br />of capital. The fund will increasingly emphasize income and conservation of <br />capital by investing a greater portion of its assets in bond, equity income <br />and balanced funds as it approaches and passes its target date. In this way, <br />the fund seeks to balance total return and stability over time.</tt> <tt>This example is intended to help you compare the cost of investing in the fund <br />with the cost of investing in other mutual funds.<br /> <br />The example assumes that you invest $10,000 in the fund for the time periods<br />indicated and then redeem all of your shares at the end of those periods. The<br />example also assumes that your investment has a 5% return each year and that <br />the fund's operating expenses remain the same.</tt> <tt>The fund will attempt to achieve its investment objectives by investing in a mix<br />of American Funds in different combinations and weightings. The underlying<br />American Funds represent a variety of fund categories such as growth funds,<br />growth-and-income funds, equity-income funds and a balanced fund and bond funds.<br />The fund categories represent differing investment objectives. For example,<br />growth funds seek long-term growth primarily through investing in both U.S.<br />stocks and stocks of issuers domiciled outside the U.S. Growth-and-income funds<br />seek long-term growth and income primarily through investments in stocks.<br />Equity-income and balanced funds generally strive for income and growth through<br />stocks and/or bond investments, while bond funds seek current income through<br />bond investments.<br /> <br />The investment adviser may periodically rebalance or modify the asset mix of the<br />funds and change the underlying fund investments. According to its current<br />investment approach, the investment adviser will continue to manage the fund for<br />approximately thirty years after the fund reaches its target date. Thirty years<br />after its target date, the fund may be combined with other funds in a single<br />portfolio with an investment allocation that will not evolve beyond that which<br />is in effect at that time.<br /> <br />The following chart illustrates the current investment approach of the fund by<br />showing how its investment in the various fund categories will change over time.<br /> <br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;Current investment approach <br /><br />Growth funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;0%<br />Growth-and-income funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;<br />Equity-income and balanced funds&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;<br />Bond funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;&#xA0;55%&#xA0;&#xA0;&#xA0;60%&#xA0;&#xA0;&#xA0;60%<br /><br />Years to retirement&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;Retire&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;&#xA0;30 <br /><br />The investment adviser anticipates that the fund will invest its assets within a<br />range that deviates no more than 10% above or below the investment approach set<br />forth above. For example, a 40% target allocation to growth funds is not<br />expected to be greater than 50% nor less than 30%. The investment adviser will<br />continuously monitor the fund and may make modifications to either the<br />investment approach or the underlying fund allocations that the investment<br />adviser believes could benefit shareholders.</tt> American Funds 2035 Target Date Retirement Fund® You may qualify for a Class A sales charge discount if you and your family invest, or agree to invest in the future, at least $25,000 in American Funds. Example Investment objectives Past investment results are not predictive of future investment results. The MSCI All Country World ex USA Index represents a portion of the equity securities in which certain underlying funds may invest. The Barclays U.S. Aggregate Index represents a portion of the fixed-income securities in which certain underlying funds may invest. You may lose money by investing in the fund. Principal risks Shareholder fees (fees paid directly from your investment) Although your actual costs may be higher or lower, based on these assumptions your costs would be: 0.03 Calendar year total return for Class A shares (Results do not include a sales charge; if a sales charge were included, results would be lower.) (Results do not include a sales charge; if a sales charge were included, results would be lower.) Investment results 25000 The following bar chart shows how the fund's investment results have varied from year to year, and the following table shows how the fund's average annual total returns for various periods compare with different broad measures of market results. <tt>Highest/Lowest quarterly results during this period were:<br /><br />Highest&#xA0;&#xA0;16.77%(quarter ended June 30, 2009)<br />Lowest&#xA0;&#xA0;-19.45%(quarter ended December 31, 2008)<br /><br />The fund's total return for the nine months ended September 30, 2012, <br />was 13.48%.</tt> Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment) Average annual total returns For the periods ended December 31, 2011 (with maximum sales charge): <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market results.</tt> Portfolio turnover <tt>This section describes the principal risks associated with the fund's principal<br />investment strategies. You may lose money by investing in the fund. The<br />likelihood of loss may be greater if you invest for a shorter period of time.<br />Investors in the fund should have a long-term perspective and be able to<br />tolerate potentially sharp declines in value.<br /> <br />Allocation risk - Investments in the fund are subject to risks related to the<br />investment adviser's allocation choices. The selection of the underlying funds<br />and the allocation of the fund's assets could cause the fund to lose value or<br />its results to lag relevant benchmarks or other funds with similar objectives.<br />For investors who are close to or in retirement, the fund's equity exposure may<br />result in investment volatility that could reduce an investor's available<br />retirement assets at a time when the investor has a need to withdraw funds. For<br />investors who are farther from retirement, there is a risk the fund may invest<br />too much in investments designed to ensure capital conservation and current<br />income, which may prevent the investor from meeting his or her retirement goals.<br /> <br />Fund structure - The fund invests in underlying funds and incurs expenses<br />related to the underlying funds. In addition, investors in the fund will incur<br />fees to pay for certain expenses related to the operations of the fund. An<br />investor holding the underlying funds directly and in the same proportions as<br />the fund would incur lower overall expenses but would not receive the benefit of<br />the portfolio management and other services provided by the fund.<br /> <br />Because the fund's investments consist of underlying funds, the fund's risks are<br />directly related to the risks of the underlying funds. For this reason, it is<br />important to understand the risks associated with investing in the underlying<br />funds.<br /> <br />Market conditions - The prices of, and the income generated by, the common<br />stocks, bonds and other securities held by the underlying funds may decline due<br />to market conditions and other factors, including those directly involving the<br />issuers of securities held by the underlying funds.<br /> <br />Investing in stocks - Investing in stocks may involve larger price swings and<br />greater potential for loss than other types of investments. As a result, the<br />value of the underlying funds may be subject to sharp, short-term declines in<br />value. Income provided by an underlying fund may be reduced by changes in the<br />dividend policies of, and the capital resources available at, the companies in<br />which the underlying fund invests.These risks will be more significant for the<br />fund in the years preceding its target date because a greater proportion of the<br />fund's assets will consist of underlying funds that primarily invest in stocks.<br /> <br />Investing in bonds - Rising interest rates will generally cause the prices of<br />bonds and other debt securities to fall. Longer maturity debt securities may be<br />subject to greater price fluctuations than shorter maturity debt securities. In<br />addition, falling interest rates may cause an issuer to redeem, call or<br />refinance a security before its stated maturity, which may result in the<br />underlying fund having to reinvest the proceeds in lower yielding securities.<br /> <br />Bonds and other debt securities are subject to credit risk, which is the<br />possibility that the credit strength of an issuer will weaken and/or an issuer<br />of a debt security will fail to make timely payments of principal or interest<br />and the security will go into default. Credit risk is gauged, in part, by the<br />credit ratings of the securities in which the underlying fund invests. However,<br />ratings are only the opinions of the rating agencies issuing them and are not<br />guarantees as to credit quality or an evaluation of market risk. These risks<br />will be more significant as the fund approaches and passes its target date<br />because a greater proportion of the fund's assets will consist of underlying<br />funds that primarily invest in bonds.<br /> <br />Investing in lower rated bonds - Lower rated bonds and other lower rated debt<br />securities generally have higher rates of interest and involve greater risk of<br />default or price declines due to changes in the issuer's creditworthiness than<br />those of higher quality debt securities. The market prices of these securities<br />may fluctuate more than the prices of higher quality debt securities and may<br />decline significantly in periods of general economic difficulty. These risks may<br />be increased with respect to investments in bonds rated Ba1 or BB+ or below by<br />Nationally Recognized Statistical Rating Organizations or unrated but determined<br />by the underlying fund's investment adviser to be of equivalent quality. Such<br />securities are considered speculative and are sometimes referred to as "junk<br />bonds." The value of the underlying funds may be similarly affected.<br /> <br />Investing outside the United States - Securities of issuers domiciled outside<br />the United States, or with significant operations outside the United States, <br />may lose value because of adverse political, social, economic or market <br />developments in the countries or regions in which the issuer operates. These <br />securities may also lose value due to changes in foreign currency exchange rates <br />against the U.S. dollar and/or currencies of other countries. Securities markets <br />in certain countries may be more volatile and/or less liquid than those in the <br />United States. Investments outside the United States may also be subject to <br />different settlement and accounting practices and different regulatory, legal <br />and reporting standards, and may be more difficult to value, than those in the<br />United States. The risks of investing outside the United States may be<br />heightened in connection with investments in emerging markets.<br /> <br />Management - The investment adviser to the fund and to the underlying funds<br />actively manages each underlying fund's investments. Consequently, the underlying <br />funds are subject to the risk that the methods and analyses employed by the <br />investment adviser in this process may not produce the desired results. This could <br />cause an underlying fund to lose value or its investment results to lag relevant <br />benchmarks or other funds with similar objectives.<br /> <br />Your investment in the fund is not a bank deposit and is not insured or guaranteed <br />by the Federal Deposit Insurance Corporation or any other governmental agency, <br />entity or person. You should consider how this fund fits into your overall investment <br />program.</tt> Fees and expenses of the fund Principal investment strategies americanfunds.com <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results. This information provides some indication of the risks of investing in<br />the fund. The MSCI All Country World ex USA Index represents a portion of the<br />equity securities in which certain underlying funds may invest. The Barclays<br />U.S. Aggregate Index represents a portion of the fixed-income securities in<br />which certain underlying funds may invest. Past investment results are not<br />predictive of future investment results. Updated information on the fund's<br />investment results can be obtained by visiting americanfunds.com.</tt> <tt>This table describes the fees and expenses that you may pay if you buy and hold<br />shares of the fund. You may qualify for a Class A sales charge discount if you<br />and your family invest, or agree to invest in the future, at least $25,000 in<br />American Funds. More information about these and other discounts is available<br />from your financial professional and in the "Sales charge reductions and<br />waivers" section on page 77 of the prospectus and on page 71 of the fund's<br />statement of additional information.