14 important things you should know about American Funds AAHTX mutual fund

Updated: June 27, 2020
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Before we start: if you’re looking for AAHTX “stock” price, you can quickly find it out by visiting Finny and typing "AAHTX quote". If you’re looking for a quick scoop on AAHTX "stock" (price chart, key stats, buy or sell analysis and holdings), go to Finny and look for "AAHTX". You’ll get all this info in one place.

Are you looking to buy or sell AAHTX? Or perhaps you’re looking for AAHTX fact sheet, and learn about its alternatives? If so, you came to the right place.

In this AAHTX mutual fund review, we’ll address key questions our readers have been asking us about this fund, above and beyond what you can find in its prospectus, and on Morningstar or Yahoo Finance.

Here is what you’ll be able to find in this review:

  • Fact Sheet: AAHTX performance, returns, expense ratio, holdings and dividend yield;
  • Analysis: AAHTX buy or sell; the pros and cons of investing in AAHTX mutual fund;
  • Alternatives: other ETFs and mutual funds you should consider as alternatives to AAHTX.

And here is the list of questions we’ll answer:

  1. Describe American Funds Target Date Retirement Series: American Funds 2045 Target Date Retirement Fund; Class A Shares (AAHTX).
  2. What are AAHTX holdings?
  3. What is AAHTX performance? What are AAHTX historical returns?
  4. How many up and down years did AAHTX have historically?
  5. What is AAHTX dividend yield?
  6. What is AAHTX minimum initial investment amount?
  7. What is AAHTX expense ratio?
  8. Does AAHTX have any sales loads or 12b-1 distribution expenses?
  9. What is AAHTX tax efficiency (tax-cost ratio)?
  10. What is AAHTX beta? How would you assess AAHTX risk?
  11. What is AAHTX Sharpe ratio?
  12. What is AAHTX Finny Score? AAHTX buy or sell?
  13. What are the pros of investing in AAHTX? What are AAHTX buy reasons?
  14. What are the cons of investing in AAHTX? What are AAHTX sell reasons?

So let’s start. Scroll down to the question that interests you the most.

Fact Sheet

1. Describe American Funds Target Date Retirement Series: American Funds 2045 Target Date Retirement Fund; Class A Shares (AAHTX).

The Fund seeks to provide for investors that plan to retire in 2045. Depending on its proximity to its target date, the Fund will seek to achieve the following: growth, income and conservation of capital. Each Fund will attempt to achieve its investment objectives by investing in a mix of American Funds.

2. What are AAHTX top holdings?

AAHTX has 0 stock holdings and 0 bond holdings.

The top 10 holdings represent 69.92% of total assets. Here are the top holdings:

Name Symbol % Assets
American Funds Washington Mutual R6 RWMGX 8.00%
American Funds Invmt Co of Amer R6 RICGX 7.99%
American Funds AMCAP R6 RAFGX 7.04%
American Funds Growth Fund of Amer R6 RGAGX 7.03%
American Funds New Perspective R6 RNPGX 7.01%
American Funds American Mutual R6 RMFGX 6.97%
American Funds SMALLCAP World R6 RLLGX 6.97%
American Funds Fundamental Invs R6 RFNGX 6.96%
American Funds American Balanced R6 RLBGX 5.99%
American Funds Capital World Gr&Inc R6 RWIGX 5.96%

3. What is AAHTX performance? What are AAHTX historical returns?

AAHTX has generated the following returns:

  • 1-month return is 5.49%;
  • 3-month return is -10.44%;
  • 1-year return is 1.83%;
  • 3-year return is 6.40%;
  • 5-year return is 6.27%;
  • 10-year return is 9.26%.

4. How many up and down years did AAHTX have historically?

In the last 10 years, AAHTX had 8 up years and 2 down years.

5. What is AAHTX dividend yield?

AAHTX yield is 0.95%.

6. What is AAHTX minimum initial investment amount?

AAHTX minimum initial investment amount is $1.00K.

7. What is AAHTX expense ratio?

AAHTX expense ratio is 0.72%. The expense ratio of a fund is the total percentage of fund assets used for administrative, management, and all other expenses.

8. Does AAHTX have any sales loads or 12b-1 distribution expenses?

AAHTX 12b-1 distribution fee is 0.25. AAHTX front-end sales load is 5.75. AAHTX back-end sales load is 0.

9. What is AAHTX tax efficiency (tax-cost ratio)?

  • 1-year ax cost ratio is 1.12%;
  • 3-year ax cost ratio is 0.92%.

10. What is AAHTX beta? How would you assess AAHTX risk?

  • 3-year beta is 1.37;
  • 5-year beta is 1.37;
  • 10-year beta is 1.38.

11. What is AAHTX Sharpe ratio?

  • 3-year Sharpe ratio is 0.19;
  • 5-year Sharpe ratio is 0.34;
  • 10-year Sharpe ratio is 0.65.

Analysis

12. What is AAHTX Finny Score? AAHTX buy or sell?

AAHTX Finny Score is 38. Our quantitative analysis shows 3 reasons to buy AAHTX and 5 reasons to sell it, resulting in the Finny Score of 38.

13. What are the pros of investing in AAHTX? What are AAHTX buy reasons?

The following are AAHTX strengths from our perspective:

  • AAHTX 3-year return is 6.4%, which is higher than the 3-year return of the benchmark index (S&P Target Date Through 2045 TR), 3.97%.
  • AAHTX 5-year return is 6.27%, which is higher than the 5-year return of the benchmark index (S&P Target Date Through 2045 TR), 4.66%.
  • AAHTX 10-year return is 9.26%, which is higher than the 10-year return of the benchmark index (S&P Target Date Through 2045 TR), 8.71%.

14. What are the cons of investing in AAHTX? What are AAHTX negatives?

The following are AAHTX weaknesses from our perspective:

  • Warning: this fund has a 12b1 and front-end sales fee. The maximum 12b1 fee is 0.25%, while the maximum front-end sales load is 5.75%. A 12b-1 fee is an annual marketing or distribution fee on a mutual fund. Front-end sales load, also known as sales charge, is a fee paid when mutual funds shares are purchased. Those fees are subtracted from your total investable assets.
  • AAHTX expense ratio is 0.72%, which is not negligible. Is the fund expensive to you, and does it align to your investment strategy?
  • AAHTX 3-year Beta is 1.37, which is higher than the index (Morningstar Mod Tgt Risk TR USD) 3-year beta, 1.00. The fund is perceived to be riskier than the comparable index based on the previous 3 years.
  • AAHTX 5-year Beta is 1.37, which is higher than the index (Morningstar Mod Tgt Risk TR USD) 5-year beta, 1.00. The fund is perceived to be riskier than the comparable index based on the previous 5 years.
  • AAHTX 10-year Beta is 1.38, which is higher than the index (Morningstar Mod Tgt Risk TR USD) 10-year beta, 1.00. The fund is perceived to be riskier than the comparable index based on the previous 10 years.
In the AAHTX review, we covered AAHTX key stats (return, performance, yield, expense ratio, and holdings), buy and sell analysis, and alternative investments. If this review was helpful to you, feel free to check out other mutual fund and ETF reviews.
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