NAARX Fees and Costs — American Funds Retirement Income Portfolio - Conservative, Class A
Data updated: 2026-09-28
The net expense ratio is 0.59%. 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 6%.
NAARX Fees and Expenses
Annual operating expenses and sales charges of NAARX. Prospectus, as of December 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.00% |
| 12b-1 fee | 0.26% |
| Other expenses | 0.05% |
| Gross expense ratio | 0.59% |
| Fee waiver | — |
| Net expense ratio | 0.59% |
| Sales charges | |
|---|---|
| Max front load | 5.75% |
| Max deferred load | 1.00% |
| Redemption fee | 0.00% |
| Expense limitation in place (N-CEN) | Yes |
| Fees waived or reduced during the year | Yes |
| Waived fees subject to recoupment | No |
NAARX Costs Over Time
On $10,000 invested in NAARX, assuming 5% a year before costs, total costs come to $1,085 over 5 years, cutting the return by 1.85% 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 0.59%) | $58 | $183 | $319 |
| Lost growth on money paid in costs | $29 | $100 | $191 |
| Total costs | $761 | $858 | $1,085 |
| Value after costs | $9,739 | $10,719 | $11,678 |
| Impact on return, per year | 7.61% | 2.66% | 1.85% |
NAARX 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): 6%
- Securities lending: none during the year
American Funds Retirement Income Portfolio - Conservative Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| FICWX | Class F-3 | 0.30% | none |
| RTRPX | Class R-6 | 0.30% | none |
| RQRPX | Class R-5 | 0.36% | none |
| RROPX | Class R-5E | 0.39% | none |
| FDFWX | Class F-2 | 0.40% | none |
| TFACX | Class T | 0.58% | 2.50% |
| NAARX | Class A | 0.59% | 5.75% |
| RMRPX | Class R-4 | 0.63% | none |
| FAFWX | Class F-1 | 0.64% | none |
| RJRPX | Class R-3 | 0.95% | none |
| RGRPX | Class R-2E | 1.10% | none |
| RDRPX | Class R-2 | 1.27% | none |
| RARPX | Class R-1 | 1.32% | none |
| NGCRX | Class C | 1.33% | 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.