RCHTX Fees and Costs — American Funds 2045 Target Date Retirement Fund, Class R-3
Data updated: 2026-09-28
The net expense ratio is 1.01%. There are no sales loads or redemption fees. Portfolio turnover was 9%.
RCHTX Fees and Expenses
Annual operating expenses and sales charges of RCHTX. Prospectus, as of December 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.00% |
| 12b-1 fee | 0.50% |
| Other expenses | 0.15% |
| Gross expense ratio | 1.01% |
| Fee waiver | — |
| Net expense ratio | 1.01% |
| Sales charges | |
|---|---|
| Max front load | 0.00% |
| Max deferred load | 0.00% |
| 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 |
RCHTX Costs Over Time
On $10,000 invested in RCHTX, assuming 5% a year before costs, total costs come to $632 over 5 years, cutting the return by 1.06% 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 |
| Fund expenses (net expense ratio 1.01%) | $106 | $331 | $574 |
| Lost growth on money paid in costs | $0 | $16 | $58 |
| Total costs | $106 | $347 | $632 |
| Value after costs | $10,394 | $11,229 | $12,131 |
| Impact on return, per year | 1.06% | 1.06% | 1.06% |
RCHTX 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 2045 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 |
|---|---|---|---|
| FCHTX | Class F-3 | 0.37% | none |
| RFHTX | Class R-6 | 0.37% | none |
| REHTX | Class R-5 | 0.42% | none |
| FBHTX | Class F-2 | 0.45% | none |
| RHHTX | Class R-5E | 0.51% | none |
| AAHTX | Class A | 0.69% | 5.75% |
| TDFUX | Class T | 0.70% | 2.50% |
| RDHTX | Class R-4 | 0.72% | none |
| FATTX | Class F-1 | 0.73% | none |
| RCHTX | Class R-3 | 1.01% | none |
| RBHHX | Class R-2E | 1.16% | none |
| CCHTX | Class C | 1.45% | none |
| RAHTX | Class R-1 | 1.46% | none |
| RBHTX | Class R-2 | 1.46% | 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.