</tt> <div style="display:none">~ http://www.americanfunds.com/role/OperatingExpensesData_S000015560Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/PerformanceTableData_S000015560Member column dei_LegalEntityAxis compact * column rr_PerformanceMeasureAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Your investment in the fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency, entity or person. <div style="display:none">~ http://www.americanfunds.com/role/ShareholderFeesData_S000015560Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Barclays U.S. Aggregate Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0784 0.0663 2007-02-01 MSCI All Country World ex USA Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) -0.1371 -0.0330 2007-02-01 S&P 500 (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0209 -0.0067 2007-02-01 RFFTX 0 0.0000 Share class R-6 44 160 -0.0010 655 286 -0.0213 0.0003 0.0010 2013-12-31 0.00 0.0000 0.0043 0.0053 0.1347 2009-07-13 0.0040 0.0000 REFTX 0 0.0000 Share class R-5 48 173 -0.0010 704 308 -0.0216 0.0007 0.0010 2013-12-31 0.00 0.0000 0.0047 0.0057 0.0059 2007-02-01 0.0040 0.0000 RDFTX 0 0.0000 Share class R-4 79 268 -0.0010 1063 472 -0.0245 0.0012 0.0010 2013-12-31 0.00 0.0025 0.0077 0.0087 0.0029 2007-02-01 0.0040 0.0000 RCFTX 0 0.0000 Share class R-3 112 371 -0.0010 1446 650 -0.0276 0.0020 0.0010 2013-12-31 0.00 0.0050 0.0110 0.0120 -0.0004 2007-02-01 0.0040 0.0000 RBFTX 0 0.0000 Share class R-2 150 486 -0.0010 1859 846 -0.0313 0.0032 0.0010 2013-12-31 0.00 0.0075 0.0147 0.0157 -0.0044 2007-02-01 0.0040 0.0000 RAFTX 0 0.0000 Share class R-1 158 511 -0.0010 1946 888 -0.0314 0.0016 0.0010 2013-12-31 0.00 0.0099 0.0155 0.0165 -0.0045 2007-02-01 0.0040 0.0000 AAFTX 0 Lowest Highest 0.0575 2012-09-30 Share class A 649 2009-06-30 827 -0.1945 -0.0010 0.1262 1577 1020 0.1677 -0.0797 0.0015 -0.3553 0.0010 2013-12-31 2008-12-31 0.3134 The fund's total return for the nine months ended -0.0235 0.00 0.0022 0.0077 0.0087 -0.0088 2007-02-01 0.1348 0.0040 0.0100 <tt>The fund pays transaction costs, such as commissions, when it<br />buys and sells securities (or "turns over" its portfolio). A higher portfolio<br />turnover rate may indicate higher transaction costs and may result in higher<br />taxes when fund shares are held in a taxable account. These costs, which are not<br />reflected in annual fund operating expenses or in the example, affect the fund's<br />investment results. During the most recent fiscal year, the fund's portfolio<br />turnover rate was 4% of the average value of its portfolio.</tt> <div style="display:none">~ http://www.americanfunds.com/role/ExpenseExample_S000015559Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/BarChartData_S000015559Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <tt>Depending on the proximity to its target date, the fund will seek to achieve the<br />following objectives to varying degrees: growth, income and conservation of<br />capital. The fund will increasingly emphasize income and conservation of capital<br />by investing a greater portion of its assets in bond, equity income and balanced<br />funds as it approaches and passes its target date. In this way, the fund seeks<br />to balance total return and stability over time.</tt> <tt>This example is intended to help you compare the cost of investing in the fund <br />with the cost of investing in other mutual funds.<br /> <br />The example assumes that you invest $10,000 in the fund for the time periods<br />indicated and then redeem all of your shares at the end of those periods. The<br />example also assumes that your investment has a 5% return each year and that <br />the fund's operating expenses remain the same.</tt> <tt>The fund will attempt to achieve its investment objectives by investing in a mix<br />of American Funds in different combinations and weightings. The underlying<br />American Funds represent a variety of fund categories such as growth funds,<br />growth-and-income funds, equity-income funds and a balanced fund and bond funds.<br />The fund categories represent differing investment objectives. For example,<br />growth funds seek long-term growth primarily through investing in both U.S.<br />stocks and stocks of issuers domiciled outside the U.S. Growth-and-income funds<br />seek long-term growth and income primarily through investments in stocks.<br />Equity-income and balanced funds generally strive for income and growth through<br />stocks and/or bond investments, while bond funds seek current income through<br />bond investments.<br /> <br />The investment adviser may periodically rebalance or modify the asset mix of the<br />funds and change the underlying fund investments. According to its current<br />investment approach, the investment adviser will continue to manage the fund for<br />approximately thirty years after the fund reaches its target date. Thirty years<br />after its target date, the fund may be combined with other funds in a single<br />portfolio with an investment allocation that will not evolve beyond that which<br />is in effect at that time.<br /> <br />The following chart illustrates the current investment approach of the fund by<br />showing how its investment in the various fund categories will change over time.<br /> <br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;Current investment approach <br /><br />Growth funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;40%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;<br />Growth-and-income funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;<br />Equity-income and balanced funds&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;40%<br />Bond funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;&#xA0;55%&#xA0;&#xA0;&#xA0;&#xA0;60%&#xA0;&#xA0;&#xA0;&#xA0;60%<br /><br />Years to retirement&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;Retire&#xA0;&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30<br /><br />The investment adviser anticipates that the fund will invest its assets within a<br />range that deviates no more than 10% above or below the investment approach set<br />forth above. For example, a 40% target allocation to growth funds is not expected <br />to be greater than 50% nor less than 30%. The investment adviser will continuously <br />monitor the fund and may make modifications to either the investment approach or <br />the underlying fund allocations that the investment adviser believes could benefit <br />shareholders.</tt> American Funds 2030 Target Date Retirement Fund® You may qualify for a Class A sales charge discount if you and your family invest, or agree to invest in the future, at least $25,000 in American Funds. Example Investment objectives Past investment results are not predictive of future investment results. The MSCI All Country World ex USA Index represents a portion of the equity securities in which certain underlying funds may invest. The Barclays U.S. Aggregate Index represents a portion of the fixed-income securities in which certain underlying funds may invest. You may lose money by investing in the fund. Principal risks Shareholder fees (fees paid directly from your investment) Although your actual costs may be higher or lower, based on these assumptions your costs would be: 0.04 Calendar year total returns for Class A shares (Results do not include a sales charge; if a sales charge were included, results would be lower.) (Results do not include a sales charge; if a sales charge were included, results would be lower.) Investment results 25000 The following bar chart shows how the fund's investment results have varied from year to year, and the following table shows how the fund's average annual total returns for various periods compare with different broad measures of market results. <tt>Highest/Lowest quarterly results during this period were:<br /><br />Highest&#xA0;&#xA0;16.72%(quarter ended June 30,2009)<br />Lowest&#xA0;&#xA0;-19.16%(quarter ended December 31, 2008)<br /><br />The fund's total return for the nine months ended September 30, 2012 was <br />13.50%.</tt> Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment) Average annual total returns For the periods ended December 31, 2011 (with maximum sales charge): <tt>The following bar chart shows how the fund's investment results have varied <br />from year to year, and the following table shows how the fund's average <br />annual total returns for various periods compare with different broad measures <br />of market results.</tt> Portfolio turnover <tt>This section describes the principal risks associated with the fund's principal<br />investment strategies. You may lose money by investing in the fund. The<br />likelihood of loss may be greater if you invest for a shorter period of time.<br />Investors in the fund should have a long-term perspective and be able to<br />tolerate potentially sharp declines in value.<br /> <br />Allocation risk - Investments in the fund are subject to risks related to the<br />investment adviser's allocation choices. The selection of the underlying funds<br />and the allocation of the fund's assets could cause the fund to lose value or<br />its results to lag relevant benchmarks or other funds with similar objectives.<br />For investors who are close to or in retirement, the fund's equity exposure may<br />result in investment volatility that could reduce an investor's available<br />retirement assets at a time when the investor has a need to withdraw funds. For<br />investors who are farther from retirement, there is a risk the fund may invest<br />too much in investments designed to ensure capital conservation and current<br />income, which may prevent the investor from meeting his or her retirement goals.<br /> <br />Fund structure - The fund invests in underlying funds and incurs expenses<br />related to the underlying funds. In addition, investors in the fund will incur<br />fees to pay for certain expenses related to the operations of the fund. An<br />investor holding the underlying funds directly and in the same proportions as<br />the fund would incur lower overall expenses but would not receive the benefit of<br />the portfolio management and other services provided by the fund.<br /> <br />Because the fund's investments consist of underlying funds, the fund's risks are<br />directly related to the risks of the underlying funds. For this reason, it is<br />important to understand the risks associated with investing in the underlying<br />funds.<br /> <br />Market conditions - The prices of, and the income generated by, the common<br />stocks, bonds and other securities held by the underlying funds may decline due<br />to market conditions and other factors, including those directly involving the<br />issuers of securities held by the underlying funds.<br /> <br />Investing in stocks - Investing in stocks may involve larger price swings and<br />greater potential for loss than other types of investments. As a result, the<br />value of the underlying funds may be subject to sharp, short-term declines in<br />value. Income provided by an underlying fund may be reduced by changes in the<br />dividend policies of, and the capital resources available at, the companies in<br />which the underlying fund invests.These risks will be more significant for the<br />fund in the years preceding its target date because a greater proportion of the<br />fund's assets will consist of underlying funds that primarily invest in stocks.<br /> <br />Investing in bonds - Rising interest rates will generally cause the prices of<br />bonds and other debt securities to fall. Longer maturity debt securities may be<br />subject to greater price fluctuations than shorter maturity debt securities. In<br />addition, falling interest rates may cause an issuer to redeem, call or refinance <br />a security before its stated maturity, which may result in the underlying fund <br />having to reinvest the proceeds in lower yielding securities.<br /> <br />Bonds and other debt securities are subject to credit risk, which is the<br />possibility that the credit strength of an issuer will weaken and/or an issuer<br />of a debt security will fail to make timely payments of principal or interest<br />and the security will go into default. Credit risk is gauged, in part, by the<br />credit ratings of the securities in which the underlying fund invests. However,<br />ratings are only the opinions of the rating agencies issuing them and are not<br />guarantees as to credit quality or an evaluation of market risk. These risks<br />will be more significant as the fund approaches and passes its target date<br />because a greater proportion of the fund's assets will consist of underlying<br />funds that primarily invest in bonds.<br /> <br />Investing in lower rated bonds - Lower rated bonds and other lower rated debt<br />securities generally have higher rates of interest and involve greater risk of<br />default or price declines due to changes in the issuer's creditworthiness than<br />those of higher quality debt securities. The market prices of these securities<br />may fluctuate more than the prices of higher quality debt securities and may<br />decline significantly in periods of general economic difficulty. These risks may<br />be increased with respect to investments in bonds rated Ba1 or BB+ or below by<br />Nationally Recognized Statistical Rating Organizations or unrated but determined<br />by the underlying fund's investment adviser to be of equivalent quality. Such<br />securities are considered speculative and are sometimes referred to as "junk<br />bonds." The value of the underlying funds may be similarly affected.<br /> <br />Investing outside the United States - Securities of issuers domiciled outside<br />the United States, or with significant operations outside the United States, <br />may lose value because of adverse political, social, economic or market <br />developments in the countries or regions in which the issuer operates. These <br />securities may also lose value due to changes in foreign currency exchange <br />rates against the U.S. dollar and/or currencies of other countries. Securities <br />markets in certain countries may be more volatile and/or less liquid than those <br />in the United States. Investments outside the United States may also be subject <br />to different settlement and accounting practices and different regulatory, legal <br />and reporting standards, and may be more difficult to value, than those in the<br />United States. The risks of investing outside the United States may be<br />heightened in connection with investments in emerging markets.