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15 important things you should know about American Funds NBARX mutual fund

Updated: Last Wednesday
20
Bull Case
  • 5-year return above the benchmark
Bear Case
  • Low net assets
  • 3-year return below the benchmark
  • High expense ratio
  • Sales load and/or distribution fees

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

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

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

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

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

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

Fact Sheet

1. Describe American Funds Retirement Income Portfolio Series: American Funds Retirement Income - Moderate; Class A (NBARX).

The Fund seeks current income, long-term growth of capital and conservation of capital. The Fund is designed for investors who desire a balanced approach to downside risk, income and growth of capital. It is intended primarily for investors who are already in retirement or plan to retire in the near future.

2. What are NBARX top holdings?

NBARX has 0 stock holdings and 0 bond holdings.

The top 9 holdings represent 100.02% of total assets. Here are the top holdings:

Name Symbol % Assets
American Funds Capital Income Bldr R6 RIRGX 25.01%
American Funds Income Fund of Amer R6 RIDGX 25.01%
American Funds American Balanced R6 RLBGX 15.01%
American Funds Bond Fund of Amer R6 RBFGX 10.00%
American Funds American Mutual R6 RMFGX 5.01%
American Funds Inflation Linked Bd R6 RILFX 5.00%
American Funds Mortgage R6 RMAGX 5.00%
American Funds US Government Sec R6 RGVGX 5.00%
American Funds Global Balanced R6 RGBGX 4.98%

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

NBARX has generated the following returns:

  • 1-month return is 1.05%;
  • 3-month return is 0.97%;
  • 1-year return is 4.52%;
  • 3-year return is 4.67%;
  • 5-year return is 5.58%.

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

In the last 10 years, NBARX had 9 up years and 1 down year.

NBARX up and down years

5. What is NBARX dividend yield?

NBARX yield is 2.65%.

6. What is NBARX minimum initial investment amount?

NBARX minimum initial investment amount is $1.00K.

7. What is NBARX expense ratio?

NBARX expense ratio is 0.6%. The expense ratio of a fund is the total percentage of fund assets used for administrative, management, and all other expenses.

NBARX expenses

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

NBARX 12b-1 distribution fee is 0.3. NBARX front-end sales load is 5.75. NBARX back-end sales load is 0.

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

  • 1-year ax cost ratio is 1.27%;
  • 3-year ax cost ratio is 1.02%.
NBARX tax costs

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

  • 3-year beta is 0.73.
NBARX Beta

11. What is NBARX Sharpe ratio?

  • 3-year Sharpe ratio is 0.39.
NBARX Sharpe ratio

Analysis

12. What is Finny Score? buy or sell?

Finny Score is 20. Our quantitative analysis shows 1 reason to buy and 4 reasons to sell it, resulting in the Finny Score of 20.

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

The following are NBARX strengths from our perspective:

  • <strong>NBARX 5-year return</strong> is 5.58%, which is higher than the 5-year return of the benchmark index (S&P Target Date Retirement Income TR USD), 5.31%.

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

The following are NBARX weaknesses from our perspective:

  • <strong>NBARX net assets</strong> are $921.00 million. This fund is not a popular choice with retail investors.
  • <strong>NBARX 3-year return</strong> is 4.67%, which is lower than the 3-year return of the benchmark index (S&P Target Date Retirement Income TR USD), 5.46%.
  • <strong>NBARX expense ratio</strong> is 0.6%, which is not negligible. Is the fund expensive to you, and does it align to your investment strategy?
  • Warning: this fund has a 12b1 and front-end sales fee. The maximum 12b1 fee is 0.3%, 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.
In the NBARX review, we covered NBARX 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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