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>
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<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 />  <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 />                                    Current investment approach<br /><br />Growth funds                      40%   40%   40%   40%    40%    40%   35%   20%<br />Growth-and-income funds           45%   45%   45%   45%    40%    35%   35%   35%<br />Equity-income and balanced funds  10%   10%   10%   10%    15%    20%   20%   20%<br />Bond funds                         5%    5%    5%    5%     5%     5%   10%   25%<br /><br />Years to retirement               45     40   35    30     25     20    15    10<br /><br />Growth funds                      15%    5%    0%    0%     0%     0%    0%    0%<br />Growth-and-income funds           30%   25%   25%   20%    15%    10%    5%    0%  <br />Equity-income and balanced funds  20%   25%   30%   30%    35%    35%   35%   40%<br />Bond funds                        35%   45%   45%   50%    50%    55%   60%   60%<br /><br />Years to retirement                5   Retire  5    10     15     20    25    30          <br /><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 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  8.07% (quarter ended December 31, 2011)<br />Lowest  -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>
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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.
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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>
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<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 />  <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 />                                     Current investment approach<br /><br />Growth funds                     40%   40%   40%   40%    40%   35%   20%   15%   5%   0%   0%   0%   0%   0%   0%<br />Growt-and-income funds           45%   45%   45%   40%    35%   35%   35%   30%  25%  25%  20%  15%  10%   5%   0%     <br />Equity-income and balanced funds 10%   10%   10%   15%    20%   20%   20%   20%  25%  30%  30%  35%  35%  35%  40%<br />Bond funds                        5%    5%    5%    5%     5%   10%   25%   35%  45%  45%  50%  50%  55%  60%  60%<br /><br />Years to retirement              40    35    30    25     20    15    10     5  Retire 5   10   15   20   25   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 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   16.86% (quarter ended June 30, 2009)<br />Lowest   -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>
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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>
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<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 />                                     Current investment approach <br /><br />Growth funds                       40%   40%    40%   40%    35%    20%   15%   5%   0%    0%    0%     0%     0%     0%       <br />Growth-and-income funds            45%   45%    40%   35%    35%    35%   30%  25%  25%   20%   15%    10%     5%     0%<br />Equity-income and balanced funds   10%   10%    15%   20%    20%    20%   20%  25%  30%   30%   35%    35%    35%    40%<br />Bond funds                          5%    5%     5%    5%    10%    25%   35%  45%  45%   50%   50%    55%    60%    60%    <br /><br />Years to retirement                35    30     25     20    15     10     5  Retire 5    10    15     20     25     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 />                   <br />Highest   16.86% (quarter ended June 30, 2009)<br />Lowest   -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>
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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 />                                      Current investment approach  <br /><br />Growth funds                        40%    40%    40%    35%    20%    15%    5%    0%    0%    0%    0%    0%     0%<br />Growth-and-income funds             45%    40%    35%    35%    35%    30%   25%   25%   20%   15%   10%    5%     0% <br />Equity-income and balanced funds    10%    15%    20%    20%    20%    20%   25%   30%   30%   35%   35%   35%    40%<br />Bond funds                           5%     5%     5%    10%    25%    35%   45%   45%   50%   50%   55%   60%    60%<br /><br />Years to retirement                 30     25     20     15     10      5   Retire  5    10    15    20    25     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 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 />                    <br />Highest  16.94% (quarter ended June 30, 2009)<br />Lowest   -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>
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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.
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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>
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<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 />                                     Current investment approach <br /><br />Growth funds                       40%    40%    35%    20%    15%    5%    0%    0%    0%     0%    0%    0%<br />Growth-and-income funds            40%    35%    35%    35%    30%   25%   25%   20%   15%    10%    5%    0%    <br />Equity-income and balanced funds   15%    20%    20%    20%    20%   25%   30%   30%   35%    35%   35%   40%      <br />Bond funds                          5%     5%    10%    25%    35%   45%   45%   50%   50%    55%   60%   60%<br /><br />Years to retirement                25     20     15     10      5   Retire  5    10    15     20    25    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  16.77%(quarter ended June 30, 2009)<br />Lowest  -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>
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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.