<br /> <br />Management - The investment adviser to the fund and to the underlying funds<br />actively manages each underlying fund's investments. Consequently, the<br />underlying funds are subject to the risk that the methods and analyses employed<br />by the investment adviser in this process may not produce the desired results.<br />This could cause an underlying fund to lose value or its investment results to<br />lag relevant benchmarks or other funds with similar objectives.<br /> <br />Your investment in the fund is not a bank deposit and is not insured or guaranteed <br />by the Federal Deposit Insurance Corporation or any other governmental agency, <br />entity or person. You should consider how this fund fits into your overall <br />investment program.</tt> Fees and expenses of the fund Principal investment strategies americanfunds.com <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results. This information provides some indication of the risks of investing in<br />the fund. The MSCI All Country World ex USA Index represents a portion of the<br />equity securities in which certain underlying funds may invest. The Barclays<br />U.S. Aggregate Index represents a portion of the fixed-income securities in<br />which certain underlying funds may invest. Past investment results are not<br />predictive of future investment results. Updated information on the fund's<br />investment results can be obtained by visiting americanfunds.com.</tt> <tt>This table describes the fees and expenses that you may pay if you buy and <br />hold shares of the fund. You may qualify for a Class A sales charge discount <br />if you and your family invest, or agree to invest in the future, at least <br />$25,000 in American Funds. More information about these and other discounts <br />is available from your financial professional and in the "Sales charge <br />reductions and waivers" section on page 77 of the prospectus and on page 71 <br />of the fund's statement of additional information.</tt> <div style="display:none">~ http://www.americanfunds.com/role/OperatingExpensesData_S000015559Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/PerformanceTableData_S000015559Member column dei_LegalEntityAxis compact * column rr_PerformanceMeasureAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Your investment in the fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency, entity or person. <div style="display:none">~ http://www.americanfunds.com/role/ShareholderFeesData_S000015559Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Barclays U.S. Aggregate Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0784 0.0663 2007-02-01 MSCI All Country World ex USA Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) -0.1371 -0.0330 2007-02-01 S&P 500 (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0209 -0.0067 2007-02-01 RFETX 0 0.0000 Share class R-6 44 160 -0.0010 655 286 -0.0182 0.0003 0.0010 2013-12-31 0.00 0.0000 0.0043 0.0053 0.1351 2009-07-13 0.0040 0.0000 REETX 0 0.0000 Share class R-5 48 173 -0.0010 704 308 -0.0186 0.0007 0.0010 2013-12-31 0.00 0.0000 0.0047 0.0057 0.0067 2007-02-01 0.0040 0.0000 RDETX 0 0.0000 Share class R-4 79 268 -0.0010 1063 472 -0.0203 0.0012 0.0010 2013-12-31 0.00 0.0025 0.0077 0.0087 0.0039 2007-02-01 0.0040 0.0000 RCETX 0 0.0000 Share class R-3 111 368 -0.0010 1434 645 -0.0237 0.0019 0.0010 2013-12-31 0.00 0.0050 0.0109 0.0119 0.0005 2007-02-01 0.0040 0.0000 RBETX 0 0.0000 Share class R-2 150 486 -0.0010 1859 846 -0.0273 0.0032 0.0010 2013-12-31 0.00 0.0075 0.0147 0.0157 -0.0036 2007-02-01 0.0040 0.0000 RAETX 0 0.0000 Share class R-1 157 508 -0.0010 1935 882 -0.0288 0.0015 0.0010 2013-12-31 0.00 0.0099 0.0154 0.0164 -0.0036 2007-02-01 0.0040 0.0000 AAETX 0 Lowest Highest 0.0575 2010-09-30 Share class A 649 2009-06-30 827 -0.1916 -0.0010 0.1269 1577 1020 0.1672 -0.0776 0.0015 -0.3519 0.0010 2013-12-31 2008-12-31 0.3107 The fund's total return for the nine months ended -0.0215 0.00 0.0022 0.0077 0.0087 -0.0081 2007-02-01 0.1350 0.0040 0.0100 <tt>The fund pays transaction costs, such as commissions, when it buys and sells <br />securities (or "turns over" its portfolio). A higher portfolio turnover rate may <br />indicate higher transaction costs and may result in higher taxes when fund shares <br />are held in a taxable account. These costs, which are not reflected in annual fund <br />operating expenses or in the example, affect the fund's investment results. During <br />the most recent fiscal year, the fund's portfolio turnover rate was 3% of the <br />average value of its portfolio.</tt> <div style="display:none">~ http://www.americanfunds.com/role/ExpenseExample_S000015558Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/BarChartData_S000015558Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <tt>Depending on the proximity to its target date, the fund will seek to achieve the<br />following objectives to varying degrees: growth, income and conservation of<br />capital. The fund will increasingly emphasize income and conservation of capital<br />by investing a greater portion of its assets in bond, equity income and balanced<br />funds as it approaches and passes its target date. In this way, the fund seeks<br />to balance total return and stability over time.</tt> <tt>This example is intended to help you compare the cost of investing in<br />the fund with the cost of investing in other mutual funds.<br /> <br />The example assumes that you invest $10,000 in the fund for the time periods<br />indicated and then redeem all of your shares at the end of those periods. The<br />example also assumes that your investment has a 5% return each year and that the<br />fund's operating expenses remain the same.</tt> <tt>The fund will attempt to achieve its investment objectives by investing in a mix<br />of American Funds in different combinations and weightings. The underlying<br />American Funds represent a variety of fund categories such as growth funds,<br />growth-and-income funds, equity-income funds and a balanced fund and bond funds.<br />The fund categories represent differing investment objectives. For example,<br />growth funds seek long-term growth primarily through investing in both U.S.<br />stocks and stocks of issuers domiciled outside the U.S. Growth-and-income funds<br />seek long-term growth and income primarily through investments in stocks.<br />Equity-income and balanced funds generally strive for income and growth through<br />stocks and/or bond investments, while bond funds seek current income through<br />bond investments.<br /> <br />The investment adviser may periodically rebalance or modify the asset mix of the<br />funds and change the underlying fund investments. According to its current<br />investment approach, the investment adviser will continue to manage the fund for<br />approximately thirty years after the fund reaches its target date. Thirty years<br />after its target date, the fund may be combined with other funds in a single<br />portfolio with an investment allocation that will not evolve beyond that which<br />is in effect at that time.<br /> <br />The following chart illustrates the current investment approach of the fund by<br />showing how its investment in the various fund categories will change over time.<br /> <br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;Current investment approach<br /><br />Growth funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;<br />Growth-and-income funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;<br />Equity-income and balanced funds&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;40%<br />Bond funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;55%&#xA0;&#xA0;&#xA0;&#xA0;60%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;60%<br /><br />Years to retirement&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;&#xA0;Retire&#xA0;&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;<br />&#xA0;&#xA0;<br />The investment adviser anticipates that the fund will invest its assets within a<br />range that deviates no more than 10% above or below the investment approach set<br />forth above. For example, a 40% target allocation to growth funds is not<br />expected to be greater than 50% nor less than 30%. The investment adviser will<br />continuously monitor the fund and may make modifications to either the<br />investment approach or the underlying fund allocations that the investment<br />adviser believes could benefit shareholders.</tt> American Funds 2025 Target Date Retirement Fund® You may qualify for a Class A sales charge discount if you and your family invest, or agree to invest in the future, at least $25,000 in American Funds. Example Investment objectives Past investment results are not predictive of future investment results. The MSCI All Country World ex USA Index represents a portion of the equity securities in which certain underlying funds may invest. The Barclays U.S. Aggregate Index represents a portion of the fixed-income securities in which certain underlying funds may invest. You may lose money by investing in the fund. Principal risks Shareholder fees (fees paid directly from your investment) Although your actual costs may be higher or lower, based on these assumptions your costs would be: 0.03 Calendar year total returns for Class A shares (Results do not include a sales charge; if a sales charge were included, results would be lower.) (Results do not include a sales charge; if a sales charge were included, results would be lower.) Investment results 25000 The following bar chart shows how the fund's investment results have varied from year to year, and the following table shows how the fund's average annual total returns for various periods compare with different broad measures of market results. <tt>Highest/Lowest quarterly results during this time period were:<br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;<br />Highest&#xA0;&#xA0;&#xA0;16.02% (quarter ended June 30, 2009)<br />Lowest&#xA0;&#xA0;&#xA0;-18.88% (quarter ended December 31, 2008)<br /> <br />The fund's total return for the nine months ended September 30, 2012, was<br />12.83%.</tt> Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment) Average annual total returns For the periods ended December 31, 2011 (with maximum sales charge): <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results.</tt> Portfolio turnover <tt>This section describes the principal risks associated with the fund's principal<br />investment strategies. You may lose money by investing in the fund. The<br />likelihood of loss may be greater if you invest for a shorter period of time.<br />Investors in the fund should have a long-term perspective and be able to<br />tolerate potentially sharp declines in value.<br /> <br />Allocation risk - Investments in the fund are subject to risks related to the<br />investment adviser's allocation choices. The selection of the underlying funds<br />and the allocation of the fund's assets could cause the fund to lose value or<br />its results to lag relevant benchmarks or other funds with similar objectives.<br />For investors who are close to or in retirement, the fund's equity exposure may<br />result in investment volatility that could reduce an investor's available<br />retirement assets at a time when the investor has a need to withdraw funds. For<br />investors who are farther from retirement, there is a risk the fund may invest<br />too much in investments designed to ensure capital conservation and current<br />income, which may prevent the investor from meeting his or her retirement goals.<br /> <br />Fund structure - The fund invests in underlying funds and incurs expenses<br />related to the underlying funds. In addition, investors in the fund will incur<br />fees to pay for certain expenses related to the operations of the fund. An<br />investor holding the underlying funds directly and in the same proportions as<br />the fund would incur lower overall expenses but would not receive the benefit of<br />the portfolio management and other services provided by the fund.<br /> <br />Because the fund's investments consist of underlying funds, the fund's risks are<br />directly related to the risks of the underlying funds. For this reason, it is<br />important to understand the risks associated with investing in the underlying<br />funds.<br /> <br />Market conditions - The prices of, and the income generated by, the bonds and<br />other securities held by the underlying funds may decline due to market<br />conditions and other factors, including those directly involving the issuers of<br />securities held by the underlying funds.<br /> <br />Investing in stocks - Investing in stocks may involve larger price swings and<br />greater potential for loss than other types of investments. As a result, the<br />value of the underlying funds may be subject to sharp, short-term declines in<br />value. Income provided by an underlying fund may be reduced by changes in the<br />dividend policies of, and the capital resources available at, the companies in<br />which the underlying fund invests.These risks will be more significant for the<br />fund in the years preceding its target date because a greater proportion of the<br />fund's assets will consist of underlying funds that primarily invest in stocks.<br /> <br />Investing in bonds - Rising interest rates will generally cause the prices of<br />bonds and other debt securities to fall. Longer maturity debt securities may be<br />subject to greater price fluctuations than shorter maturity debt securities. In<br />addition, falling interest rates may cause an issuer to redeem, call or<br />refinance a security before its stated maturity, which may result in the<br />underlying fund having to reinvest the proceeds in lower yielding securities.