REGTX Fees and Costs — American Funds 2040 Target Date Retirement Fund, Class R-5
Data updated: 2026-09-28
The net expense ratio is 0.41%. There are no sales loads or redemption fees. Portfolio turnover was 10%.
REGTX Fees and Expenses
Annual operating expenses and sales charges of REGTX. Prospectus, as of December 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.00% |
| 12b-1 fee | 0.00% |
| Other expenses | 0.06% |
| Gross expense ratio | 0.41% |
| Fee waiver | — |
| Net expense ratio | 0.41% |
| 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 |
REGTX Costs Over Time
On $10,000 invested in REGTX, assuming 5% a year before costs, total costs come to $260 over 5 years, cutting the return by 0.43% 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 0.41%) | $43 | $135 | $236 |
| Lost growth on money paid in costs | $0 | $7 | $24 |
| Total costs | $43 | $142 | $260 |
| Value after costs | $10,457 | $11,434 | $12,503 |
| Impact on return, per year | 0.43% | 0.43% | 0.43% |
REGTX 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): 10%
- Securities lending: none during the year
American Funds 2040 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 |
|---|---|---|---|
| FCGTX | Class F-3 | 0.36% | none |
| RFGTX | Class R-6 | 0.36% | none |
| REGTX | Class R-5 | 0.41% | none |
| FBGTX | Class F-2 | 0.44% | none |
| RHGTX | Class R-5E | 0.50% | none |
| AAGTX | Class A | 0.68% | 5.75% |
| TDFOX | Class T | 0.69% | 2.50% |
| RDGTX | Class R-4 | 0.71% | none |
| FAUTX | Class F-1 | 0.72% | none |
| RCKTX | Class R-3 | 1.00% | none |
| RBEKX | Class R-2E | 1.15% | none |
| CCGTX | Class C | 1.44% | none |
| RAKTX | Class R-1 | 1.45% | none |
| RBKTX | Class R-2 | 1.45% | 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.