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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>
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<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 />                                      Current investment approach <br /><br />Growth funds                       40%     35%     20%     15%    5%     0%      0%     0%     0%     0%     0%       <br />Growth-and-income funds            35%     35%     35%     30%   25%    25%     20%    15%    10%     5%     0%   <br />Equity-income and balanced funds   20%     20%     20%     20%   25%    30%     30%    35%    35%    35%    40%<br />Bond funds                          5%     10%     25%     35%   45%    45%     50%    50%    55%    60%    60%<br /><br />Years to retirement                20      15      10       5   Retire   5      10     15     20     25     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  16.72%(quarter ended June 30,2009)<br />Lowest  -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>
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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.
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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>
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<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 />                                         Current investment approach<br /><br />Growth funds                       35%     20%     15%     5%     0%     0%      0%      0%     0%      0%                    <br />Growth-and-income funds            35%     35%     30%    25%    25%    20%     15%     10%     5%      0%  <br />Equity-income and balanced funds   20%     20%     20%    25%    30%    30%     35%     35%    35%     40%<br />Bond funds                         10%     25%     35%    45%    45%    50%     50%     55%    60%     60%<br /><br />Years to retirement                15      10       5    Retire   5     10      15      20     25      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 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 />                  <br />Highest   16.02% (quarter ended June 30, 2009)<br />Lowest   -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 />  <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>
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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>
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<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 />                                      Current investment approach<br /><br />Growth funds                         20%      15%      5%     0%      0%     0%      0%      0%      0%<br />Growth-and-income funds              35%      30%     25%    25%     20%     15%    10%      5%      0%   <br />Equity-income and balanced funds     20%      20%     25%    30%     30%     35%    35%     35%     40% <br />Bond funds                           25%      35%     45%    45%     50%     50%    55%     60%     60%   <br /><br />Years to retirement                  10        5     Retire   5      10      15     20      25      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 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 />                  <br />Highest   14.87% (quarter ended June 30, 2009)<br />Lowest   -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>
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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>
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<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 />                                      Current investment approach<br /><br />Growth funds                         15%      5%      0%      0%      0%      0%      0%      0%   <br />Growth-and-income funds              30%     25%     25%     20%     15%     10%      5%      0%<br />Equity-income and balanced funds     20%     25%     30%     30%     35%     35%     35%     40%<br />Bond funds                           35%     45%     45%     50%     50%     55%     60%     60%<br /><br />Years to retirement                   5     Retire    5      10      15      20      25      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 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 />                  <br />Highest   13.47% (quarter ended June 30, 2009)<br />Lowest   -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>
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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.
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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>
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<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 />                                 Current investment approach<br /><br /><br />Growth funds                        5%      0%       0%      0%      0%      0%      0%                                <br />Growth-and-income funds            25%     25%      20%     15%     10%      5%      0%<br />Equity-income and balanced funds   25%     30%      30%     35%     35%     35%     40%<br />Bond funds                         45%     45%      50%     50%     55%     60%     60%  <br /><br />Years to retirement                Retire   5       10      15      20      25      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 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 />                  <br />Highest   12.72% (quarter ended June 30, 2009)<br />Lowest   -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>
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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
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iso4217:USD
A contingent deferred sales charge of 1.00% applies on certain redemptions within one year following purchases of $1 million or more made without an initial sales charge.
The investment adviser is currently waiving its management fee of .10%. This waiver will be in effect through at least December 31, 2013. The waiver may only be modified or terminated with the approval of the fund's board.
The investment adviser is currently waiving its management fee of .10%. In addition, the investment adviser is currently reimbursing a portion of the other expenses for each share class. This waiver and reimbursement will be in effect through at least December 31, 2013. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time. The waiver may only be modified or terminated with the approval of the fund's board.