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

Updated: September 19, 2020
50
Bull Case
  • 3-year return above the benchmark
  • 5-year return above the benchmark
  • 10-year return above the benchmark
Bear Case
  • Low net assets
  • High expense ratio
  • Sales load and/or distribution fees

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

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

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

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

  1. Describe American Funds Target Date Retirement Series: American Funds 2015 Target Date Retirement Fund; Class R-4 Shs (RDBTX).
  2. What are RDBTX holdings?
  3. What is RDBTX performance? What are RDBTX historical returns?
  4. How many up and down years did RDBTX have historically?
  5. What is RDBTX dividend yield?
  6. What is RDBTX minimum initial investment amount?
  7. What is RDBTX expense ratio?
  8. Does RDBTX have any sales loads or 12b-1 distribution expenses?
  9. What is RDBTX tax efficiency (tax-cost ratio)?
  10. What is RDBTX beta? How would you assess RDBTX risk?
  11. What is RDBTX Sharpe ratio?
  12. What is RDBTX Finny Score? RDBTX buy or sell?
  13. What are the pros of investing in RDBTX? What are RDBTX buy reasons?
  14. What are the cons of investing in RDBTX? What are RDBTX 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 2015 Target Date Retirement Fund; Class R-4 Shs (RDBTX).

The Fund seeks to provide for investors that plan to retire in 2015. 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 RDBTX top holdings?

RDBTX has 0 stock holdings and 0 bond holdings.

The top 10 holdings represent 75.10% of total assets. Here are the top holdings:

Name Symbol % Assets
American Funds Capital Income Bldr R6 RIRGX 12.04%
American Funds Income Fund of Amer R6 RIDGX 12.04%
American Funds Interm Bd Fd of Amer R6 RBOGX 9.24%
American Funds Bond Fund of Amer R6 RBFGX 7.99%
American Funds Inflation Linked Bd R6 RILFX 6.87%
American Funds Mortgage R6 RMAGX 5.98%
American Funds American Mutual R6 RMFGX 5.97%
American Funds American High-Inc R6 RITGX 5.04%
American Funds Invmt Co of Amer R6 RICGX 4.98%
American Funds Washington Mutual R6 RWMGX 4.95%

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

RDBTX has generated the following returns:

  • 1-month return is 0.82%;
  • 3-month return is 3.89%;
  • 1-year return is 8.09%;
  • 3-year return is 5.97%;
  • 5-year return is 6.89%;
  • 10-year return is 7.26%.

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

In the last 10 years, RDBTX had 8 up years and 2 down years. See Performances

5. What is RDBTX dividend yield?

RDBTX yield is 2.02%.

6. What is RDBTX minimum initial investment amount?

RDBTX minimum initial investment amount is N/A.

7. What is RDBTX expense ratio?

RDBTX expense ratio is 0.66%. The expense ratio of a fund is the total percentage of fund assets used for administrative, management, and all other expenses. See Expenses

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

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

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

  • 1-year ax cost ratio is 1.06%;
  • 3-year ax cost ratio is 0.96%.

See Taxes

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

  • 3-year beta is 0.69;
  • 5-year beta is 0.71;
  • 10-year beta is 0.77.

See Risks

11. What is RDBTX Sharpe ratio?

  • 3-year Sharpe ratio is 0.49;
  • 5-year Sharpe ratio is 0.64;
  • 10-year Sharpe ratio is 1.01.

See Risks

Analysis

12. What is Finny Score? buy or sell?

Finny Score is 50. Our quantitative analysis shows 3 reasons to buy and 3 reasons to sell it, resulting in the Finny Score of 50.

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

The following are RDBTX strengths from our perspective:

  • <strong>RDBTX 3-year return</strong> is 5.97%, which is in line with the 3-year return of the benchmark index (S&P Target Date Through 2015 TR), 6.49%.
  • <strong>RDBTX 5-year return</strong> is 6.89%, which is in line with the 5-year return of the benchmark index (S&P Target Date Through 2015 TR), 7.37%.
  • <strong>RDBTX 10-year return</strong> is 7.26%, which is in line with the 10-year return of the benchmark index (S&P Target Date Through 2015 TR), 7.63%.

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

The following are RDBTX weaknesses from our perspective:

  • <strong>RDBTX net assets</strong> are $446.30 million. This fund is not a popular choice with retail investors.
  • <strong>RDBTX expense ratio</strong> is 0.66%, which is not negligible. Is the fund expensive to you, and does it align to your investment strategy?
  • Warning: this fund has a 12b1 sales fee. The maximum 12b1 fee is 0.25%. A 12b-1 fee is an annual marketing or distribution fee on a mutual fund.
In the RDBTX review, we covered RDBTX 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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