AADTX Mutual Fund — American Funds 2025 Target Date Retirement Income Fund Class A

American Funds 2025 Target Date Retirement Income Fund Class A (AADTX)

Updated October 2, 2026.

AADTX is a Mutual Fund. its distribution rate is 2.09%, its trailing-12-month yield is 7.16%, its expense ratio is 0.63%. Dividend Vision Distribution Safety Score™ is 94/100 (Safe). Total return is 235.7% over the past 19.7 years, 426.2 points behind SPY at 661.9%.

At the current 2.09% distribution rate, a $10,000 investment would generate approximately $209 per year if the next payment matches the last regular one.

American Funds 2025 Target Date Retirement Income Fund Class A is a mutual fund that invests across a diversified mix of American Funds—including growth, equity-income, balanced, and fixed income funds—with an increasing emphasis on fixed income and income-generating investments as it approaches and passes its 2025 target date. The fund carries a current distribution rate in the mid-single digits, an expense ratio of 0.63%, and a substantial asset base. It appeals to investors seeking a simple, professionally managed vehicle for retirement income with automatic asset allocation adjustments aligned to a specific target retirement year.

AADTX performance versus SPY

Price and return data through 2026-10-02.

Total return is 235.7% over the past 19.7 years, 426.2 points behind SPY at 661.9%. Over the past year its total return — price change plus distributions reinvested — is 4.8%. Its deepest 1-year drawdown was 5.3%.

AADTX key facts

Distribution Safety Score™

94 · Safe

Safety-Adjusted Yield

1.96%

Issuer

Capital Group

Asset type

Mutual Fund

Asset class

Equity

Inception date

02/01/2007

Expense ratio

0.63%

Distribution rate

2.09%

Distribution frequency

Annual

Trailing yield

7.16%

Last close

$16.55 (stale; as of 2026-10-02)

NAV

$16.62 as of 2026-09-30

Premium / discount

0.42% discount (price 2026-10-02, NAV 2026-09-30)

AUM

$30,063,020,000

Average volume

0.0

Last dividend

$1.185

Last ex-dividend date

12/24/2025

Beta

0.77

P/E ratio

22.355

How Dividend Vision calculates yield and returns

Distribution rate (2.09%) is the latest regular payout annualized by the fund's stated frequency, divided by the last close. Issuers often publish this as “Distribution Rate” on the fact sheet. Trailing-12-month yield (7.16%) is the sum of distributions paid in the last 12 months, split-adjusted, divided by the last close. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: Capital Group or company page; prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

AADTX risks and drawbacks

AADTX's current distribution rate is moderate, not a high-yield payout — the strategy is dividend quality more than maximum income. Payments are annual, so cash flow is lumpy versus a monthly fund. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 5.3%.

Who may consider AADTX — and who may not

AADTX may suit someone looking for a high Distribution Safety Score, moderate current income with a quality tilt. It is a weaker fit for investors who need monthly cash flow (AADTX pays annual); investors hunting double-digit covered-call yields; investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

Frequently asked questions

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