<br /> <br />Bonds and other debt securities are subject to credit risk, which is the<br />possibility that the credit strength of an issuer will weaken and/or an issuer<br />of a debt security will fail to make timely payments of principal or interest<br />and the security will go into default. Credit risk is gauged, in part, by the<br />credit ratings of the securities in which the underlying fund invests. However,<br />ratings are only the opinions of the rating agencies issuing them and are not<br />guarantees as to credit quality or an evaluation of market risk. These risks<br />will be more significant as the fund approaches and passes its target date<br />because a greater proportion of the fund's assets will consist of underlying<br />funds that primarily invest in bonds.<br /> <br />Investing in lower rated bonds - Lower rated bonds and other lower rated debt<br />securities generally have higher rates of interest and involve greater risk of<br />default or price declines due to changes in the issuer's creditworthiness than<br />those of higher quality debt securities. The market prices of these securities<br />may fluctuate more than the prices of higher quality debt securities and may<br />decline significantly in periods of general economic difficulty. These risks may<br />be increased with respect to investments in bonds rated Ba1 or BB+ or below by<br />Nationally Recognized Statistical Rating Organizations or unrated but determined<br />by the underlying fund's investment adviser to be of equivalent quality. Such<br />securities are considered speculative and are sometimes referred to as "junk<br />bonds." The value of the underlying funds may be similarly affected.<br /> <br />Investing outside the United States - Securities of issuers domiciled outside<br />the United States, or with significant operations outside the United States, may<br />lose value because of adverse political, social, economic or market developments<br />in the countries or regions in which the issuer operates. These securities may<br />also lose value due to changes in foreign currency exchange rates against the<br />U.S. dollar and/or currencies of other countries. Securities markets in certain<br />countries may be more volatile and/or less liquid than those in the United<br />States. Investments outside the United States may also be subject to different<br />settlement and accounting practices and different regulatory, legal and<br />reporting standards, and may be more difficult to value, than those in the<br />United States. The risks of investing outside the United States may be<br />heightened in connection with investments in emerging markets.<br /> <br />Management - The investment adviser to the fund and to the underlying funds<br />actively manages each underlying fund's investments. Consequently, the<br />underlying funds are subject to the risk that the methods and analyses employed<br />by the investment adviser in this process may not produce the desired results.<br />This could cause an underlying fund to lose value or its investment results to<br />lag relevant benchmarks or other funds with similar objectives.<br />&#xA0;&#xA0;<br />Your investment in the fund is not a bank deposit and is not insured or<br />guaranteed by the Federal Deposit Insurance Corporation or any other<br />governmental agency, entity or person. You should consider how this fund fits<br />into your overall investment program.</tt> Fees and expenses of the fund Principal investment strategies americanfunds.com <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results. This information provides some indication of the risks of investing in<br />the fund. The MSCI All Country World ex USA Index represents a portion of the<br />equity securities in which certain underlying funds may invest. The Barclays<br />U.S. Aggregate Index represents a portion of the fixed-income securities in<br />which certain underlying funds may invest. Past investment results are not<br />predictive of future investment results. Updated information on the fund's<br />investment results can be obtained by visiting americanfunds.com.</tt> <tt>This table describes the fees and expenses that you may pay if you buy and hold<br />shares of the fund. You may qualify for a Class A sales charge discount if you<br />and your family invest, or agree to invest in the future, at least $25,000 in<br />American Funds. More information about these and other discounts is available<br />from your financial professional and in the "Sales charge reductions and<br />waivers" section on page 77 of the prospectus and on page 71 of the fund's<br />statement of additional information.</tt> <div style="display:none">~ http://www.americanfunds.com/role/OperatingExpensesData_S000015558Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/PerformanceTableData_S000015558Member column dei_LegalEntityAxis compact * column rr_PerformanceMeasureAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Your investment in the fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency, entity or person. <div style="display:none">~ http://www.americanfunds.com/role/ShareholderFeesData_S000015558Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Barclays U.S. Aggregate Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0784 0.0663 2007-02-01 MSCI All Country World ex USA Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) -0.1371 -0.0330 2007-02-01 S&P 500 (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0209 -0.0067 2007-02-01 RFDTX 0 0.0000 Share class R-6 43 157 -0.0010 643 281 -0.0097 0.0003 0.0010 2013-12-31 0.00 0.0000 0.0042 0.0052 0.1326 2009-07-13 0.0039 0.0000 REDTX 0 0.0000 Share class R-5 47 169 -0.0010 692 303 -0.0101 0.0007 0.0010 2013-12-31 0.00 0.0000 0.0046 0.0056 0.0063 2007-02-01 0.0039 0.0000 RDDTX 0 0.0000 Share class R-4 78 264 -0.0010 1052 467 -0.0130 0.0012 0.0010 2013-12-31 0.00 0.0025 0.0076 0.0086 0.0034 2007-02-01 0.0039 0.0000 RCDTX 0 0.0000 Share class R-3 111 368 -0.0010 1434 645 -0.0161 0.0020 0.0010 2013-12-31 0.00 0.0050 0.0109 0.0119 0.0002 2007-02-01 0.0039 0.0000 RBDTX 0 0.0000 Share class R-2 149 483 -0.0010 1848 840 -0.0199 0.0032 0.0010 2013-12-31 0.00 0.0075 0.0146 0.0156 -0.0040 2007-02-01 0.0039 0.0000 RADTX 0 0.0000 Share class R-1 157 508 -0.0010 1935 882 -0.0204 0.0015 0.0010 2013-12-31 0.00 0.0100 0.0154 0.0164 -0.0040 2007-02-01 0.0039 0.0000 AADTX 0 Lowest Highest 0.0575 2012-09-30 Share class A 648 2009-06-30 824 -0.1888 -0.0010 0.1224 1566 1015 0.1602 -0.0699 0.0014 -0.3475 0.0010 2013-12-31 2008-12-31 0.2943 The fund's total return for the nine months ended -0.0131 0.00 0.0023 0.0076 0.0086 -0.0085 2007-02-01 0.1283 0.0039 0.0100 <tt>The fund pays transaction costs, such as commissions, when it buys and sells <br />securities (or "turns over" its portfolio). A higher portfolio turnover rate may <br />indicate higher transaction costs and may result in higher taxes when fund shares <br />are held in a taxable account. These costs, which are not reflected in annual fund <br />operating expenses or in the example, affect the fund's investment results. During <br />the most recent fiscal year, the fund's portfolio turnover rate was 4% of the <br />average value of its portfolio.</tt> <div style="display:none">~ http://www.americanfunds.com/role/ExpenseExample_S000015557Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/BarChartData_S000015557Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <tt>Depending on the proximity to its target date, the fund will seek to achieve the<br />following objectives to varying degrees: growth, income and conservation of<br />capital. The fund will increasingly emphasize income and conservation of capital<br />by investing a greater portion of its assets in bond, equity income and balanced<br />funds as it approaches and passes its target date. In this way, the fund seeks<br />to balance total return and stability over time.</tt> <tt>This example is intended to help you compare the cost of investing in<br />the fund with the cost of investing in other mutual funds.<br /> <br />The example assumes that you invest $10,000 in the fund for the time periods<br />indicated and then redeem all of your shares at the end of those periods. The<br />example also assumes that your investment has a 5% return each year and that the<br />fund's operating expenses remain the same.</tt> <tt>The fund will attempt to achieve its investment objectives by investing in a mix<br />of American Funds in different combinations and weightings. The underlying<br />American Funds represent a variety of fund categories such as growth funds,<br />growth-and-income funds, equity-income funds and a balanced fund and bond funds.<br />The fund categories represent differing investment objectives. For example,<br />growth funds seek long-term growth primarily through investing in both U.S.<br />stocks and stocks of issuers domiciled outside the U.S. Growth-and-income funds<br />seek long-term growth and income primarily through investments in stocks.<br />Equity-income and balanced funds generally strive for income and growth through<br />stocks and/or bond investments, while bond funds seek current income through<br />bond investments.<br /> <br />The investment adviser may periodically rebalance or modify the asset mix of the<br />funds and change the underlying fund investments. According to its current<br />investment approach, the investment adviser will continue to manage the fund for<br />approximately thirty years after the fund reaches its target date. Thirty years<br />after its target date, the fund may be combined with other funds in a single<br />portfolio with an investment allocation that will not evolve beyond that which<br />is in effect at that time.<br /> <br />The following chart illustrates the current investment approach of the fund by<br />showing how its investment in the various fund categories will change over time.<br /> <br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;Current investment approach<br /><br />Growth funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%<br />Growth-and-income funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;<br />Equity-income and balanced funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;40% <br />Bond funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;&#xA0;55%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;60%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;60%&#xA0;&#xA0;&#xA0;<br /><br />Years to retirement&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;Retire&#xA0;&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30 <br />&#xA0;&#xA0;<br />The investment adviser anticipates that the fund will invest its assets within a<br />range that deviates no more than 10% above or below the investment approach set<br />forth above. For example, a 40% target allocation to growth funds is not<br />expected to be greater than 50% nor less than 30%. The investment adviser will<br />continuously monitor the fund and may make modifications to either the<br />investment approach or the underlying fund allocations that the investment<br />adviser believes could benefit shareholders.</tt> American Funds 2020 Target Date Retirement Fund® You may qualify for a Class A sales charge discount if you and your family invest, or agree to invest in the future, at least $25,000 in American Funds. Example Investment objectives Past investment results are not predictive of future investment results. The MSCI All Country World ex USA Index represents a portion of the equity securities in which certain underlying funds may invest. The Barclays U.S. Aggregate Index represents a portion of the fixed-income securities in which certain underlying funds may invest. You may lose money by investing in the fund. Principal risks Shareholder fees (fees paid directly from your investment) Although your actual costs may be higher or lower, based on these assumptions your costs would be: 0.04 Calendar year total returns for Class A shares (Results do not include a sales charge; if a sales charge were included, results would be lower.) (Results do not include a sales charge; if a sales charge were included, results would be lower.) Investment result 25000 The following bar chart shows how the fund's investment results have varied from year to year, and the following table shows how the fund's average annual total returns for various periods compare with different broad measures of market results. <tt>Highest/Lowest quarterly results during this time period were:<br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;<br />Highest&#xA0;&#xA0;&#xA0;14.87% (quarter ended June 30, 2009)<br />Lowest&#xA0;&#xA0;&#xA0;-17.32% (quarter ended December 31, 2008)<br /> <br />The fund's total return for the nine months ended September 30, 2012, was<br />10.81%.</tt> Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment) Average annual total returns For the periods ended December 31, 2011 (with maximum sales charge): <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results.</tt> Portfolio turnover <tt>This section describes the principal risks associated with the fund's principal<br />investment strategies. You may lose money by investing in the fund. The<br />likelihood of loss may be greater if you invest for a shorter period of time.<br />Investors in the fund should have a long-term perspective and be able to<br />tolerate potentially sharp declines in value.<br /> <br />Allocation risk - Investments in the fund are subject to risks related to the<br />investment adviser's allocation choices. The selection of the underlying funds<br />and the allocation of the fund's assets could cause the fund to lose value or<br />its results to lag relevant benchmarks or other funds with similar objectives.<br />For investors who are close to or in retirement, the fund's equity exposure may<br />result in investment volatility that could reduce an investor's available<br />retirement assets at a time when the investor has a need to withdraw funds. For<br />investors who are farther from retirement, there is a risk the fund may invest<br />too much in investments designed to ensure capital conservation and current<br />income, which may prevent the investor from meeting his or her retirement goals.