- ISIN
- US02631L1061
- CUSIP
- 02631L106
- Issuer
- American Funds
- Inception Date
- Aug 27, 2015
- Category
- Diversified Portfolio
- Min. Investment
- $250
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Value
Share Price Chart
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Performance
NAARX Performance Chart
American Funds Retirement Income Portfolio - Conservative (NAARX) is up 3.1% since the beginning of the year. NAARX is currently trading at $13 per share. Investors who bought $1,000 worth of NAARX shares 5 years ago would now be looking at an investment worth $1,239.
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Returns By Period
American Funds Retirement Income Portfolio - Conservative (NAARX) has returned 3.14% so far this year and 10.94% over the past 12 months. Over the last ten years, NAARX has returned 5.52% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.
American Funds Retirement Income Portfolio - Conservative
- 1D
- -0.23%
- 1M
- 1.08%
- YTD
- 3.14%
- 6M
- 3.47%
- 1Y
- 10.94%
- 3Y*
- 9.41%
- 5Y*
- 4.38%
- 10Y*
- 5.52%
Benchmark (S&P 500 Index)
- 1D
- 0.13%
- 1M
- 5.68%
- YTD
- 11.16%
- 6M
- 11.10%
- 1Y
- 27.46%
- 3Y*
- 21.12%
- 5Y*
- 12.66%
- 10Y*
- 13.75%
NAARX Monthly Returns History
Based on dividend-adjusted daily data since Jan 4, 2016, NAARX's average daily return is +0.02%, while the average monthly return is +0.49%. At this rate, an investment would double in approximately 11.8 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% | -4.08% | 2.60% | 1.00% | -0.23% | 3.14% | ||||||
| 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 1.59%, 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 42.78% of S&P 500 Index downside but only 35.70% 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
- 1.59%
- Beta
- 0.30
- R²
- 0.70
- Upside Capture
- 35.70%
- Downside Capture
- 42.78%
Expense Ratio
NAARX has an expense ratio of 0.34%, placing it in the medium range.
Return for Risk
Risk / Return Rank
NAARX ranks 48 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 Retirement Income Portfolio - Conservative (NAARX) and compare them to S&P 500 Index.
| NAARX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 2.21 | 2.39 | -0.18 |
Sortino ratioReturn per unit of downside risk | 3.14 | 3.25 | -0.12 |
Omega ratioGain probability vs. loss probability | 1.42 | 1.43 | -0.01 |
Calmar ratioReturn relative to maximum drawdown | 2.15 | 3.11 | -0.97 |
Martin ratioReturn relative to average drawdown | 8.72 | 14.38 | -5.66 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Dividends
Dividend History
American Funds Retirement Income Portfolio - Conservative provided a 2.70% 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 | 2.70% | 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 | $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 0.83%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Bear market2022 | -15.66%Oct 2022 | 9mo 14d | 1y 9mo | 2y 6moJan 2022 - Jul 2024 |
COVID crash2020 | -13.58%Mar 2020 | 1mo 2d | 2mo 17d | 3mo 19dFeb 2020 - Jun 2020 |
Rate-hike selloffLate 2018 | -6.55%Dec 2018 | 10mo 29d | 2mo 24d | 1y 1moJan 2018 - Mar 2019 |
2026 pullback2026 | -5.21%Mar 2026 | 25d | — | 3mo 4dMar 2026 - now |
2025 selloff2025 | -4.89%Apr 2025 | 1mo 5d | 1mo 4d | 2mo 9dMar 2025 - May 2025 |
Drawdown Indicators
| NAARX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -15.66% | -56.78% | +41.12% |
Max Drawdown (1Y)Largest decline over 1 year | -5.21% | -9.10% | +3.89% |
Max Drawdown (3Y)Largest decline over 3 years | -6.21% | -18.90% | +12.69% |
Max Drawdown (5Y)Largest decline over 5 years | -15.66% | -25.43% | +9.77% |
Max Drawdown (10Y)Largest decline over 10 years | -15.66% | -33.92% | +18.26% |
Current DrawdownCurrent decline from peak | -0.83% | 0.00% | -0.83% |
Average DrawdownAverage peak-to-trough decline | -2.53% | -10.72% | +8.19% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.28% | 1.97% | -0.69% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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