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        <link:definition>06158 - Schedule - Expense Example {Transposed}</link:definition>
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        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:definition>06159 - Schedule - Annual Total Returns</link:definition>
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        <link:definition>06160 - Schedule - Average Annual Total Returns {Transposed}</link:definition>
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        <link:definition>06161 - Disclosure - Risk/Return Detail Data {Elements} (Asset Allocation Fund)</link:definition>
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        <link:definition>06163 - Schedule - Annual Fund Operating Expenses</link:definition>
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        <link:definition>06164 - Schedule - Expense Example {Transposed}</link:definition>
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        <link:definition>06165 - Disclosure - Risk/Return Detail Data {Elements} (Global Balanced Fund)</link:definition>
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        <link:definition>06167 - Schedule - Annual Fund Operating Expenses</link:definition>
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        <link:definition>06168 - Schedule - Expense Example {Transposed}</link:definition>
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        <link:definition>06169 - Schedule - Annual Total Returns</link:definition>
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        <link:definition>06170 - Schedule - Average Annual Total Returns {Transposed}</link:definition>
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        <link:definition>06173 - Schedule - Annual Fund Operating Expenses</link:definition>
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        <link:definition>06174 - Schedule - Expense Example {Transposed}</link:definition>
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        <link:definition>06175 - Schedule - Annual Total Returns</link:definition>
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        <link:definition>06176 - Schedule - Average Annual Total Returns {Transposed}</link:definition>
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        <link:definition>06177 - Disclosure - Risk/Return Detail Data {Elements} (Global Bond Fund)</link:definition>
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        <link:definition>06178 - Document - Risk/Return Summary {Unlabeled} (High-Income Bond Fund)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>06179 - Schedule - Annual Fund Operating Expenses</link:definition>
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      <link:roleType roleURI="http://www.americanfunds.com/role/ExpenseExample_S000008787Member" id="ExpenseExample_S000008787Member">
        <link:definition>06180 - Schedule - Expense Example {Transposed}</link:definition>
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        <link:definition>06182 - Schedule - Average Annual Total Returns {Transposed}</link:definition>
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        <link:definition>06185 - Schedule - Annual Fund Operating Expenses</link:definition>
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        <link:definition>06186 - Schedule - Expense Example {Transposed}</link:definition>
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        <link:definition>06187 - Disclosure - Risk/Return Detail Data {Elements} (Mortgage Fund)</link:definition>
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        <link:definition>06188 - Document - Risk/Return Summary {Unlabeled} (U.S. Government/AAA-Rated Securities Fund)</link:definition>
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        <link:definition>06189 - Schedule - Annual Fund Operating Expenses</link:definition>
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      <link:roleType roleURI="http://www.americanfunds.com/role/ExpenseExample_S000008788Member" id="ExpenseExample_S000008788Member">
        <link:definition>06190 - Schedule - Expense Example {Transposed}</link:definition>
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      <link:roleType roleURI="http://www.americanfunds.com/role/PerformanceTableData_S000008788Member" id="PerformanceTableData_S000008788Member">
        <link:definition>06192 - Schedule - Average Annual Total Returns {Transposed}</link:definition>
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        <link:definition>06195 - Schedule - Annual Fund Operating Expenses</link:definition>
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      <link:roleType roleURI="http://www.americanfunds.com/role/ExpenseExample_S000008789Member" id="ExpenseExample_S000008789Member">
        <link:definition>06196 - Schedule - Expense Example {Transposed}</link:definition>
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      <link:roleType roleURI="http://www.americanfunds.com/role/BarChartData_S000008789Member" id="BarChartData_S000008789Member">
        <link:definition>06197 - Schedule - Annual Total Returns</link:definition>
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      <link:roleType roleURI="http://www.americanfunds.com/role/PerformanceTableData_S000008789Member" id="PerformanceTableData_S000008789Member">
        <link:definition>06198 - Schedule - Average Annual Total Returns {Transposed}</link:definition>
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        <link:definition>06199 - Disclosure - Risk/Return Detail Data {Elements} (Cash Management Fund)</link:definition>
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</schema>