<br /> <br />Fund structure - The fund invests in underlying funds and incurs expenses<br />related to the underlying funds. In addition, investors in the fund will incur<br />fees to pay for certain expenses related to the operations of the fund. An<br />investor holding the underlying funds directly and in the same proportions as<br />the fund would incur lower overall expenses but would not receive the benefit of<br />the portfolio management and other services provided by the fund.<br /> <br />Because the fund's investments consist of underlying funds, the fund's risks are<br />directly related to the risks of the underlying funds. For this reason, it is<br />important to understand the risks associated with investing in the underlying<br />funds.<br /> <br />Market conditions - The prices of, and the income generated by, the bonds and<br />other securities held by the underlying funds may decline due to market<br />conditions and other factors, including those directly involving the issuers of<br />securities held by the underlying funds.<br /> <br />Investing in stocks - Investing in stocks may involve larger price swings and<br />greater potential for loss than other types of investments. As a result, the<br />value of the underlying funds may be subject to sharp, short-term declines in<br />value. Income provided by an underlying fund may be reduced by changes in the<br />dividend policies of, and the capital resources available at, the companies in<br />which the underlying fund invests.These risks will be more significant for the<br />fund in the years preceding its target date because a greater proportion of the<br />fund's assets will consist of underlying funds that primarily invest in stocks.<br /> <br />Investing in bonds - Rising interest rates will generally cause the prices of<br />bonds and other debt securities to fall. Longer maturity debt securities may be<br />subject to greater price fluctuations than shorter maturity debt securities. In<br />addition, falling interest rates may cause an issuer to redeem, call or<br />refinance a security before its stated maturity, which may result in the<br />underlying fund having to reinvest the proceeds in lower yielding securities.<br /> <br />Bonds and other debt securities are subject to credit risk, which is the<br />possibility that the credit strength of an issuer will weaken and/or an issuer<br />of a debt security will fail to make timely payments of principal or interest<br />and the security will go into default. Credit risk is gauged, in part, by the<br />credit ratings of the securities in which the underlying fund invests. However,<br />ratings are only the opinions of the rating agencies issuing them and are not<br />guarantees as to credit quality or an evaluation of market risk. These risks<br />will be more significant as the fund approaches and passes its target date<br />because a greater proportion of the fund's assets will consist of underlying<br />funds that primarily invest in bonds.<br /> <br />Investing in lower rated bonds - Lower rated bonds and other lower rated debt<br />securities generally have higher rates of interest and involve greater risk of<br />default or price declines due to changes in the issuer's creditworthiness than<br />those of higher quality debt securities. The market prices of these securities<br />may fluctuate more than the prices of higher quality debt securities and may<br />decline significantly in periods of general economic difficulty. These risks may<br />be increased with respect to investments in bonds rated Ba1 or BB+ or below by<br />Nationally Recognized Statistical Rating Organizations or unrated but determined<br />by the underlying fund's investment adviser to be of equivalent quality. Such<br />securities are considered speculative and are sometimes referred to as "junk<br />bonds." The value of the underlying funds may be similarly affected.<br /> <br />Investing outside the United States - The prices of securities of issuers<br />domiciled outside the United States or with significant operations outside the<br />United States may decline due to conditions specific to the countries or regions<br />in which the issuer is domiciled or operates, including adverse political,<br />social, economic or market changes in such countries or regions. The securities<br />of issuers domiciled in certain countries outside the United States may be more<br />volatile, less liquid and/or more difficult to value than those of U.S. issuers.<br />Issuers in countries outside the United States may also be subject to different<br />tax and accounting policies and different auditing, reporting, legal and<br />regulatory standards. In addition, the value of investments outside the United<br />States may be reduced by foreign taxes, including foreign withholding taxes on<br />interest and dividends. Issuers in countries outside the United States may also<br />be subject to different government and legal systems that make it difficult for<br />the underlying fund to exercise its rights as a shareholder of the company.<br />Further, there may be increased risks of delayed settlement of securities<br />purchased or sold by an underlying fund. These investments may also be affected<br />by changes in foreign currency exchange rates against the U.S. dollar and/or<br />currencies of other countries. The risks of investing outside the United States<br />may be heightened in connection with investments in emerging markets.<br /> <br />Management - The investment adviser to the fund and to the underlying funds<br />actively manages each underlying fund's investments. Consequently, the<br />underlying funds are subject to the risk that the methods and analyses employed<br />by the investment adviser in this process may not produce the desired results.<br />This could cause an underlying fund to lose value or its investment results to<br />lag relevant benchmarks or other funds with similar objectives.<br /> <br />Your investment in the fund is not a bank deposit and is not insured or<br />guaranteed by the Federal Deposit Insurance Corporation or any other<br />governmental agency, entity or person. You should consider how this fund fits<br />into your overall investment program.</tt> Fees and expenses of the fund Principal investment strategies americanfunds.com <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results. This information provides some indication of the risks of investing in<br />the fund. The MSCI All Country World ex USA Index represents a portion of the<br />equity securities in which certain underlying funds may invest. The Barclays<br />U.S. Aggregate Index represents a portion of the fixed-income securities in<br />which certain underlying funds may invest. Past investment results are not<br />predictive of future investment results. Updated information on the fund's<br />investment results can be obtained by visiting americanfunds.com.</tt> <tt>This table describes the fees and expenses that you may pay if you buy and hold<br />shares of the fund. You may qualify for a Class A sales charge discount if you<br />and your family invest, or agree to invest in the future, at least $25,000 in<br />American Funds. More information about these and other discounts is available<br />from your financial professional and in the "Sales charge reductions and<br />waivers" section on page 77 of the prospectus and on page 71 of the fund's<br />statement of additional information.</tt> <div style="display:none">~ http://www.americanfunds.com/role/OperatingExpensesData_S000015557Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/PerformanceTableData_S000015557Member column dei_LegalEntityAxis compact * column rr_PerformanceMeasureAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Your investment in the fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency, entity or person. <div style="display:none">~ http://www.americanfunds.com/role/ShareholderFeesData_S000015557Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Barclays U.S. Aggregate Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0784 0.0663 2007-02-01 MSCI All Country World ex USA Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) -0.1371 -0.0330 2007-02-01 S&P 500 (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0209 -0.0067 2007-02-01 RRCTX 0 0.0000 Share class R-6 40 147 -0.0010 606 264 0.0110 0.0002 0.0010 2013-12-31 0.00 0.0000 0.0039 0.0049 0.1298 2009-07-13 0.0037 0.0000 RECTX 0 0.0000 Share class R-5 45 163 -0.0010 667 292 0.0106 0.0007 0.0010 2013-12-31 0.00 0.0000 0.0044 0.0054 0.0104 2007-02-01 0.0037 0.0000 RDCTX 0 0.0000 Share class R-4 76 258 -0.0010 1028 456 0.0077 0.0012 0.0010 2013-12-31 0.00 0.0025 0.0074 0.0084 0.0075 2007-02-01 0.0037 0.0000 RCCTX 0 0.0000 Share class R-3 108 359 -0.0010 1400 629 0.0046 0.0019 0.0010 2013-12-31 0.00 0.0050 0.0106 0.0116 0.0042 2007-02-01 0.0037 0.0000 RBCTX 0 0.0000 Share class R-2 147 477 -0.0010 1826 830 0.0010 0.0032 0.0010 2013-12-31 0.00 0.0075 0.0144 0.0154 0.0002 2007-02-01 0.0037 0.0000 RACTX 0 0.0000 Share class R-1 155 501 -0.0010 1914 872 0.0006 0.0015 0.0010 2013-12-31 0.00 0.0100 0.0152 0.0162 0.0001 2007-02-01 0.0037 0.0000 AACTX 0 Lowest Highest 0.0575 2012-09-30 Share class A 646 2009-06-30 818 -0.1732 -0.0010 0.1084 1544 1005 0.1487 -0.0499 0.0014 -0.3246 0.0010 2013-12-31 2008-12-31 0.2679 The fund's total return for the nine months ended 0.0077 0.00 0.0023 0.0074 0.0084 -0.0046 2007-02-01 0.1081 0.0037 0.0100 <tt>The fund pays transaction costs, such as commissions, when it buys and sells <br />securities (or "turns over" its portfolio). A higher portfolio turnover rate may <br />indicate higher transaction costs and may result in higher taxes when fund shares <br />are held in a taxable account. These costs, which are not reflected in annual fund<br />operating expenses or in the example, affect the fund's investment results. During <br />the most recent fiscal year, the fund's portfolio turnover rate was 8% of the <br />average value of its portfolio.</tt> <div style="display:none">~ http://www.americanfunds.com/role/ExpenseExample_S000015556Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/BarChartData_S000015556Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <tt>Depending on the proximity to its target date, the fund will seek to achieve the<br />following objectives to varying degrees: growth, income and conservation of<br />capital. The fund will increasingly emphasize income and conservation of capital<br />by investing a greater portion of its assets in bond, equity income and balanced<br />funds as it approaches and passes its target date. In this way, the fund seeks<br />to balance total return and stability over time.</tt> <tt>This example is intended to help you compare the cost of investing in<br />the fund with the cost of investing in other mutual funds.<br /> <br />The example assumes that you invest $10,000 in the fund for the time periods<br />indicated and then redeem all of your shares at the end of those periods. The<br />example also assumes that your investment has a 5% return each year and that the<br />fund's operating expenses remain the same.</tt> <tt>The fund will attempt to achieve its investment objectives by investing in a mix<br />of American Funds in different combinations and weightings. The underlying<br />American Funds represent a variety of fund categories such as growth funds,<br />growth-and-income funds, equity-income funds and a balanced fund and bond funds.<br />The fund categories represent differing investment objectives. For example,<br />growth funds seek long-term growth primarily through investing in both U.S.<br />stocks and stocks of issuers domiciled outside the U.S. Growth-and-income funds<br />seek long-term growth and income primarily through investments in stocks.<br />Equity-income and balanced funds generally strive for income and growth through<br />stocks and/or bond investments, while bond funds seek current income through<br />bond investments.<br /> <br />The investment adviser may periodically rebalance or modify the asset mix of the<br />funds and change the underlying fund investments. According to its current<br />investment approach, the investment adviser will continue to manage the fund for<br />approximately thirty years after the fund reaches its target date. Thirty years<br />after its target date, the fund may be combined with other funds in a single<br />portfolio with an investment allocation that will not evolve beyond that which<br />is in effect at that time.<br /> <br />The following chart illustrates the current investment approach of the fund by<br />showing how its investment in the various fund categories will change over time.<br /> <br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;Current investment approach<br /><br />Growth funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;<br />Growth-and-income funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%<br />Equity-income and balanced funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;40%<br />Bond funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;55%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;60%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;60%<br /><br />Years to retirement&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;Retire&#xA0;&#xA0;&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30 <br />&#xA0;&#xA0;<br />The investment adviser anticipates that the fund will invest its assets within a<br />range that deviates no more than 10% above or below the investment approach set<br />forth above. For example, a 40% target allocation to growth funds is not<br />expected to be greater than 50% nor less than 30%. The investment adviser will<br />continuously monitor the fund and may make modifications to either the<br />investment approach or the underlying fund allocations that the investment<br />adviser believes could benefit shareholders.