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

Updated: September 19, 2020
60
Bull Case
  • 3-year return above the benchmark
  • 5-year return above the benchmark
  • 10-year return above the benchmark
Bear Case
  • High expense ratio
  • Sales load and/or distribution fees

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

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

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

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

  1. Describe American Funds Target Date Retirement Series: American Funds 2035 Target Date Retirement Fund; Class R-4 Shs (RDFTX).
  2. What are RDFTX holdings?
  3. What is RDFTX performance? What are RDFTX historical returns?
  4. How many up and down years did RDFTX have historically?
  5. What is RDFTX dividend yield?
  6. What is RDFTX minimum initial investment amount?
  7. What is RDFTX expense ratio?
  8. Does RDFTX have any sales loads or 12b-1 distribution expenses?
  9. What is RDFTX tax efficiency (tax-cost ratio)?
  10. What is RDFTX beta? How would you assess RDFTX risk?
  11. What is RDFTX Sharpe ratio?
  12. What is RDFTX Finny Score? RDFTX buy or sell?
  13. What are the pros of investing in RDFTX? What are RDFTX buy reasons?
  14. What are the cons of investing in RDFTX? What are RDFTX 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 2035 Target Date Retirement Fund; Class R-4 Shs (RDFTX).

The Fund seeks to provide for investors that plan to retire in 2035. 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 RDFTX top holdings?

RDFTX has 0 stock holdings and 0 bond holdings.

The top 10 holdings represent 65.78% of total assets. Here are the top holdings:

Name Symbol % Assets
American Funds Washington Mutual R6 RWMGX 8.01%
American Funds US Government Sec R6 RGVGX 7.87%
American Funds Invmt Co of Amer R6 RICGX 7.04%
American Funds New Perspective R6 RNPGX 6.92%
American Funds American Mutual R6 RMFGX 6.03%
American Funds Fundamental Invs R6 RFNGX 6.02%
American Funds Global Balanced R6 RGBGX 6.01%
American Funds American Balanced R6 RLBGX 6.00%
American Funds AMCAP R6 RAFGX 5.94%
American Funds Growth Fund of Amer R6 RGAGX 5.94%

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

RDFTX has generated the following returns:

  • 1-month return is 1.59%;
  • 3-month return is 7.17%;
  • 1-year return is 14.35%;
  • 3-year return is 9.30%;
  • 5-year return is 10.61%;
  • 10-year return is 10.48%.

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

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

5. What is RDFTX dividend yield?

RDFTX yield is 1.11%.

6. What is RDFTX minimum initial investment amount?

RDFTX minimum initial investment amount is N/A.

7. What is RDFTX expense ratio?

RDFTX 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. See Expenses

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

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

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

  • 1-year ax cost ratio is 0.98%;
  • 3-year ax cost ratio is 0.88%.

See Taxes

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

  • 3-year beta is 1.26;
  • 5-year beta is 1.28;
  • 10-year beta is 1.31.

See Risks

11. What is RDFTX Sharpe ratio?

  • 3-year Sharpe ratio is 0.52;
  • 5-year Sharpe ratio is 0.60;
  • 10-year Sharpe ratio is 0.90.

See Risks

Analysis

12. What is Finny Score? buy or sell?

Finny Score is 60. Our quantitative analysis shows 3 reasons to buy and 2 reasons to sell it, resulting in the Finny Score of 60.

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

The following are RDFTX strengths from our perspective:

  • <strong>RDFTX 3-year return</strong> is 9.3%, which is higher than the 3-year return of the benchmark index (S&P Target Date Through 2035 TR), 7.37%.
  • <strong>RDFTX 5-year return</strong> is 10.61%, which is higher than the 5-year return of the benchmark index (S&P Target Date Through 2035 TR), 9.37%.
  • <strong>RDFTX 10-year return</strong> is 10.48%, which is higher than the 10-year return of the benchmark index (S&P Target Date Through 2035 TR), 9.65%.

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

The following are RDFTX weaknesses from our perspective:

  • <strong>RDFTX expense ratio</strong> is 0.72%, 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 RDFTX review, we covered RDFTX 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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