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About MyCompass American Funds

The MyCompass American Funds Target Date Series is a professionally managed portfolio designed to help you invest for retirement and meet your changing financial needs over time.

MyCompass American Funds Target Date Funds

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How Target Date Funds Work

Investments in the MyCompass American Funds target date series are allocated among a diversified portfolio of stocks and bonds. Investors select a target date fund, typically the one nearest their anticipated retirement date. Over time, that fund's mix of stocks and bonds will shift toward more conservative investments. This gradual shift over time is called a "glidepath."

Here's how it works:

  • Larger allocation to stock investments throughout your investing lifetime can help manage the risk of outliving your savings in retirement.
  • An increased emphasis on bonds as you near your retirement date can help manage the risk of market declines.
  • The fund is managed beyond retirement, so you could possibly use a single fund for decades.
Capital Group American Funds

Glidepath Management

 

 

Fiduciary to glidepath creation and asset allocation

Underlying active fund management

$2.8T in assets under management1

$346.2 billion in target date assets

flexPATH

Independent Underlying
Fund Selection

 

Fiduciary to underlying investment selection and monitoring

Largest multi-glidepath target date fund manager (90% market share)2

Fastest growing target date fund manager with over $100 billion in AUM2

Robust investment search process

Quantitative research driven by the RPAG Scorecard SystemTM, serving 10M+ plan participants, 120K retirement plans and $1.6T in assets under management3

Qualitative research driven by committee of 6 CFA and 2 CPFA charterholders

Voya Logo

Exclusive to Voya Retirement Plans

 

 

Fiduciary providing the glidepath and the manager of some of the underlying funds​

Voya IM is one of the 50-largest institutional asset managers globally4​

Voya IM is a pioneer of the multi-manager target date approach, with 20 years+ of experience5

Voya Fixed Account B is incorporated into the glide path to serve as the lowest volatility capital preservation option. The Fund invests in a guaranteed investment contract issued by Voya

Approach to Building and Preserving Wealth:


The Series is made up of a mix of underlying American Funds with varying objectives and risk. All of the funds are actively managed, with Capital Group professionals seeking to deliver superior returns while managing risk.


The Series features multi-asset and global funds that empower underlying fund managers to shift between equities and fixed income as well as U.S. and non-U.S. equities in response to market conditions. Certain funds allow market capitalization flexibility as well.


The Series places a greater emphasis on dividend-paying (or equity-income) stocks over time in an effort to provide more equity exposure while managing volatility. This approach can also help to reduce the risk of outliving your savings by maintaining exposure to equities later in life.


In addition to a focus on asset classes (such as equities and bonds), our Series is built from a mix of funds tied to certain investor objectives of their own.


Bonds funds anchor the glide path by seeking to provide diversification from equities, seeking a degree of inflation protection, capital preservation and income depending on the stage of life.

The Series Features a "Glide Path Within a Glide Path" Approach

Underlying fund allocations by equity yield and fixed income objective seeks to:

American Funds Glidepath Chart
Single Glidepath Allocation Chart
The allocations shown are as of June 30, 2025. These charts represent the strategic asset-allocation progression of one of a series of multi-asset-class portfolios with target retirement dates at five-year intervals. Asset allocations represent the exposures sought at the given number of years before the maturity of the fund and are not actual fund exposures. Allocations are presented for information only and may not represent the actual allocation at the time of investment. Although target date portfolios are managed for investors on a projected retirement date time frame, the allocation strategy does not guarantee that investors' retirement goals will be met.

Select Your Target Date Fund to View Asset Allocation

  • Growth funds: Seeks to increase capital long term through growth-oriented companies.
  • Growth-and-income: Seeks growth of capital and current income through dividend payers.
  • Equity Income: Seeks income and growth through a mix of dividend-paying stocks and bonds.
  • Balanced funds: Seeks long-term growth of capital, conservation of principal and current income through a mix of securities.
  • Diversification from equity: Spreading your investments across different asset classes beyond stocks, such as high-yield bonds and emerging market debt, can help to reduce equity risk and enhance stability.
  • Capital preservation: Strategies focused on protecting your initial investment, often through low-risk options like bonds or stable value funds, to help ensure your principal remains intact.
Use the drop down menus below to select the Vintage. Based on your selections, the pie chart will update to display the current Asset Allocation.

Fund Fact Sheets

Flex Focus Conservative Retirement Fund Class R1  
Flex Focus Conservative 2035 Fund Class R1 Class R2
Flex Focus Conservative 2045 Fund Class R1 Class R2
Flex Focus Conservative 2055 Fund Class R1 Class R2
Flex Focus Conservative 2065 Fund  Class R1  
Flex Focus Moderate Retirement Fund Class R1  
Flex Focus Moderate 2035 Fund Class R1 Class R2
Flex Focus Moderate 2045 Fund Class R1 Class R2
Flex Focus Moderate 2055 Fund Class R1 Class R2
Flex Focus Moderate 2065 Fund Class R1  
Flex Focus Aggressive Retirement Fund Class R1  
Flex Focus Aggressive 2035 Fund Class R1 Class R2
Flex Focus Aggressive 2045 Fund Class R1 Class R2
Flex Focus Aggressive 2055 Fund Class R1 Class R2
Flex Focus Aggressive 2065 Fund Class R1 Class R2
1. Capital Group. AUM is as of March 31, 2025, and includes all share classes and vintages of the American Funds Target Date Retirement Series and all unit classes and vintages of the Capital Group Target Date Retirement Series as well as the Capital Group Target Date Retirement Blend Series.

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2. Source: Sway Research Report, 2025. Target Date Fund (TDF). flexPATH was named the fastest growing amongst providers that had >$1B AUM at the end of year 2021. No compensation was paid by or to the advisor, directly or indirectly in connection with obtaining or using the rating. flexPATH Strategies assets as of 08/11/2025.
3. https://www.rpag.com/
4. Voya Investment Management is the 48th largest institutional manager (out of 411 firms surveyed), based on worldwide institutional assets under management, on Pensions & Investments' Top Managers list published June 2024. This ranking represents assets under management as of December 31, 2023. Participation in the P&I ranking is voluntary and open to firms that manage assets for U.S. institutional tax-exempt clients. Managers self-report their data via a survey. P&I sends the survey to previously identified managers and to any new managers asking to participate in the survey/ranking. No fee was paid for consideration.
5. A Balanced Approach to Target Date Design​.