</tt> American Funds 2015 Target Date Retirement Fund® You may qualify for a Class A sales charge discount if you and your family invest, or agree to invest in the future, at least $25,000 in American Funds. Example Investment objectives Past investment results are not predictive of future investment results. The MSCI All Country World ex USA Index represents a portion of the equity securities in which certain underlying funds may invest. The Barclays U.S. Aggregate Index represents a portion of the fixed-income securities in which certain underlying funds may invest. You may lose money by investing in the fund. Principal risks Shareholder fees (fees paid directly from your investment) Although your actual costs may be higher or lower, based on these assumptions your costs would be: 0.08 Calendar year total returns for Class A shares (Results do not include a sales charge; if a sales charge were included, results would be lower.) (Results do not include a sales charge; if a sales charge were included, results would be lower.) Investment results 25000 The following bar chart shows how the fund's investment results have varied from year to year, and the following table shows how the fund's average annual total returns for various periods compare with different broad measures of market results. <tt>Highest/Lowest quarterly results during this time period were:<br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;<br />Highest&#xA0;&#xA0;&#xA0;13.47% (quarter ended June 30, 2009)<br />Lowest&#xA0;&#xA0;&#xA0;-15.28% (quarter ended December 31, 2008)<br /> <br />The fund's total return for the nine months ended September 30, 2012, was<br />9.77%.</tt> Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment) Average annual total returns For the periods ended December 31, 2011 (with maximum sales charge): <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results.</tt> Portfolio turnover <tt>This section describes the principal risks associated with the fund's principal<br />investment strategies. You may lose money by investing in the fund. The<br />likelihood of loss may be greater if you invest for a shorter period of time.<br />Investors in the fund should have a long-term perspective and be able to<br />tolerate potentially sharp declines in value.<br /> <br />Allocation risk - Investments in the fund are subject to risks related to the<br />investment adviser's allocation choices. The selection of the underlying funds<br />and the allocation of the fund's assets could cause the fund to lose value or<br />its results to lag relevant benchmarks or other funds with similar objectives.<br />For investors who are close to or in retirement, the fund's equity exposure may<br />result in investment volatility that could reduce an investor's available<br />retirement assets at a time when the investor has a need to withdraw funds. For<br />investors who are farther from retirement, there is a risk the fund may invest<br />too much in investments designed to ensure capital conservation and current<br />income, which may prevent the investor from meeting his or her retirement goals.<br /> <br />Fund structure - The fund invests in underlying funds and incurs expenses<br />related to the underlying funds. In addition, investors in the fund will incur<br />fees to pay for certain expenses related to the operations of the fund. An<br />investor holding the underlying funds directly and in the same proportions as<br />the fund would incur lower overall expenses but would not receive the benefit of<br />the portfolio management and other services provided by the fund.<br /> <br />Because the fund's investments consist of underlying funds, the fund's risks are<br />directly related to the risks of the underlying funds. For this reason, it is<br />important to understand the risks associated with investing in the underlying<br />funds.<br /> <br />Market conditions - The prices of, and the income generated by, the common<br />stocks, bonds and other securities held by the underlying funds may decline due<br />to market conditions and other factors, including those directly involving the<br />issuers of securities held by the underlying funds.<br /> <br />Investing in stocks - Investing in stocks may involve larger price swings and<br />greater potential for loss than other types of investments. As a result, the<br />value of the underlying funds may be subject to sharp, short-term declines in<br />value. Income provided by an underlying fund may be reduced by changes in the<br />dividend policies of, and the capital resources available at, the companies in<br />which the underlying fund invests.These risks will be more significant for the<br />fund in the years preceding its target date because a greater proportion of the<br />fund's assets will consist of underlying funds that primarily invest in stocks.<br /> <br />Investing in bonds - Rising interest rates will generally cause the prices of<br />bonds and other debt securities to fall. Longer maturity debt securities may be<br />subject to greater price fluctuations than shorter maturity debt securities. In<br />addition, falling interest rates may cause an issuer to redeem, call or<br />refinance a security before its stated maturity, which may result in the<br />underlying fund having to reinvest the proceeds in lower yielding securities.<br /> <br />Bonds and other debt securities are subject to credit risk, which is the<br />possibility that the credit strength of an issuer will weaken and/or an issuer<br />of a debt security will fail to make timely payments of principal or interest<br />and the security will go into default. Credit risk is gauged, in part, by the<br />credit ratings of the securities in which the underlying fund invests. However,<br />ratings are only the opinions of the rating agencies issuing them and are not<br />guarantees as to credit quality or an evaluation of market risk. These risks<br />will be more significant as the fund approaches and passes its target date<br />because a greater proportion of the fund's assets will consist of underlying<br />funds that primarily invest in bonds.<br /> <br />Investing in lower rated bonds - Lower rated bonds and other lower rated debt<br />securities generally have higher rates of interest and involve greater risk of<br />default or price declines due to changes in the issuer's creditworthiness than<br />those of higher quality debt securities. The market prices of these securities<br />may fluctuate more than the prices of higher quality debt securities and may<br />decline significantly in periods of general economic difficulty. These risks may<br />be increased with respect to investments in bonds rated Ba1 or BB+ or below by<br />Nationally Recognized Statistical Rating Organizations or unrated but determined<br />by the underlying fund's investment adviser to be of equivalent quality. Such<br />securities are considered speculative and are sometimes referred to as "junk<br />bonds." The value of the underlying funds may be similarly affected.<br /> <br />Investing outside the United States - Securities of issuers domiciled outside<br />the United States, or with significant operations outside the United States, may<br />lose value because of adverse political, social, economic or market developments<br />in the countries or regions in which the issuer operates. These securities may<br />also lose value due to changes in foreign currency exchange rates against the<br />U.S. dollar and/or currencies of other countries. Securities markets in certain<br />countries may be more volatile and/or less liquid than those in the United<br />States. Investments outside the United States may also be subject to different<br />settlement and accounting practices and different regulatory, legal and<br />reporting standards, and may be more difficult to value, than those in the<br />United States. The risks of investing outside the United States may be<br />heightened in connection with investments in emerging markets.<br /> <br />Management - The investment adviser to the fund and to the underlying funds<br />actively manages the underlying fund's investments. Consequently, the underlying<br />funds are subject to the risk that the methods and analyses employed by the<br />investment adviser in this process may not produce the desired results. This<br />could cause an underlying fund to lose value or its investment results to lag<br />relevant benchmarks or other funds with similar objectives.<br /> <br />Your investment in the fund is not a bank deposit and is not insured or<br />guaranteed by the Federal Deposit Insurance Corporation or any other<br />governmental agency, entity or person. You should consider how this fund fits<br />into your overall investment program.</tt> Fees and expenses of the fund Principal investment strategies americanfunds.com <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results. This information provides some indication of the risks of investing in<br />the fund. The MSCI All Country World ex USA Index represents a portion of the<br />equity securities in which certain underlying funds may invest. The Barclays<br />U.S. Aggregate Index represents a portion of the fixed-income securities in<br />which certain underlying funds may invest. Past investment results are not<br />predictive of future investment results. Updated information on the fund's<br />investment results can be obtained by visiting americanfunds.com.</tt> <tt>This table describes the fees and expenses that you may pay if you buy and hold<br />shares of the fund. You may qualify for a Class A sales charge discount if you<br />and your family invest, or agree to invest in the future, at least $25,000 in<br />American Funds. More information about these and other discounts is available<br />from your financial professional and in the "Sales charge reductions and<br />waivers" section on page 77 of the prospectus and on page 71 of the fund's<br />statement of additional information.</tt> <div style="display:none">~ http://www.americanfunds.com/role/OperatingExpensesData_S000015556Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/PerformanceTableData_S000015556Member column dei_LegalEntityAxis compact * column rr_PerformanceMeasureAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Your investment in the fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency, entity or person. <div style="display:none">~ http://www.americanfunds.com/role/ShareholderFeesData_S000015556Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Barclays U.S. Aggregate Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0784 0.0663 2007-02-01 MSCI All Country World ex USA Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) -0.1371 -0.0330 2007-02-01 S&P 500 (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0209 -0.0067 2007-02-01 RFJTX 0 0.0000 Share class R-6 38 141 -0.0010 582 253 0.0231 0.0003 0.0010 2013-12-31 0.00 0.0000 0.0037 0.0047 0.1256 2009-07-13 0.0034 0.0000 RBJTX 0 0.0000 Share class R-2 144 467 -0.0010 1793 814 0.0130 0.0032 0.0010 2013-12-31 0.00 0.0075 0.0141 0.0151 0.0061 2007-02-01 0.0034 0.0000 RAJTX 0 0.0000 Share class R-1 152 492 -0.0010 1881 856 0.0113 0.0015 0.0010 2013-12-31 0.00 0.0100 0.0149 0.0159 0.0057 2007-02-01 0.0034 0.0000 AABTX 0 Lowest Highest 0.0575 2012-09-30 Share class A 645 2009-06-30 815 -0.1528 -0.0010 0.0986 1533 1000 0.1347 -0.0403 0.0015 -0.2908 0.0010 2013-12-31 2008-12-31 0.2458 The fund's total return for the nine months ended 0.0185 0.00 0.0024 0.0073 0.0083 0.0009 2007-02-01 0.0977 0.0034 0.0100 REJTX 0 0.0000 Share class R-5 42 153 -0.0010 631 275 0.0226 0.0007 0.0010 2013-12-31 0.00 0.0000 0.0041 0.0051 0.0164 2007-02-01 0.0034 0.0000 RDBTX 0 0.0000 Share class R-4 73 249 -0.0010 992 440 0.0197 0.0012 0.0010 2013-12-31 0.00 0.0025 0.0071 0.0081 0.0132 2007-02-01 0.0034 0.0000 RCJTX 0 0.0000 Share class R-3 106 352 -0.0010 1377 618 0.0166 0.0020 0.0010 2013-12-31 0.00 0.0050 0.0104 0.0114 0.0099 2007-02-01 0.0034 0.0000 <tt>The fund pays transaction costs, such as commissions, when it buys and sells <br />securities (or "turns over" its portfolio). A higher portfolio turnover rate may <br />indicate higher transaction costs and may result in higher taxes when fund shares <br />are held in a taxable account. These costs, which are not reflected in annual fund <br />operating expenses or in the example, affect the fund's investment results. During <br />the most recent fiscal year, the fund's portfolio turnover rate was 10% of the<br />average value of its portfolio.</tt> <div style="display:none">~ http://www.americanfunds.com/role/ExpenseExample_S000015555Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/BarChartData_S000015555Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <tt>Depending on the proximity to its target date, the fund will seek to achieve the<br />following objectives to varying degrees: growth, income and conservation of<br />capital. The fund will increasingly emphasize income and conservation of capital<br />by investing a greater portion of its assets in bond, equity income and balanced<br />funds as it approaches and passes its target date. In this way, the fund seeks<br />to balance total return and stability over time.</tt> <tt>This example is intended to help you compare the cost of investing in<br />the fund with the cost of investing in other mutual funds.<br /> <br />The example assumes that you invest $10,000 in the fund for the time periods<br />indicated and then redeem all of your shares at the end of those periods. The<br />example also assumes that your investment has a 5% return each year and that the<br />fund's operating expenses remain the same.</tt> <tt>The fund will attempt to achieve its investment objectives by investing in a mix<br />of American Funds in different combinations and weightings. The underlying<br />American Funds represent a variety of fund categories such as growth funds,<br />growth-and-income funds, equity-income funds and a balanced fund and bond funds.