- CUSIP
- 02631V716
- Issuer
- American Funds
- Inception Date
- Mar 27, 2020
- Category
- Target Retirement Date
- Index Tracked
- No Index (Active)
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Multi-Cap
- Asset Class Style
- Blend
Share Price Chart
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Performance
RFVTX Performance Chart
American Funds 2065 Target Date Retirement Fund Class R-6 (RFVTX) is up 11.2% since the beginning of the year. RFVTX is currently trading at $22 per share. Investors who bought $1,000 worth of RFVTX shares 5 years ago would now be looking at an investment worth $1,633.
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Returns By Period
American Funds 2065 Target Date Retirement Fund Class R-6 (RFVTX) has returned 11.20% so far this year and 26.11% over the past 12 months.
American Funds 2065 Target Date Retirement Fund Class R-6
- 1D
- 1.17%
- 1M
- 2.47%
- YTD
- 11.20%
- 6M
- 11.13%
- 1Y
- 26.11%
- 3Y*
- 18.88%
- 5Y*
- 10.31%
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
RFVTX Monthly Returns History
Based on dividend-adjusted daily data since Mar 27, 2020, RFVTX's average daily return is +0.07%, while the average monthly return is +1.36%. At this rate, an investment would double in approximately 4.3 years.
Historically, 70% of months were positive and 30% were negative. The best month was Nov 2020 with a return of +10.8%, while the worst month was Apr 2022 at -8.3%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 3 months.
On a daily basis, RFVTX closed higher 53% of trading days. The best single day was Apr 9, 2025 with a return of +7.1%, while the worst single day was Jun 11, 2020 at -4.7%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.82% | 0.92% | -6.88% | 9.54% | 4.73% | 0.31% | 11.20% | ||||||
| 2025 | 3.77% | -1.43% | -4.14% | 0.99% | 6.00% | 5.39% | 0.78% | 2.05% | 2.81% | 1.91% | 0.86% | 0.42% | 20.74% |
| 2024 | 0.39% | 4.42% | 2.89% | -3.64% | 3.47% | 2.15% | 1.58% | 2.31% | 2.14% | -1.82% | 3.32% | -2.23% | 15.64% |
| 2023 | 6.52% | -2.66% | 2.59% | 1.30% | -0.50% | 5.15% | 3.06% | -2.18% | -4.39% | -2.47% | 8.61% | 5.60% | 21.56% |
| 2022 | -6.52% | -2.73% | 1.24% | -8.31% | 0.49% | -7.97% | 6.53% | -3.35% | -8.11% | 5.62% | 6.99% | -3.71% | -19.63% |
| 2021 | -0.41% | 2.41% | 2.15% | 4.14% | 1.14% | 1.37% | 0.74% | 2.63% | -3.69% | 5.26% | -2.64% | 3.39% | 17.34% |
Benchmark Metrics
American Funds 2065 Target Date Retirement Fund Class R-6 has an annualized alpha of 1.86%, beta of 0.82, and R2 of 0.92 versus S&P 500 Index. Calculated based on daily prices since March 27, 2020.
- This fund participated in 87.25% of S&P 500 Index downside but only 86.92% of its upside - more exposed to losses than it benefited from rallies.
- Alpha
- 1.86%
- Beta
- 0.82
- R²
- 0.92
- Upside Capture
- 86.92%
- Downside Capture
- 87.25%
Expense Ratio
RFVTX has an expense ratio of 0.39%, placing it in the medium range.
Return for Risk
Risk / Return Rank
RFVTX ranks 55 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 2065 Target Date Retirement Fund Class R-6 (RFVTX) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| RFVTX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.02 | ||
| Sortino ratioReturn per unit of downside risk | +0.04 | ||
| Omega ratioGain probability vs. loss probability | 1.37 | 1.37 | 0.00 |
| Calmar ratioReturn relative to maximum drawdown | 2.63 | 2.78 | -0.16 |
| Martin ratioReturn relative to average drawdown | 11.68 | 12.44 | -0.76 |
Dividends
Dividend History
American Funds 2065 Target Date Retirement Fund Class R-6 provided a 4.20% dividend yield over the last twelve months, with an annual payout of $0.94 per share. The fund has been increasing its distributions for 2 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Dividend | $0.94 | $0.94 | $0.49 | $0.31 | $0.52 | $0.26 | $0.10 |
Dividend yield | 4.20% | 4.67% | 2.80% | 1.99% | 3.96% | 1.54% | 0.72% |
Monthly Dividends
The table displays the monthly dividend distributions for American Funds 2065 Target Date Retirement Fund Class R-6. 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 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.94 | $0.94 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.49 | $0.49 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.31 | $0.31 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.52 | $0.52 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.26 | $0.26 |
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 2065 Target Date Retirement Fund Class R-6. 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 2065 Target Date Retirement Fund Class R-6 was 27.34%, occurring on Oct 14, 2022. Recovery took 335 trading sessions.
The current American Funds 2065 Target Date Retirement Fund Class R-6 drawdown is 0.04%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Bear market2022 | -27.34%Oct 2022 | 11mo 1d | 1y 4mo | 2y 3moNov 2021 - Feb 2024 |
2025 selloff2025 | -15.53%Apr 2025 | 1mo 18d | 1mo 25d | 3mo 13dFeb 2025 - Jun 2025 |
2026 pullback2026 | -9.83%Mar 2026 | 1mo 2d | 16d | 1mo 18dFeb 2026 - Apr 2026 |
2024 pullback2024 | -7.07%Aug 2024 | 19d | 18d | 1mo 7dJul 2024 - Aug 2024 |
2020 pullback2020 | -6.66%Sep 2020 | 20d | 19d | 1mo 9dSep 2020 - Oct 2020 |
Drawdown Indicators
| RFVTX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -27.34% | -56.78% | +29.44% |
Max Drawdown (1Y)Largest decline over 1 year | -9.83% | -9.10% | -0.73% |
Max Drawdown (3Y)Largest decline over 3 years | -15.53% | -18.90% | +3.37% |
Max Drawdown (5Y)Largest decline over 5 years | -27.34% | -25.43% | -1.91% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -0.04% | -1.80% | +1.76% |
Average DrawdownAverage peak-to-trough decline | -5.85% | -10.71% | +4.86% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.21% | 2.03% | +0.18% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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