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Select a profile to see how American Legacy® Target Date Income simplifies retirement income planning with a powerful combination of target date investing and protected lifetime payments.
See how a source of protected income gets him to — and through — retirement.
"How do I replace my paycheck in retirement?"
"Can I protect my savings and still grow my future income?”
Income for two
"We want to know we're BOTH protected."
It’s important to know your investing style, risk profile, time frame and goals. Talk with your financial professional to create a plan that works best for you.
Target date series from an industry leader
- American Legacy Target Date Income is the only variable annuity to offer access to the American Funds Insurance Series® — Target Date Series.
- It’s designed to help you simplify managing your investment while giving you access to highly regarded funds.
Take a closer look at the funds with the core fund guide .
A Highly regarded fund family
Capital Group is:
• One of the largest target date fund providers,1 with $226B in assets
• The fastest-growing retirement target date fund family (mutual
funds and CITs combined).3
A well designed glide path
Although the target date portfolios are managed for investors on a projected retirement date time frame, the allocation strategy does not guarantee that investors’ retirement goals will be met. Investment professionals manage the portfolio, moving it from a more growth-oriented strategy to a more income-oriented focus as the target date gets closer. The target date is the year that corresponds roughly to the year in which an investor is assumed to retire and begin making withdrawals. Investment professionals continue to manage each portfolio for approximately 30 years after it reaches its target date.
- Managed for approximately 30 years past retirement so investors could feasibly use a single fund for decades.
- Meaningful equity exposure throughout retirement to help manage the risk of outliving savings.
- Emphasizes dividends with the intent of providing more equity exposure without increasing volatility.
You should carefully consider the target fund you select. Generally, investors pick a fund with the year closest to the date on which they plan to retire. A 45-year-old investor who wishes to retire at age 65 might choose a target date fund with a date close to 20 years in the future. Similarly, a 55-year-old planning to retire at age 70 might choose a fund with a date around 15 years in the future. To provide protected lifetime income benefits, Lincoln may limit access to some funds that investors normally may have selected to match their retirement date.
The target allocations shown are as of May 27, 2021, and are subject to the oversight committee's discretion. The investment adviser anticipates assets will be invested within a range that deviates no more than 10% above or below the allocations shown in the prospectus/characteristics statement. Underlying funds may be added or removed during the year. Visit capitalgroup.com/afis for current allocations.
American Funds Insurance Series – Target Date Series
The underlying funds have provided a strong foundation
RESULTS VS. PEERS
Underlying funds have outpaced their respective Lipper peer indexes/averages in 87% of all 10-year rolling annual periods.4
RESULTS VS. BENCHMARKS
Over their lifetime, 84% of underlying funds have outpaced their respective benchmarks.5
1Source: “The Cerulli Report — U.S. Defined Contribution Distribution 2020: Adapting to Changes in the Regulatory Environment.” As of 2019.
2Source: Capital Group, as of 6/30/21. Represents assets across vehicles for the Target Date Retirement Strategy from Capital Group.
3Source: Sway Research, LLC. "The State of the Target-Date Market: 2021." Fastest growth is based on the highest compound annual growth rate of assets under management for mutual funds and CITs combined from year-end 2017 to year-end 2020.
4The underlying American Funds have beaten their Lipper Peer Indexes in 87% of 10-year rolling annual periods through December 31, 2020, based on Class R-6 share results, with underlying fund allocations as of June 30, 2021. Periods covered are the shorter of the fund's lifetime or since the comparable Lipper index inception date (except Capital Income Builder and SMALLCAP World Fund, for which the Lipper average was used). Expenses differ for each share class, so results will vary.
5Results vs. Benchmarks lifetime results methodology: Based on class R-6 share results through December 31, 2020 and underlying fund allocations as of June 30, 2021. Seventeen out of 17 underlying equity funds had lifetime returns that outpaced their respective benchmarks. Four out of eight underlying fixed-income funds had lifetime returns that outpaced their respective benchmarks.
Past performance is no guarantee of future results.
Gain additional insights with these resources
Important information and disclosures