<br />The fund categories represent differing investment objectives. For example,<br />growth funds seek long-term growth primarily through investing in both U.S.<br />stocks and stocks of issuers domiciled outside the U.S. Growth-and-income funds<br />seek long-term growth and income primarily through investments in stocks.<br />Equity-income and balanced funds generally strive for income and growth through<br />stocks and/or bond investments, while bond funds seek current income through<br />bond investments.<br /> <br />The investment adviser may periodically rebalance or modify the asset mix of the<br />funds and change the underlying fund investments. According to its current<br />investment approach, the investment adviser will continue to manage the fund for<br />approximately thirty years after the fund reaches its target date. Thirty years<br />after its target date, the fund's investment allocation will not evolve beyond<br />that which is in effect at that time.<br /> <br />The following chart illustrates the current investment approach of the fund by<br />showing how its investment in the various fund categories will change over time.<br /> <br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;Current investment approach<br /><br /><br />Growth funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;<br />Growth-and-income funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;5%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;0%<br />Equity-income and balanced funds&#xA0;&#xA0;&#xA0;25%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;35%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;40%<br />Bond funds&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;45%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;50%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;55%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;60%&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;60%&#xA0;&#xA0;<br /><br />Years to retirement&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;Retire&#xA0;&#xA0;&#xA0;5&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;10&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;15&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;20&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;25&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;30&#xA0;&#xA0;&#xA0;<br />&#xA0;&#xA0;<br />The investment adviser anticipates that the fund will invest its assets within a<br />range that deviates no more than 10% above or below the investment approach set<br />forth above. For example, a 40% target allocation to growth funds is not<br />expected to be greater than 50% nor less than 30%. The investment adviser will<br />continuously monitor the fund and may make modifications to either the<br />investment approach or the underlying fund allocations that the investment<br />adviser believes could benefit shareholders.</tt> American Funds 2010 Target Date Retirement Fund® You may qualify for a Class A sales charge discount if you and your family invest, or agree to invest in the future, at least $25,000 in American Funds. Example Investment objectives Past investment results are not predictive of future investment results. The MSCI All Country World ex USA Index represents a portion of the equity securities in which certain underlying funds may invest. The Barclays U.S. Aggregate Index represents a portion of the fixed-income securities in which certain underlying funds may invest. You may lose money by investing in the fund. Principal risks Shareholder fees (fees paid directly from your investment) Although your actual costs may be higher or lower, based on these assumptions your costs would be: 0.10 Calendar year total returns for Class A shares (Results do not include a sales charge; if a sales charge were included, results would be lower.) (Results do not include a sales charge; if a sales charge were included, results would be lower.) Investment results 25000 The following bar chart shows how the fund's investment results have varied from year to year, and the following table shows how the fund's average annual total returns for various periods compare with different broad measures of market results. <tt>Highest/Lowest quarterly results during this time period were:<br />&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;&#xA0;<br />Highest&#xA0;&#xA0;&#xA0;12.72% (quarter ended June 30, 2009)<br />Lowest&#xA0;&#xA0;&#xA0;-14.15% (quarter ended December 31, 2008)<br /> <br />The fund's total return for the nine months ended September 30, 2012, was<br />8.91%.</tt> Annual fund operating expenses (expenses that you pay each year as a percentage of the value of your investment) Average annual total returns For the periods ended December 31, 2011 (with maximum sales charge): <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results.</tt> Portfolio turnover <tt>This section describes the principal risks associated with the fund's principal<br />investment strategies. You may lose money by investing in the fund. The<br />likelihood of loss may be greater if you invest for a shorter period of time.<br />Investors in the fund should have a long-term perspective and be able to<br />tolerate potentially sharp declines in value.<br /> <br />Allocation risk - Investments in the fund are subject to risks related to the<br />investment adviser's allocation choices. The selection of the underlying funds<br />and the allocation of the fund's assets could cause the fund to lose value or<br />its results to lag relevant benchmarks or other funds with similar objectives.<br />For investors who are close to or in retirement, the fund's equity exposure may<br />result in investment volatility that could reduce an investor's available<br />retirement assets at a time when the investor has a need to withdraw funds. For<br />investors who are farther from retirement, there is a risk the fund may invest<br />too much in investments designed to ensure capital conservation and current<br />income, which may prevent the investor from meeting his or her retirement goals.<br /> <br />Fund structure - The fund invests in underlying funds and incurs expenses<br />related to the underlying funds. In addition, investors in the fund will incur<br />fees to pay for certain expenses related to the operations of the fund. An<br />investor holding the underlying funds directly and in the same proportions as<br />the fund would incur lower overall expenses but would not receive the benefit of<br />the portfolio management and other services provided by the fund.<br /> <br />Because the fund's investments consist of underlying funds, the fund's risks are<br />directly related to the risks of the underlying funds. For this reason, it is<br />important to understand the risks associated with investing in the underlying<br />funds.<br /> <br />Market conditions - The prices of, and the income generated by, the common<br />stocks, bonds and other securities held by the underlying funds may decline due<br />to market conditions and other factors, including those directly involving the<br />issuers of securities held by the underlying funds.<br /> <br />Investing in stocks - Investing in stocks may involve larger price swings and<br />greater potential for loss than other types of investments. As a result, the<br />value of the underlying funds may be subject to sharp, short-term declines in<br />value. Income provided by an underlying fund may be reduced by changes in the<br />dividend policies of, and the capital resources available at, the companies in<br />which the underlying fund invests.These risks will be more significant for the<br />fund in the years preceding its target date because a greater proportion of the<br />fund's assets will consist of underlying funds that primarily invest in stocks.<br /> <br />Investing in bonds - Rising interest rates will generally cause the prices of<br />bonds and other debt securities to fall. Longer maturity debt securities may be<br />subject to greater price fluctuations than shorter maturity debt securities. In<br />addition, falling interest rates may cause an issuer to redeem, call or<br />refinance a security before its stated maturity, which may result in the<br />underlying fund having to reinvest the proceeds in lower yielding securities.<br /> <br />Bonds and other debt securities are subject to credit risk, which is the<br />possibility that the credit strength of an issuer will weaken and/or an issuer<br />of a debt security will fail to make timely payments of principal or interest<br />and the security will go into default. Credit risk is gauged, in part, by the<br />credit ratings of the securities in which the underlying fund invests. However,<br />ratings are only the opinions of the rating agencies issuing them and are not<br />guarantees as to credit quality or an evaluation of market risk. These risks<br />will be more significant as the fund approaches and passes its target date<br />because a greater proportion of the fund's assets will consist of underlying<br />funds that primarily invest in bonds.<br /> <br />Investing in lower rated bonds - Lower rated bonds and other lower rated debt<br />securities generally have higher rates of interest and involve greater risk of<br />default or price declines due to changes in the issuer's creditworthiness than<br />those of higher quality debt securities. The market prices of these securities<br />may fluctuate more than the prices of higher quality debt securities and may<br />decline significantly in periods of general economic difficulty. These risks may<br />be increased with respect to investments in bonds rated Ba1 or BB+ or below by<br />Nationally Recognized Statistical Rating Organizations or unrated but determined<br />by the underlying fund's investment adviser to be of equivalent quality. Such<br />securities are considered speculative and are sometimes referred to as "junk<br />bonds." The value of the underlying funds may be similarly affected.<br /> <br />Investing outside the United States - Securities of issuers domiciled outside<br />the United States, or with significant operations outside the United States, may<br />lose value because of adverse political, social, economic or market developments<br />in the countries or regions in which the issuer operates. These securities may<br />also lose value due to changes in foreign currency exchange rates against the<br />U.S. dollar and/or currencies of other countries. Securities markets in certain<br />countries may be more volatile and/or less liquid than those in the United<br />States. Investments outside the United States may also be subject to different<br />settlement and accounting practices and different regulatory, legal and<br />reporting standards, and may be more difficult to value, than those in the<br />United States. The risks of investing outside the United States may be<br />heightened in connection with investments in emerging markets.<br /> <br />Management - The investment adviser to the fund and to the underlying funds<br />actively manages the underlying fund's investments. Consequently, the underlying<br />funds are subject to the risk that the methods and analyses employed by the<br />investment adviser in this process may not produce the desired results. This<br />could cause an underlying fund to lose value or its investment results to lag<br />relevant benchmarks or other funds with similar objectives.<br /> <br />Your investment in the fund is not a bank deposit and is not insured or<br />guaranteed by the Federal Deposit Insurance Corporation or any other<br />governmental agency, entity or person. You should consider how this fund fits<br />into your overall investment program.</tt> Fees and expenses of the fund Principal investment strategies americanfunds.com <tt>The following bar chart shows how the fund's investment results have varied from<br />year to year, and the following table shows how the fund's average annual total<br />returns for various periods compare with different broad measures of market<br />results. This information provides some indication of the risks of investing in<br />the fund. The MSCI All Country World ex USA Index represents a portion of the<br />equity securities in which certain underlying funds may invest. The Barclays<br />U.S. Aggregate Index represents a portion of the fixed-income securities in<br />which certain underlying funds may invest. Past investment results are not<br />predictive of future investment results. Updated information on the fund's<br />investment results can be obtained by visiting americanfunds.com.</tt> <tt>This table describes the fees and expenses that you may pay if you buy and hold<br />shares of the fund. You may qualify for a Class A sales charge discount if you<br />and your family invest, or agree to invest in the future, at least $25,000 in<br />American Funds. More information about these and other discounts is available<br />from your financial professional and in the "Sales charge reductions and<br />waivers" section on page 77 of the prospectus and on page 71 of the fund's<br />statement of additional information.