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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.
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Returns By Period
American Funds Retirement Income Portfolio - Conservative (NAARX) has returned -1.10% so far this year and 8.43% over the past 12 months. Over the last ten years, NAARX has returned 5.23% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
American Funds Retirement Income Portfolio - Conservative
- 1D
- 0.32%
- 1M
- -4.91%
- YTD
- -1.10%
- 6M
- 0.86%
- 1Y
- 8.43%
- 3Y*
- 7.70%
- 5Y*
- 4.21%
- 10Y*
- 5.23%
Benchmark (S&P 500 Index)
- 1D
- 2.91%
- 1M
- -5.09%
- YTD
- -4.63%
- 6M
- -2.39%
- 1Y
- 16.33%
- 3Y*
- 16.69%
- 5Y*
- 10.18%
- 10Y*
- 12.16%
Monthly Returns
Based on dividend-adjusted daily data since Jan 4, 2016, NAARX's average daily return is +0.02%, while the average monthly return is +0.46%. At this rate, your investment would double in approximately 12.6 years.
Historically, 67% of months were positive and 33% were negative. The best month was Nov 2020 with a return of +5.2%, while the worst month was Sep 2022 at -6.3%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 4 months.
On a daily basis, NAARX closed higher 50% of trading days. The best single day was Mar 24, 2020 with a return of +2.7%, while the worst single day was Mar 12, 2020 at -4.0%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.73% | 2.24% | -4.91% | -1.10% | |||||||||
| 2025 | 2.06% | 1.77% | -0.57% | 0.25% | 1.50% | 2.41% | 0.00% | 1.86% | 1.28% | 0.32% | 1.49% | 0.16% | 13.24% |
| 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% | 6.80% |
| 2023 | 3.12% | -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% | -1.34% | -10.04% |
| 2021 | -0.42% | 0.51% | 1.47% | 1.83% | 1.31% | 0.22% | 0.89% | 0.72% | -1.96% | 1.96% | -0.80% | 2.55% | 8.51% |
Benchmark Metrics
American Funds Retirement Income Portfolio - Conservative has an annualized alpha of 1.75%, beta of 0.30, and R² of 0.70 versus S&P 500 Index. Calculated based on daily prices since January 05, 2016.
- This fund participated in 42.75% of S&P 500 Index downside but only 36.77% of its upside — more exposed to losses than it benefited from rallies.
- Beta of 0.30 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
- 1.75%
- Beta
- 0.30
- R²
- 0.70
- Upside Capture
- 36.77%
- Downside Capture
- 42.75%
Expense Ratio
NAARX has an expense ratio of 0.34%, placing it in the medium range.
Return for Risk
Risk / Return Rank
NAARX ranks 75 for risk / return — better than 75% of mutual funds on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for American Funds Retirement Income Portfolio - Conservative (NAARX) and compare them to a chosen benchmark (S&P 500 Index).
| NAARX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.45 | 0.90 | +0.55 |
Sortino ratioReturn per unit of downside risk | 1.97 | 1.39 | +0.58 |
Omega ratioGain probability vs. loss probability | 1.29 | 1.21 | +0.08 |
Calmar ratioReturn relative to maximum drawdown | 1.65 | 1.40 | +0.26 |
Martin ratioReturn relative to average drawdown | 7.22 | 6.61 | +0.61 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Explore NAARX risk-adjusted metrics in detail
Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.
Dividends
Dividend History
American Funds Retirement Income Portfolio - Conservative provided a 2.81% dividend yield over the last twelve months, with an annual payout of $0.35 per share. The fund has been increasing its distributions for 3 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.35 | $0.42 | $0.39 | $0.36 | $0.35 | $0.37 | $0.45 | $0.37 | $0.35 | $0.25 | $0.23 |
Dividend yield | 2.81% | 3.27% | 3.37% | 3.17% | 3.19% | 2.98% | 3.84% | 3.28% | 3.33% | 2.23% | 2.21% |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.00 | |||||||||
| 2025 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.18 | $0.42 |
| 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 | $0.04 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.23 | $0.37 |
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 15.66%, occurring on Oct 14, 2022. Recovery took 435 trading sessions.
The current American Funds Retirement Income Portfolio - Conservative drawdown is 4.91%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -15.66% | Jan 3, 2022 | 198 | Oct 14, 2022 | 435 | Jul 11, 2024 | 633 |
| -13.58% | Feb 20, 2020 | 23 | Mar 23, 2020 | 53 | Jun 8, 2020 | 76 |
| -6.55% | Jan 29, 2018 | 229 | Dec 24, 2018 | 56 | Mar 18, 2019 | 285 |
| -5.21% | Mar 2, 2026 | 20 | Mar 27, 2026 | — | — | — |
| -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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