- ISIN
- US02631C8257
- CUSIP
- 02631C825
- Issuer
- American Funds
- Inception Date
- Feb 1, 2007
- Category
- Target Retirement Date
- Min. Investment
- $250
- Index Tracked
- No Index (Active)
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Blend
Share Price Chart
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Performance
FAPTX Performance Chart
American Funds 2025 Target Date Retirement Fund Class F-1 (FAPTX) is up 4.8% since the beginning of the year. FAPTX is currently trading at $17 per share. Investors who bought $1,000 worth of FAPTX shares 5 years ago would now be looking at an investment worth $1,333.
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Returns By Period
American Funds 2025 Target Date Retirement Fund Class F-1 (FAPTX) has returned 4.84% so far this year and 13.31% over the past 12 months. Over the last ten years, FAPTX has returned 7.85% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
American Funds 2025 Target Date Retirement Fund Class F-1
- 1D
- 0.36%
- 1M
- 0.79%
- YTD
- 4.84%
- 6M
- 5.01%
- 1Y
- 13.31%
- 3Y*
- 11.21%
- 5Y*
- 5.91%
- 10Y*
- 7.85%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
FAPTX Monthly Returns History
Based on dividend-adjusted daily data since Feb 24, 2014, FAPTX's average daily return is +0.03%, while the average monthly return is +0.60%. At this rate, an investment would double in approximately 9.7 years.
Historically, 68% of months were positive and 32% were negative. The best month was Nov 2020 with a return of +7.0%, while the worst month was Mar 2020 at -6.9%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 4 months.
On a daily basis, FAPTX closed higher 51% of trading days. The best single day was Mar 24, 2020 with a return of +4.1%, while the worst single day was Mar 16, 2020 at -5.9%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.76% | 1.61% | -3.95% | 3.99% | 1.71% | -0.18% | 4.84% | ||||||
| 2025 | 2.41% | 0.98% | -1.42% | 0.39% | 2.35% | 3.06% | 0.12% | 1.86% | 1.58% | 0.72% | 1.19% | 0.16% | 14.15% |
| 2024 | 0.28% | 1.24% | 2.11% | -2.74% | 2.54% | 1.20% | 2.45% | 2.00% | 1.58% | -1.87% | 1.84% | -1.90% | 8.89% |
| 2023 | 4.05% | -2.67% | 2.37% | 1.08% | -1.43% | 2.39% | 1.63% | -1.46% | -3.18% | -1.61% | 6.09% | 4.28% | 11.63% |
| 2022 | -3.26% | -1.62% | -0.07% | -5.27% | 0.97% | -5.37% | 4.22% | -2.93% | -6.76% | 3.63% | 5.44% | -2.06% | -13.11% |
| 2021 | -0.52% | 1.12% | 1.69% | 2.56% | 1.19% | 0.37% | 0.98% | 1.16% | -2.41% | 3.08% | -1.37% | 2.82% | 11.03% |
Benchmark Metrics
American Funds 2025 Target Date Retirement Fund Class F-1 has an annualized alpha of 1.01%, beta of 0.48, and R2 of 0.86 versus S&P 500 Index. Calculated based on daily prices since February 24, 2014.
- This fund participated in 60.46% of S&P 500 Index downside but only 52.46% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.48 indicates this fund moves significantly less than S&P 500 Index - a genuinely defensive profile with reduced participation in both market rallies and downturns.
- Alpha
- 1.01%
- Beta
- 0.48
- R²
- 0.86
- Upside Capture
- 52.46%
- Downside Capture
- 60.46%
Expense Ratio
FAPTX has an expense ratio of 0.67%, placing it in the medium range.
Return for Risk
Risk / Return Rank
FAPTX ranks 58 for risk / return — on par with similar mutual funds. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for American Funds 2025 Target Date Retirement Fund Class F-1 (FAPTX) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FAPTX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.06 | ||
| Sortino ratioReturn per unit of downside risk | +0.24 | ||
| Omega ratioGain probability vs. loss probability | 1.40 | 1.37 | +0.03 |
| Calmar ratioReturn relative to maximum drawdown | 2.48 | 2.78 | -0.30 |
| Martin ratioReturn relative to average drawdown | 11.03 | 12.44 | -1.41 |
Dividends
Dividend History
American Funds 2025 Target Date Retirement Fund Class F-1 provided a 7.06% dividend yield over the last twelve months, with an annual payout of $1.18 per share. The fund has been increasing its distributions for 2 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.18 | $1.18 | $0.78 | $0.44 | $0.53 | $1.00 | $0.56 | $0.52 | $0.50 | $0.32 | $0.39 | $0.68 |
Dividend yield | 7.06% | 7.41% | 5.22% | 3.04% | 3.96% | 6.26% | 3.63% | 3.69% | 4.08% | 2.40% | 3.30% | 5.92% |
Monthly Dividends
The table displays the monthly dividend distributions for American Funds 2025 Target Date Retirement Fund Class F-1. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | ||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.18 | $1.18 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.78 | $0.78 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.44 | $0.44 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.53 | $0.53 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.00 | $1.00 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the American Funds 2025 Target Date Retirement Fund Class F-1. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the American Funds 2025 Target Date Retirement Fund Class F-1 was 19.23%, occurring on Mar 23, 2020. Recovery took 78 trading sessions.
The current American Funds 2025 Target Date Retirement Fund Class F-1 drawdown is 0.36%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -19.23%Mar 2020 | 1mo 2d | 3mo 23d | 4mo 25dFeb 2020 - Jul 2020 |
Bear market2022 | -19.05%Oct 2022 | 9mo 20d | 1y 5mo | 2y 2moDec 2021 - Mar 2024 |
Rate-hike selloffLate 2018 | -10.75%Dec 2018 | 10mo 29d | 3mo 10d | 1y 2moJan 2018 - Apr 2019 |
2016 correction2016 | -10.38%Feb 2016 | 8mo 29d | 3mo 27d | 1y 21dMay 2015 - Jun 2016 |
2025 selloff2025 | -6.52%Apr 2025 | 1mo 17d | 1mo 5d | 2mo 22dFeb 2025 - May 2025 |
Drawdown Indicators
| FAPTX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.23% | -56.78% | +37.55% |
Max Drawdown (1Y)Largest decline over 1 year | -5.35% | -9.10% | +3.75% |
Max Drawdown (3Y)Largest decline over 3 years | -6.83% | -18.90% | +12.07% |
Max Drawdown (5Y)Largest decline over 5 years | -19.05% | -25.43% | +6.38% |
Max Drawdown (10Y)Largest decline over 10 years | -19.23% | -33.92% | +14.69% |
Current DrawdownCurrent decline from peak | -0.36% | -1.80% | +1.44% |
Average DrawdownAverage peak-to-trough decline | -2.97% | -10.71% | +7.74% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.20% | 2.03% | -0.83% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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