</tt> <div style="display:none">~ http://www.americanfunds.com/role/OperatingExpensesData_S000015555Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> <div style="display:none">~ http://www.americanfunds.com/role/PerformanceTableData_S000015555Member column dei_LegalEntityAxis compact * column rr_PerformanceMeasureAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Your investment in the fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency, entity or person. <div style="display:none">~ http://www.americanfunds.com/role/ShareholderFeesData_S000015555Member column dei_LegalEntityAxis compact * column rr_ProspectusShareClassAxis compact * row primary compact * ~</div> Barclays U.S. Aggregate Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0784 0.0663 2007-02-01 MSCI All Country World ex USA Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) -0.1371 -0.0330 2007-02-01 S&P 500 (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes) 0.0209 -0.0067 2007-02-01 RFTTX 0 0.0000 Share classes R-6 37 138 -0.0010 569 248 0.0371 0.0003 0.0010 2013-12-31 0.00 0.0000 0.0036 0.0046 0.1264 2009-07-13 0.0033 0.0000 REATX 0 0.0000 Share classes R-5 41 150 -0.0010 619 270 0.0376 0.0007 0.0010 2013-12-31 0.00 0.0000 0.0040 0.0050 0.0199 2007-02-01 0.0033 0.0000 RDATX 0 0.0000 Share classes R-4 72 245 -0.0010 980 434 0.0336 0.0012 0.0010 2013-12-31 0.00 0.0025 0.0070 0.0080 0.0167 2007-02-01 0.0033 0.0000 RCATX 0 0.0000 Share classes R-3 105 349 -0.0010 1366 613 0.0303 0.0020 0.0010 2013-12-31 0.00 0.0050 0.0103 0.0113 0.0134 2007-02-01 0.0033 0.0000 RBATX 0 0.0000 Share classes R-2 144 467 -0.0010 1793 814 0.0268 0.0033 0.0010 2013-12-31 0.00 0.0075 0.0141 0.0151 0.0094 2007-02-01 0.0033 0.0000 RAATX 0 0.0000 Share classes R-1 151 489 -0.0010 1870 851 0.0262 0.0015 0.0010 2013-12-31 0.00 0.0100 0.0148 0.0158 0.0094 2007-02-01 0.0033 0.0000 AAATX 0 Lowest Highest 0.0575 2012-09-30 Share class A 644 2009-06-30 812 -0.1415 -0.0010 0.095 1521 995 0.1272 -0.0263 0.0015 -0.2745 0.0010 2013-12-31 2008-12-31 0.2334 The fund's total return for the nine months ended 0.0336 0.00 0.0024 0.0072 0.0082 0.0044 2007-02-01 0.0891 0.0033 0.0100 0001380175 ck0001380175:SummaryS000015555Memberck0001380175:S000015555Memberck0001380175:C000042375Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015555Memberck0001380175:S000015555Memberck0001380175:C000042376Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015555Memberck0001380175:S000015555Memberck0001380175:C000042377Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015555Memberck0001380175:S000015555Memberck0001380175:C000042378Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015555Memberck0001380175:S000015555Memberck0001380175:C000042379Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015555Memberck0001380175:S000015555Memberck0001380175:C000042380Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015555Memberck0001380175:S000015555Memberck0001380175:C000077951Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015555Memberck0001380175:S000015555Memberck0001380175:RRINDEX00001Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015555Memberck0001380175:S000015555Memberck0001380175:RRINDEX00002Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015555Memberck0001380175:S000015555Memberck0001380175:RRINDEX00003Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015555Memberck0001380175:S000015555Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015556Memberck0001380175:S000015556Memberck0001380175:C000042381Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015556Memberck0001380175:S000015556Memberck0001380175:C000042382Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015556Memberck0001380175:S000015556Memberck0001380175:C000042383Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015556Memberck0001380175:S000015556Memberck0001380175:C000042384Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015556Memberck0001380175:S000015556Memberck0001380175:C000042385Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015556Memberck0001380175:S000015556Memberck0001380175:C000042386Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015556Memberck0001380175:S000015556Memberck0001380175:C000078486Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015556Memberck0001380175:S000015556Memberck0001380175:RRINDEX00001Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015556Memberck0001380175:S000015556Memberck0001380175:RRINDEX00002Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015556Memberck0001380175:S000015556Memberck0001380175:RRINDEX00003Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015556Memberck0001380175:S000015556Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015557Memberck0001380175:S000015557Memberck0001380175:C000042387Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015557Memberck0001380175:S000015557Memberck0001380175:C000042388Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015557Memberck0001380175:S000015557Memberck0001380175:C000042389Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015557Memberck0001380175:S000015557Memberck0001380175:C000042390Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015557Memberck0001380175:S000015557Memberck0001380175:C000042391Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015557Memberck0001380175:S000015557Memberck0001380175:C000042392Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015557Memberck0001380175:S000015557Memberck0001380175:C000078487Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015557Memberck0001380175:S000015557Memberck0001380175:RRINDEX00001Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015557Memberck0001380175:S000015557Memberck0001380175:RRINDEX00002Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015557Memberck0001380175:S000015557Memberck0001380175:RRINDEX00003Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015557Memberck0001380175:S000015557Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015558Memberck0001380175:S000015558Memberck0001380175:C000042393Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015558Memberck0001380175:S000015558Memberck0001380175:C000042394Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015558Memberck0001380175:S000015558Memberck0001380175:C000042395Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015558Memberck0001380175:S000015558Memberck0001380175:C000042396Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015558Memberck0001380175:S000015558Memberck0001380175:C000042397Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015558Memberck0001380175:S000015558Memberck0001380175:C000042398Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015558Memberck0001380175:S000015558Memberck0001380175:C000078488Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015558Memberck0001380175:S000015558Memberck0001380175:RRINDEX00001Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015558Memberck0001380175:S000015558Memberck0001380175:RRINDEX00002Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015558Memberck0001380175:S000015558Memberck0001380175:RRINDEX00003Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015558Memberck0001380175:S000015558Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015559Memberck0001380175:S000015559Memberck0001380175:C000042399Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015559Memberck0001380175:S000015559Memberck0001380175:C000042400Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015559Memberck0001380175:S000015559Memberck0001380175:C000042401Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015559Memberck0001380175:S000015559Memberck0001380175:C000042402Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015559Memberck0001380175:S000015559Memberck0001380175:C000042403Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015559Memberck0001380175:S000015559Memberck0001380175:C000042404Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015559Memberck0001380175:S000015559Memberck0001380175:C000078489Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015559Memberck0001380175:S000015559Memberck0001380175:RRINDEX00001Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015559Memberck0001380175:S000015559Memberck0001380175:RRINDEX00002Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015559Memberck0001380175:S000015559Memberck0001380175:RRINDEX00003Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015559Memberck0001380175:S000015559Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015560Memberck0001380175:S000015560Memberck0001380175:C000042405Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015560Memberck0001380175:S000015560Memberck0001380175:C000042406Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015560Memberck0001380175:S000015560Memberck0001380175:C000042407Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015560Memberck0001380175:S000015560Memberck0001380175:C000042408Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015560Memberck0001380175:S000015560Memberck0001380175:C000042409Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015560Memberck0001380175:S000015560Memberck0001380175:C000042410Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015560Memberck0001380175:S000015560Memberck0001380175:C000078490Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015560Memberck0001380175:S000015560Memberck0001380175:RRINDEX00001Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015560Memberck0001380175:S000015560Memberck0001380175:RRINDEX00002Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015560Memberck0001380175:S000015560Memberck0001380175:RRINDEX00003Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015560Memberck0001380175:S000015560Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015561Memberck0001380175:S000015561Memberck0001380175:C000042411Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015561Memberck0001380175:S000015561Memberck0001380175:C000042412Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015561Memberck0001380175:S000015561Memberck0001380175:C000042413Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015561Memberck0001380175:S000015561Memberck0001380175:C000042414Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015561Memberck0001380175:S000015561Memberck0001380175:C000042415Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015561Memberck0001380175:S000015561Memberck0001380175:C000042416Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015561Memberck0001380175:S000015561Memberck0001380175:C000078491Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015561Memberck0001380175:S000015561Memberck0001380175:RRINDEX00001Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015561Memberck0001380175:S000015561Memberck0001380175:RRINDEX00002Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015561Memberck0001380175:S000015561Memberck0001380175:RRINDEX00003Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015561Memberck0001380175:S000015561Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015562Memberck0001380175:S000015562Memberck0001380175:C000042417Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015562Memberck0001380175:S000015562Memberck0001380175:C000042418Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015562Memberck0001380175:S000015562Memberck0001380175:C000042419Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015562Memberck0001380175:S000015562Memberck0001380175:C000042420Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015562Memberck0001380175:S000015562Memberck0001380175:C000042421Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015562Memberck0001380175:S000015562Memberck0001380175:C000042422Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015562Memberck0001380175:S000015562Memberck0001380175:C000078492Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015562Memberck0001380175:S000015562Memberck0001380175:RRINDEX00001Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015562Memberck0001380175:S000015562Memberck0001380175:RRINDEX00002Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015562Memberck0001380175:S000015562Memberck0001380175:RRINDEX00003Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015562Memberck0001380175:S000015562Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015563Memberck0001380175:S000015563Memberck0001380175:C000042423Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015563Memberck0001380175:S000015563Memberck0001380175:C000042424Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015563Memberck0001380175:S000015563Memberck0001380175:C000042425Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015563Memberck0001380175:S000015563Memberck0001380175:C000042426Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015563Memberck0001380175:S000015563Memberck0001380175:C000042427Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015563Memberck0001380175:S000015563Memberck0001380175:C000042428Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015563Memberck0001380175:S000015563Memberck0001380175:C000078493Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015563Memberck0001380175:S000015563Memberck0001380175:RRINDEX00001Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015563Memberck0001380175:S000015563Memberck0001380175:RRINDEX00002Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015563Memberck0001380175:S000015563Memberck0001380175:RRINDEX00003Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000015563Memberck0001380175:S000015563Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000027236Memberck0001380175:S000027236Memberck0001380175:C000082210Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000027236Memberck0001380175:S000027236Memberck0001380175:C000082211Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000027236Memberck0001380175:S000027236Memberck0001380175:C000082212Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000027236Memberck0001380175:S000027236Memberck0001380175:C000082213Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000027236Memberck0001380175:S000027236Memberck0001380175:C000082214Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000027236Memberck0001380175:S000027236Memberck0001380175:C000082215Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000027236Memberck0001380175:S000027236Memberck0001380175:C000082216Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000027236Memberck0001380175:S000027236Memberck0001380175:RRINDEX00001Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000027236Memberck0001380175:S000027236Memberck0001380175:RRINDEX00002Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000027236Memberck0001380175:S000027236Memberck0001380175:RRINDEX00003Member 2013-01-01 2013-01-01 0001380175 ck0001380175:SummaryS000027236Memberck0001380175:S000027236Member 2013-01-01 2013-01-01 0001380175 2013-01-01 2013-01-01 pure iso4217:USD