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 has an expense ratio of 0.34%, placing it in the medium range.
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
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Returns By Period
American Funds Retirement Income Portfolio - Conservative (NAARX) returned 4.75% year-to-date (YTD) and 9.12% over the past 12 months.
NAARX
4.75%
3.41%
4.05%
9.12%
5.29%
4.87%
N/A
^GSPC (Benchmark)
1.39%
12.89%
1.19%
12.45%
15.19%
14.95%
10.86%
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% | 1.77% | -0.56% | 0.25% | 1.17% | 4.75% | |||||||
| 2024 | -0.00% | 0.18% | 1.89% | -2.53% | 2.33% | 0.85% | 2.98% | 2.13% | 1.50% | -1.90% | 1.43% | -2.08% | 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% | 1.84% | 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% | 4.34% | 1.63% | 1.00% | 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% | 0.54% | 0.89% | 0.97% | 0.63% | 12.33% |
| 2018 | 1.18% | -2.42% | -0.37% | -0.19% | 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% | 3.24% | -0.39% | -1.00% | 0.69% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 89, NAARX is among the top 11% 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.
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Dividends
Dividend History
American Funds Retirement Income Portfolio - Conservative provided a 3.30% dividend yield over the last twelve months, with an annual payout of $0.40 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 | $0.40 | $0.39 | $0.36 | $0.35 | $0.25 | $0.37 | $0.29 | $0.26 | $0.23 | $0.22 | $0.07 |
Dividend yield | 3.30% | 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 | $0.06 | $0.00 | $0.00 | $0.06 | |||||||
| 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.
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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 16.37%, occurring on Oct 14, 2022. Recovery took 438 trading sessions.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -16.37% | Dec 30, 2021 | 200 | Oct 14, 2022 | 438 | 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% | Nov 4, 2015 | 52 | Jan 20, 2016 | 39 | Mar 16, 2016 | 91 |
| -4.89% | Mar 4, 2025 | 26 | Apr 8, 2025 | 23 | May 12, 2025 | 49 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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