American Funds Retirement Income Portfolio - Conservative (NAARX)
The investment seeks current income, long-term growth of capital and conservation of capital, with an emphasis on income and conservation of capital. The advisor will attempt to achieve its investment objectives by investing in a mix of American Funds in varying combinations and weightings over time. The underlying funds will typically seek to generate income from their investments and will primarily consist of fixed-income, equity-income and balanced funds. The fund is one of a suite of three American Funds Retirement Income Portfolios designed to help investors in or near retirement with a withdrawal program. It seeks to provide the lowest downside risk.
Fund Info
US02631L1061
02631L106
Aug 27, 2015
$250
Large-Cap
Value
Expense Ratio
NAARX features an expense ratio of 0.34%, falling within the medium range.
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in American Funds Retirement Income Portfolio - Conservative, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
Returns By Period
American Funds Retirement Income Portfolio - Conservative had a return of 3.18% year-to-date (YTD) and 10.78% in the last 12 months.
NAARX
3.18%
2.13%
2.82%
10.78%
3.84%
N/A
^GSPC (Benchmark)
4.22%
2.22%
9.51%
22.46%
12.74%
11.29%
Monthly Returns
The table below presents the monthly returns of NAARX, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 2.06% | 3.18% | |||||||||||
| 2024 | -0.00% | 0.18% | 1.89% | -2.53% | 2.33% | 0.85% | 2.98% | 2.13% | 1.50% | -1.90% | 1.43% | -2.07% | 6.79% |
| 2023 | 3.13% | -2.76% | 2.06% | 0.99% | -2.24% | 1.34% | 1.18% | -1.44% | -2.74% | -1.51% | 5.08% | 3.99% | 6.89% |
| 2022 | -1.68% | -1.06% | -0.55% | -3.83% | 1.04% | -4.31% | 3.24% | -2.70% | -6.30% | 2.69% | 4.87% | -1.35% | -10.04% |
| 2021 | -0.42% | 0.51% | 1.48% | 1.83% | 1.31% | 0.22% | 0.89% | 0.72% | -1.96% | 1.96% | -0.80% | 1.57% | 7.47% |
| 2020 | 0.35% | -2.10% | -4.49% | 4.33% | 1.63% | 1.01% | 2.39% | 1.12% | -1.08% | -1.48% | 5.20% | 0.89% | 7.62% |
| 2019 | 2.79% | 1.03% | 1.63% | 1.01% | -1.18% | 2.70% | -0.00% | 0.72% | 0.55% | 0.89% | 0.97% | 0.63% | 12.33% |
| 2018 | 1.18% | -2.42% | -0.37% | -0.18% | 0.46% | 0.08% | 1.20% | 0.18% | -0.17% | -2.49% | 1.42% | -2.37% | -3.53% |
| 2017 | 0.96% | 1.43% | 0.33% | 0.66% | 1.31% | -0.08% | 1.12% | 0.37% | 0.72% | 0.46% | 0.55% | 0.55% | 8.69% |
| 2016 | -0.50% | 0.10% | 3.54% | 0.78% | -0.00% | 1.83% | 1.24% | -0.47% | 0.28% | -1.14% | -0.77% | 0.93% | 5.87% |
| 2015 | -0.30% | -0.80% | 3.23% | -0.39% | -1.00% | 0.69% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 86, NAARX is among the top 14% of mutual funds on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for American Funds Retirement Income Portfolio - Conservative (NAARX) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
Dividends
Dividend History
American Funds Retirement Income Portfolio - Conservative provided a 3.26% dividend yield over the last twelve months, with an annual payout of $0.39 per share. The fund has been increasing its distributions for 3 consecutive years.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.39 | $0.39 | $0.36 | $0.35 | $0.25 | $0.37 | $0.29 | $0.26 | $0.23 | $0.22 | $0.07 |
Dividend yield | 3.26% | 3.36% | 3.17% | 3.19% | 2.01% | 3.12% | 2.59% | 2.54% | 2.05% | 2.07% | 0.69% |
Monthly Dividends
The table displays the monthly dividend distributions for American Funds Retirement Income Portfolio - Conservative. 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.00 | $0.00 | $0.00 | ||||||||||
| 2024 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.16 | $0.39 |
| 2023 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.15 | $0.36 |
| 2022 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.16 | $0.35 |
| 2021 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.11 | $0.25 |
| 2020 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.20 | $0.37 |
| 2019 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.11 | $0.29 |
| 2018 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.10 | $0.26 |
| 2017 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.07 | $0.23 |
| 2016 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.08 | $0.22 |
| 2015 | $0.07 | $0.07 |
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.
Worst Drawdowns
The table below displays the maximum drawdowns of the American Funds Retirement Income Portfolio - Conservative. 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 Retirement Income Portfolio - Conservative was 16.36%, occurring on Oct 20, 2022. Recovery took 434 trading sessions.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -16.36% | Dec 30, 2021 | 204 | Oct 20, 2022 | 434 | Jul 16, 2024 | 638 |
| -13.58% | Feb 20, 2020 | 23 | Mar 23, 2020 | 53 | Jun 8, 2020 | 76 |
| -6.55% | Jan 29, 2018 | 229 | Dec 24, 2018 | 66 | Apr 1, 2019 | 295 |
| -4.91% | Oct 29, 2015 | 56 | Jan 20, 2016 | 39 | Mar 16, 2016 | 95 |
| -3.48% | Sep 25, 2024 | 74 | Jan 10, 2025 | 17 | Feb 5, 2025 | 91 |
Volatility
Volatility Chart
The current American Funds Retirement Income Portfolio - Conservative volatility is 1.37%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.