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

Updated: September 18, 2020
100
Bull Case
  • 3-year return above the benchmark
  • 5-year return above the benchmark
  • 10-year return above the benchmark
  • No sales load or distribution fees
Bear Case
  • No Bear case arguments for now!

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

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

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

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

  1. Describe American Funds Target Date Retirement Series: American Funds 2010 Target Date Retirement Fund; Class R-6 Shs (RFTTX).
  2. What are RFTTX holdings?
  3. What is RFTTX performance? What are RFTTX historical returns?
  4. How many up and down years did RFTTX have historically?
  5. What is RFTTX dividend yield?
  6. What is RFTTX minimum initial investment amount?
  7. What is RFTTX expense ratio?
  8. Does RFTTX have any sales loads or 12b-1 distribution expenses?
  9. What is RFTTX tax efficiency (tax-cost ratio)?
  10. What is RFTTX beta? How would you assess RFTTX risk?
  11. What is RFTTX Sharpe ratio?
  12. What is RFTTX Finny Score? RFTTX buy or sell?
  13. What are the pros of investing in RFTTX? What are RFTTX buy reasons?
  14. What are the cons of investing in RFTTX? What are RFTTX 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 2010 Target Date Retirement Fund; Class R-6 Shs (RFTTX).

The Fund seeks to provide for investors that plan to retire in 2010. 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 RFTTX top holdings?

RFTTX has 0 stock holdings and 0 bond holdings.

The top 10 holdings represent 79.09% of total assets. Here are the top holdings:

Name Symbol % Assets
American Funds Interm Bd Fd of Amer R6 RBOGX 14.15%
American Funds Capital Income Bldr R6 RIRGX 12.22%
American Funds Income Fund of Amer R6 RIDGX 12.20%
American Funds Bond Fund of Amer R6 RBFGX 8.07%
American Funds Inflation Linked Bd R6 RILFX 6.75%
American Funds Mortgage R6 RMAGX 6.02%
American Funds ST Bd Fd of Amer R6 RMMGX 5.23%
American Funds American Mutual R6 RMFGX 4.97%
American Funds American High-Inc R6 RITGX 4.78%
American Funds Capital World Bond R6 RCWGX 4.70%

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

RFTTX has generated the following returns:

  • 1-month return is 0.69%;
  • 3-month return is 3.56%;
  • 1-year return is 8.00%;
  • 3-year return is 5.97%;
  • 5-year return is 6.89%;
  • 10-year return is 7.08%.

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

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

5. What is RFTTX dividend yield?

RFTTX yield is 2.39%.

6. What is RFTTX minimum initial investment amount?

RFTTX minimum initial investment amount is N/A.

7. What is RFTTX expense ratio?

RFTTX expense ratio is 0.31%. 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 RFTTX have any sales loads or 12b-1 distribution expenses?

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

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

  • 1-year ax cost ratio is 1.06%;
  • 3-year ax cost ratio is 0.99%.

See Taxes

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

  • 3-year beta is 0.63;
  • 5-year beta is 0.65;
  • 10-year beta is 0.69.

See Risks

11. What is RFTTX Sharpe ratio?

  • 3-year Sharpe ratio is 0.55;
  • 5-year Sharpe ratio is 0.71;
  • 10-year Sharpe ratio is 1.09.

See Risks

Analysis

12. What is Finny Score? buy or sell?

Finny Score is 100. Our quantitative analysis shows 4 reasons to buy and 0 reasons to sell it, resulting in the Finny Score of 100.

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

The following are RFTTX strengths from our perspective:

  • <strong>RFTTX 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 2010 TR), 6.21%.
  • <strong>RFTTX 5-year return</strong> is 6.89%, which is higher than the 5-year return of the benchmark index (S&P Target Date Through 2010 TR), 6.71%.
  • <strong>RFTTX 10-year return</strong> is 7.08%, which is higher than the 10-year return of the benchmark index (S&P Target Date Through 2010 TR), 6.87%.
  • Good news: this fund does not have 12b1, front-end or back-end sales fees.

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

There are no visible red flags.

In the RFTTX review, we covered RFTTX 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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