CTJCX Performance — American Funds College 2039 Fund, Class 529-C
Data updated: 2026-09-28
CTJCX returned +7.28% year to date and +14.84% over one year to Jul 2026. Annualised returns are +14.84% over 3 years and +7.38% over 5 years. Against its Target-Date category average the fund came out ahead over three years but behind over one: $100 invested three years ago grew to $151, against $146 for the category, and to $115 over one year, against $116. Volatility over the past three years was 11.50% a year. In the 12 months to Jul 2026 the fund took in a net $449.0M, and assets reached $2.28B.
CTJCX Growth of $100
What $100 invested in American Funds College 2039 Fund grew to, compounded from monthly returns reported on SEC Form N-PORT, against the Target-Date category average over the same months.
| Period | CTJCX | Category average |
|---|---|---|
| 1 year (Aug 2025 – Jul 2026) | $115 | $116 |
| 3 years (Aug 2023 – Jul 2026) | $151 | $146 |
| 5 years (Aug 2021 – Jul 2026) | $143 | $142 |
| Since data start (Feb 2021 – Jul 2026) | $152 | $155 |
CTJCX Trailing Returns
Total returns to Jul 2026, from SEC N-PORT.
| Period | Total return |
|---|---|
| YTD | +7.28% |
| 1 year | +14.84% |
| 3 years (annualised) | +14.84% |
| 5 years (annualised) | +7.38% |
CTJCX Annual Returns
Calendar-year total returns of American Funds College 2039 Fund, compounded from monthly SEC N-PORT returns. Partial years show the months covered.
| Year | Total return |
|---|---|
| 2026 (Jan–Jul) | +7.28% |
| 2025 | +18.03% |
| 2024 | +14.46% |
| 2023 | +21.03% |
| 2022 | −21.18% |
| 2021 (Feb–Dec) | +10.06% |
CTJCX Monthly Returns
Monthly total returns as reported on SEC Form N-PORT.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +2.3% | +0.9% | −5.9% | +7.8% | +3.8% | +0.3% | −1.5% | — | — | — | — | — |
| 2025 | +3.5% | −1.3% | −4.1% | +0.9% | +5.5% | +4.9% | +0.7% | +1.9% | +2.3% | +1.5% | +0.8% | +0.4% |
| 2024 | +0.3% | +4.3% | +2.8% | −3.7% | +3.4% | +1.9% | +1.5% | +2.0% | +1.8% | −1.7% | +3.2% | −2.2% |
| 2023 | +6.7% | −2.7% | +2.6% | +1.2% | −0.5% | +4.8% | +2.9% | −2.1% | −4.5% | −2.6% | +8.6% | +5.7% |
| 2022 | −6.7% | −2.8% | +0.4% | −8.3% | +0.3% | −7.7% | +6.4% | −3.5% | −8.3% | +5.1% | +7.0% | −3.7% |
| 2021 | — | 0.0% | −0.2% | +4.0% | +1.2% | +1.0% | +0.6% | +2.4% | −3.7% | +4.7% | −2.8% | +2.9% |
CTJCX Risk
Risk measures from monthly returns over Aug 2023 – Jul 2026.
- 3-year volatility (annualised): 11.50%
- 3-year Sharpe ratio: 0.90 (vs 4.5% risk-free rate)
- Best month: +8.62% (Nov 2023)
- Worst month: −5.90% (Mar 2026)
CTJCX Fund Flows
Monthly money in and out of American Funds College 2039 Fund, from SEC Form N-PORT.
- 12-month net flow: $449.0M
- 12-month gross sales (incl. reinvestments): $552.9M
- Sales ÷ redemptions: 5.32×
| Month | Sales | Redemptions | Net flow |
|---|---|---|---|
| Jul 2026 | $36.8M | $11.3M | $25.5M |
| Jun 2026 | $33.5M | $10.9M | $22.6M |
| May 2026 | $32.7M | $8.5M | $24.2M |
| Apr 2026 | $34.4M | $6.8M | $27.6M |
| Mar 2026 | $39.5M | $10.7M | $28.8M |
| Feb 2026 | $36.6M | $11.3M | $25.4M |
| Jan 2026 | $50.6M | $9.0M | $41.6M |
| Dec 2025 | $168.5M | $9.1M | $159.4M |
| Nov 2025 | $30.5M | $5.2M | $25.3M |
| Oct 2025 | $32.3M | $6.9M | $25.3M |
| Sep 2025 | $28.7M | $6.3M | $22.4M |
| Aug 2025 | $28.8M | $7.8M | $20.9M |
CTJCX Assets Under Management
Net assets of American Funds College 2039 Fund by report date, from SEC N-PORT filings.
| Report date | Net assets |
|---|---|
| 2026-07-31 | $2.28B |
| 2026-04-30 | $2.15B |
| 2026-01-31 | $2.01B |
| 2025-10-31 | $1.83B |
| 2025-07-31 | $1.65B |
| 2025-04-30 | $1.42B |
| 2025-01-31 | $1.41B |
| 2024-10-31 | $1.23B |
| 2024-07-31 | $1.14B |
| 2024-04-30 | $993.87M |
| 2024-01-31 | $862.93M |
| 2023-10-31 | $625.87M |
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.