- ISIN
- US02631L8413
- CUSIP
- 02631L841
- 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
- Blend
Share Price Chart
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Performance
NBARX Performance Chart
American Funds Retirement Income Portfolio - Moderate (NBARX) is up 5.5% since the beginning of the year. NBARX is currently trading at $14 per share. Investors who bought $1,000 worth of NBARX shares 5 years ago would now be looking at an investment worth $1,364.
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Returns By Period
American Funds Retirement Income Portfolio - Moderate (NBARX) has returned 5.51% so far this year and 15.17% over the past 12 months. Over the last ten years, NBARX has returned 7.13% per year, falling short of the S&P 500 Index benchmark, which averaged 13.66% annually.
American Funds Retirement Income Portfolio - Moderate
- 1D
- 0.35%
- 1M
- 2.13%
- YTD
- 5.51%
- 6M
- 6.11%
- 1Y
- 15.17%
- 3Y*
- 12.33%
- 5Y*
- 6.40%
- 10Y*
- 7.13%
Benchmark (S&P 500 Index)
- 1D
- -0.74%
- 1M
- 4.90%
- YTD
- 10.35%
- 6M
- 10.28%
- 1Y
- 26.52%
- 3Y*
- 20.83%
- 5Y*
- 12.30%
- 10Y*
- 13.66%
NBARX Monthly Returns History
Based on dividend-adjusted daily data since Jan 4, 2016, NBARX's average daily return is +0.03%, while the average monthly return is +0.62%. At this rate, an investment would double in approximately 9.3 years.
Historically, 71% of months were positive and 29% were negative. The best month was Nov 2020 with a return of +6.6%, while the worst month was Sep 2022 at -6.7%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 3 months.
On a daily basis, NBARX closed higher 50% of trading days. The best single day was Mar 24, 2020 with a return of +3.6%, while the worst single day was Mar 16, 2020 at -5.4%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.35% | 2.37% | -4.70% | 3.82% | 1.63% | 0.14% | 5.51% | ||||||
| 2025 | 2.49% | 1.49% | -1.15% | 0.16% | 2.51% | 3.03% | 0.00% | 2.09% | 1.67% | 0.43% | 1.66% | 0.36% | 15.67% |
| 2024 | 0.08% | 0.93% | 2.45% | -2.64% | 2.54% | 1.01% | 2.96% | 2.24% | 1.52% | -1.71% | 1.74% | -2.13% | 9.16% |
| 2023 | 3.58% | -2.94% | 1.96% | 1.23% | -2.17% | 2.33% | 1.66% | -1.72% | -2.99% | -1.63% | 5.71% | 4.35% | 9.25% |
| 2022 | -1.99% | -1.41% | 0.17% | -4.37% | 1.33% | -5.50% | 3.49% | -2.70% | -6.69% | 4.02% | 5.58% | -1.67% | -10.06% |
| 2021 | -0.41% | 1.17% | 2.44% | 2.26% | 1.74% | 0.19% | 0.70% | 1.16% | -2.36% | 2.59% | -1.30% | 3.51% | 12.14% |
Benchmark Metrics
American Funds Retirement Income Portfolio - Moderate has an annualized alpha of 1.52%, beta of 0.41, and R2 of 0.82 versus S&P 500 Index. Calculated based on daily prices since January 05, 2016.
- This fund participated in 53.54% of S&P 500 Index downside but only 46.49% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.41 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
- 1.52%
- Beta
- 0.41
- R²
- 0.82
- Upside Capture
- 46.49%
- Downside Capture
- 53.54%
Expense Ratio
NBARX has an expense ratio of 0.32%, placing it in the medium range.
Return for Risk
Risk / Return Rank
NBARX ranks 60 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 - Moderate (NBARX) and compare them to S&P 500 Index.
| NBARX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.16 | ||
| Sortino ratioReturn per unit of downside risk | +0.31 | ||
| Omega ratioGain probability vs. loss probability | 1.46 | 1.41 | +0.05 |
| Calmar ratioReturn relative to maximum drawdown | 2.53 | 2.93 | -0.40 |
| Martin ratioReturn relative to average drawdown | 11.09 | 13.52 | -2.43 |
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 - Moderate provided a 4.90% dividend yield over the last twelve months, with an annual payout of $0.70 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.70 | $0.78 | $0.40 | $0.41 | $0.56 | $0.45 | $0.48 | $0.45 | $0.41 | $0.28 | $0.27 |
Dividend yield | 4.90% | 5.69% | 3.25% | 3.46% | 5.04% | 3.48% | 3.97% | 3.87% | 3.89% | 2.50% | 2.55% |
Monthly Dividends
The table displays the monthly dividend distributions for American Funds Retirement Income Portfolio - Moderate. 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 | $0.07 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.52 | $0.78 |
| 2024 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.17 | $0.40 |
| 2023 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.19 | $0.41 |
| 2022 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.36 | $0.56 |
| 2021 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.28 | $0.45 |
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 - Moderate. 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 - Moderate was 18.50%, occurring on Mar 23, 2020. Recovery took 99 trading sessions.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -18.50%Mar 2020 | 1mo 2d | 4mo 22d | 5mo 24dFeb 2020 - Aug 2020 |
Bear market2022 | -16.86%Oct 2022 | 9mo 12d | 1y 4mo | 2y 2moJan 2022 - Mar 2024 |
Rate-hike selloffLate 2018 | -8.98%Dec 2018 | 10mo 29d | 3mo 11d | 1y 2moJan 2018 - Apr 2019 |
2025 selloff2025 | -6.81%Apr 2025 | 1mo 6d | 1mo 4d | 2mo 10dMar 2025 - May 2025 |
2026 pullback2026 | -6.10%Mar 2026 | 25d | 1mo 18d | 2mo 13dMar 2026 - May 2026 |
Drawdown Indicators
| NBARX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.50% | -56.78% | +38.28% |
Max Drawdown (1Y)Largest decline over 1 year | -6.10% | -9.10% | +3.00% |
Max Drawdown (3Y)Largest decline over 3 years | -6.90% | -18.90% | +12.00% |
Max Drawdown (5Y)Largest decline over 5 years | -16.86% | -25.43% | +8.57% |
Max Drawdown (10Y)Largest decline over 10 years | -18.50% | -33.92% | +15.42% |
Current DrawdownCurrent decline from peak | 0.00% | -0.74% | +0.74% |
Average DrawdownAverage peak-to-trough decline | -2.68% | -10.72% | +8.04% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.39% | 1.97% | -0.58% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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