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

Updated: September 19, 2020
75
Bull Case
  • 3-year return above the benchmark
  • 5-year return above the benchmark
  • No sales load or distribution fees
Bear Case
  • Low net assets

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

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

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

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

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

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

2. What are RTRPX top holdings?

RTRPX 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 Bond Fund of Amer R6 RBFGX 25.84%
American Funds Capital Income Bldr R6 RIRGX 19.42%
American Funds Income Fund of Amer R6 RIDGX 14.42%
American Funds US Government Sec R6 RGVGX 10.98%
American Funds American Balanced R6 RLBGX 9.42%
American Funds Mortgage R6 RMAGX 5.50%
American Funds Inflation Linked Bd R6 RILFX 5.45%
American Funds Global Balanced R6 RGBGX 4.57%
American Funds American Mutual R6 RMFGX 4.42%

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

RTRPX has generated the following returns:

  • 1-month return is 0.26%;
  • 3-month return is 3.01%;
  • 1-year return is 7.47%;
  • 3-year return is 5.67%;
  • 5-year return is 6.38%.

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

In the last 10 years, RTRPX had 9 up years and 1 down year. See Performances

5. What is RTRPX dividend yield?

RTRPX yield is 2.88%.

6. What is RTRPX minimum initial investment amount?

RTRPX minimum initial investment amount is N/A.

7. What is RTRPX expense ratio?

RTRPX 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 RTRPX have any sales loads or 12b-1 distribution expenses?

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

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

  • 1-year ax cost ratio is 1.21%;
  • 3-year ax cost ratio is 1.03%.

See Taxes

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

  • 3-year beta is 0.53;
  • 5-year beta is 0.55.

See Risks

11. What is RTRPX Sharpe ratio?

  • 3-year Sharpe ratio is 0.62;
  • 5-year Sharpe ratio is 0.98.

See Risks

Analysis

12. What is Finny Score? buy or sell?

Finny Score is 75. Our quantitative analysis shows 3 reasons to buy and 1 reason to sell it, resulting in the Finny Score of 75.

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

The following are RTRPX strengths from our perspective:

  • <strong>RTRPX 3-year return</strong> is 5.67%, which is in line with the 3-year return of the benchmark index (S&P Target Date Retirement Income TR USD), 5.78%.
  • <strong>RTRPX 5-year return</strong> is 6.38%, which is higher than the 5-year return of the benchmark index (S&P Target Date Retirement Income TR USD), 5.8%.
  • Good news: this fund does not have 12b1, front-end or back-end sales fees.

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

The following are RTRPX weaknesses from our perspective:

  • <strong>RTRPX net assets</strong> are $24.80 million. This fund is not a popular choice with retail investors.
In the RTRPX review, we covered RTRPX 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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