Mutual Of America 2025 Retirement Fund


How We Use Your Personal Data

How mutual funds work the $18.7 trillion industry fueling retirement in the U.S.

How we use your information depends on the product and service that you use and your relationship with us. We may use it to:

  • Verify your identity, personalize the content you receive, or create and administer your account.
  • Provide specific products and services to you, such as portfolio management or data aggregation.
  • Develop and improve features of our offerings.

To learn more about how we handle and protect your data, visit our privacy center.

Plus The Many Other Advantages Of Mutual Of Americas Fpa

  • You can contribute from any source, such as savings or proceeds from a sale or inheritance, with no limits on your contributions.
  • A diverse choice of well-known investment fund families and styles in the Separate Account to develop your own investment strategies. The performance of the Separate Account investment funds is not guaranteed, and any assets allocated to them may decrease or increase in value.
  • An Interest Accumulation Account that guarantees your principal and previously credited interest to protect against market risk. This guarantee is subject to Mutual of Americas financial strength and claims-paying ability.
  • No withdrawal or surrender fees and no sales commissions.
  • Your interest and any investment earnings accumulate on a tax-deferred basis until withdrawn.

Withdrawals of the tax-deferred interest and any investment earnings are subject to income tax at your ordinary income tax rate at the time of withdrawal, and if made prior to age 59½, a 10% federal tax penalty.

There is a contract fee , and investments in the Separate Account investment funds are subject to Separate Account charges and underlying funds investment management fees and expenses.

Prospectuses Shareholder Reports & Fact Sheets

All T. Rowe Price mutual funds are offered by prospectus only. Mutual fund prospectuses include investment objectives, risks, fees, expenses, and other information that you should read and consider carefully before investing.

View the Statement of Additional Information for any of the below funds.

T. Rowe Price mutual funds issue a report every six months according to their fiscalyear schedule. In each mutual fund report, the fund manager discusses the general market environment, explains some of the investment decisions made during the reporting period, and presents an outlook for the economy and the financial markets. These reports are intended for shareholders and others who have reviewed the mutual fund’s prospectus.

You can also obtain a free copy of the prospectus or the mutual fund report by calling us toll free at 1-800-541-8803.

Fund Fact Sheets are produced quarterly and provide a summary of fund information including performance, top holdings and key fund data and portfolio characteristics.

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American Funds 2010 Target Date Retirement Fund

This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.

All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund. All other company and product names mentioned are the property of their respective companies.

Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from your plans financial professional or and should be read carefully before investing.

Use of this website is intended for U.S. residents only.American Funds Distributors, Inc., member FINRA.


How We Approach Editorial Content


Maintaining independence and editorial freedom is essential to our mission of empowering investor success. We provide a platform for our authors to report on investments fairly, accurately, and from the investors point of view. We also respect individual opinionsthey represent the unvarnished thinking of our people and exacting analysis of our research processes. Our authors can publish views that we may or may not agree with, but they show their work, distinguish facts from opinions, and make sure their analysis is clear and in no way misleading or deceptive.

To further protect the integrity of our editorial content, we keep a strict separation between our sales teams and authors to remove any pressure or influence on our analyses and research.

Read our editorial policy to learn more about our process.

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How We Make Money

We sell different types of products and services to both investment professionals and individual investors. These products and services are usually sold through license agreements or subscriptions. Our investment management business generates asset-based fees, which are calculated as a percentage of assets under management. We also sell both admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters.

Put Our Approach To Work For You

Retirement plan advisors and sponsors: Ask a John Hancock Investment Management Defined Contribution Investment Only specialist for a detailed review of how John Hancock Multimanager Target-Date Portfolios can fit into your plan or practice.

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Diversification does not guarantee a profit or eliminate the risk of a loss.

  • The #1 ranking is for John Hancock Multimanager Lifetime Portfolios and is based on a survey of 249 advisors conducted by Market Strategies International in February 2019.
  • 2020 Defined Contribution Trends, Callan Institute Survey, 2020.
  • Based on the period from inception to 6/30/21. Upside capture ratio measures a managers performance in up markets relative to the market itself. Downside capture ratio measures a managers performance in down markets relative to the market itself.
  • Upside capture ratio measures a managers performance in up markets relative to the market itself. Downside capture ratio measures a managers performance in down markets relative to the market itself. Past performance does not guarantee future results.
  • Morningstar, 2021. This is the average total expense ratio of all open-end target-date funds that are tracked by Morningstar. Average total expense ratio shown is for John Hancock funds Class R6.
  • MF1798599

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    How Target Date Funds Work

    Financial services firms manage families of target date funds, with individual versions for each year, past and future. Investors choose a fund that targets their anticipated year of retirement, and they may continue holding it until long after the target year has passed.

    With target date funds, the term glide path describes how a funds asset allocation changes over time. All of the funds on this list utilize a through glide path, where the managers continue to adjust the balance of stock and bond funds after the designated target year. For some funds, the asset allocation changes end about five to seven years after the target date. For others, the changes continue for several decades.

    For each target date fund in our evaluation, we focused on the 2060 version, suitable for someone looking to retire in about 40 years. In addition, we also evaluated the 2020 version, and some earlier versions, for insight on how the fund familys portfolio evolves as you enter retirement.

    Mutual Of Americas Target

    Target Date Funds: Americas #1 Retirement Investment

    The asset allocation is more aggressive for individuals with a longer time horizon to retirement and becomes more conservative as you near and begin retirement.

    Simply choose the Retirement Fund with the retirement date closest to when you want to retire, and let the professionals at Mutual of America Capital Management LLC manage your asset allocation for you.2

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    Transparency Is Our Policy Learn How It Impacts Everything We Do

    Transparency is how we protect the integrity of our work and keep empowering investors to achieve their goals and dreams. And we have unwavering standards for how we keep that integrity intact, from our research and data to our policies on content and your personal data.

    Wed like to share more about how we work and what drives our day-to-day business.

    International And Global Funds

    The annual and semiannual mutual fund reports for the International Stock Funds cover the one-year and six-month periods ended October 31st and April 30th, respectively, and are available within 60 days of the indicated period-ends. The only exceptions to this are the annual and semiannual mutual fund reports for the Global Real Estate, Global Technology, and Spectrum International Funds .

    The annual and semiannual mutual fund reports for the International Bond Funds cover the one-year and six-month periods ended December 31st and June 30th, respectively, and are available within 60 days of the indicated period ends.

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    American Funds Target Date Retirement Series: Buy

    • Rank among the top 401 funds: #39 #51 #55 #58 #70 #75 #83
    • Best for: Best for savers who want to put their investments on autopilot

    We’ve long been fans of the American Funds Target Date Retirement series. They’re a solid choice for investors who want an expert to handle their retirement investments from start to finish and well into retirement, too.

    You pick the target-date fund with the year that’s closest to when you plan to retire, then sit back and let experts take care of the rest. The managers of the target-date series will shift the blend of stock and bond funds over time to a more appropriate allocation as you get closer to retirement.

    What sets American Funds’ target-date series apart from others is its glide path the prescribed shift in stocks and bonds over time in any given target-date series. Throughout the series, the firm’s target-date funds hold considerably more in cash than their typical peer, but each of the portfolios also have a slightly more aggressive stock position.

    For instance, the American Funds 2040 Target Date Retirement fund holds just under 6% of its assets in cash and 84% in stocks and 10% in bonds. The typical 2040 target-date fund, by contrast, holds 2% of its assets in cash, 75% in stocks, 13% in bonds and 10% in other diversified assets.

    What matters too, of course, is the outcome. And on that front, these funds deliver, returning above-average returns with below-average risk.

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