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

Updated: June 29, 2020
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Before we start: if you’re looking for NDCRX “stock” price, you can quickly find it out by visiting Finny and typing "NDCRX quote". If you’re looking for a quick scoop on NDCRX "stock" (price chart, key stats, buy or sell analysis and holdings), go to Finny and look for "NDCRX". You’ll get all this info in one place.

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

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

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

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

The Fund seeks current income, long-term growth of capital and conservation of capital, with an emphasis on income and growth of capital. The Enhanced Fund is designed for investors who desire a potentially higher level of income and growth of capital in exchange for potentially greater downside risk.

2. What are NDCRX top holdings?

NDCRX has 0 stock holdings and 0 bond holdings.

The top 6 holdings represent 100.02% of total assets. Here are the top holdings:

Name Symbol % Assets
American Funds Capital Income Bldr R6 RIRGX 30.05%
American Funds Income Fund of Amer R6 RIDGX 29.98%
American Funds American Balanced R6 RLBGX 19.98%
American Funds Global Balanced R6 RGBGX 10.05%
American Funds Inflation Linked Bd R6 RILFX 4.99%
American Funds American Mutual R6 RMFGX 4.97%

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

NDCRX has generated the following returns:

  • 1-month return is 1.20%;
  • 3-month return is -10.33%;
  • 1-year return is -1.26%;
  • 3-year return is 2.70%.

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

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

5. What is NDCRX dividend yield?

NDCRX yield is 1.95%.

6. What is NDCRX minimum initial investment amount?

NDCRX minimum initial investment amount is $1.00K.

7. What is NDCRX expense ratio?

NDCRX expense ratio is 1.35%. The expense ratio of a fund is the total percentage of fund assets used for administrative, management, and all other expenses.

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

NDCRX 12b-1 distribution fee is 1. NDCRX front-end sales load is 0. NDCRX back-end sales load is 1.

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

  • 1-year ax cost ratio is 1.18%;
  • 3-year ax cost ratio is 0.88%.

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

  • 3-year beta is 0.97.

11. What is NDCRX Sharpe ratio?

  • 3-year Sharpe ratio is -0.04.

Analysis

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

NDCRX Finny Score is 0. Our quantitative analysis shows 0 reasons to buy NDCRX and 4 reasons to sell it, resulting in the Finny Score of 0.

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

We don't see any strong reasons to buy NDCRX.

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

The following are NDCRX weaknesses from our perspective:

  • NDCRX net assets are $91.60 million. This fund is not a popular choice with retail investors.
  • NDCRX 3-year return is 2.7%, which is lower than the 3-year return of the benchmark index (S&P Target Date Retirement Income TR USD), 4.37%.
  • Warning: this fund has a 12b1 and deferred sales fee. The maximum 12b1 fee is 1%, while the maximum deferred sales load is 1%. A 12b-1 fee is an annual marketing or distribution fee on a mutual fund. Deferred sales load is a back-end sales charge and is imposed when an investor redeems shares.
  • NDCRX expense ratio is 1.35%, which is not negligible. Is the fund expensive to you, and does it align to your investment strategy?
In the NDCRX review, we covered NDCRX 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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