AAMTX Fees and Costs — American Funds 2055 Target Date Retirement Fund, Class A
Data updated: 2026-09-28
The net expense ratio is 0.70%. This share class carries a maximum front-end sales load of 5.75% and a deferred sales charge of up to 1.00%. Portfolio turnover was 9%.
AAMTX Fees and Expenses
Annual operating expenses and sales charges of AAMTX. Prospectus, as of December 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.00% |
| 12b-1 fee | 0.24% |
| Other expenses | 0.09% |
| Gross expense ratio | 0.70% |
| Fee waiver | — |
| Net expense ratio | 0.70% |
| Sales charges | |
|---|---|
| Max front load | 5.75% |
| Max deferred load | 1.00% |
| Redemption fee | 0.00% |
| Expense limitation in place (N-CEN) | No |
| Fees waived or reduced during the year | No |
| Waived fees subject to recoupment | No |
AAMTX Costs Over Time
On $10,000 invested in AAMTX, assuming 5% a year before costs, total costs come to $1,149 over 5 years, cutting the return by 1.96% a year. Illustration, not a forecast: it assumes today's net expense ratio throughout (a fee waiver may end).
| $10,000 invested | Sell after 1 year | Sell after 3 years | Sell after 5 years |
|---|---|---|---|
| Value before costs | $10,500 | $11,576 | $12,763 |
| Sales charges | $673 | $575 | $575 |
| Fund expenses (net expense ratio 0.70%) | $69 | $217 | $377 |
| Lost growth on money paid in costs | $29 | $101 | $197 |
| Total costs | $771 | $893 | $1,149 |
| Value after costs | $9,729 | $10,683 | $11,614 |
| Impact on return, per year | 7.71% | 2.77% | 1.96% |
AAMTX Trading Costs
Brokerage costs reported on SEC Form N-CEN for the fiscal year ending October 31, 2025.
- Explicit cost rate (commissions ÷ average net assets): —
- Total broker commissions: —
- Bought from dealers (principal trades, not a cost): —
- Portfolio turnover (prospectus): 9%
- Securities lending: none during the year
American Funds 2055 Target Date Retirement Fund Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| FCJTX | Class F-3 | 0.38% | none |
| RFKTX | Class R-6 | 0.38% | none |
| REKTX | Class R-5 | 0.43% | none |
| FBJTX | Class F-2 | 0.46% | none |
| RHJTX | Class R-5E | 0.52% | none |
| AAMTX | Class A | 0.70% | 5.75% |
| TDFWX | Class T | 0.71% | 2.50% |
| RDJTX | Class R-4 | 0.73% | none |
| FAJTX | Class F-1 | 0.74% | none |
| RCMTX | Class R-3 | 1.02% | none |
| RBEMX | Class R-2E | 1.17% | none |
| CCJTX | Class C | 1.46% | none |
| RAMTX | Class R-1 | 1.47% | none |
| RBMTX | Class R-2 | 1.47% | none |
For information only. Not investment advice: figures are as reported in SEC filings and may contain errors or be out of date. Past performance does not guarantee future results.