Fund Evaluator:
American Fds Retire Inc Port-Mod F-3 (FIMWX)
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Best Performing in Moderate Allocation Over the Last Year
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Fund Details
American Fds Retire Inc Port-Mod F-3 Overview
American Fds Retire Inc Port-Mod F-3 (FIMWX) is an actively managed Allocation Moderate Allocation fund. Capital Group launched the fund in 2017.
The investment seeks current income, long-term growth of capital and conservation of capital. The advisor will attempt to achieve its investment objectives by investing in a mix of American Funds in varying combinations and weightings over time. The underlying funds will typically seek to generate income from their investments and will primarily consist of equity-income, fixed-income and balanced funds. The fund is one of a suite of three American Funds Retirement Income Portfolios designed to help investors in or near retirement with a withdrawal program.
About American Fds Retire Inc Port-Mod F-3 (FIMWX)
There are 7 members of the management team with an average tenure of 6.54 years: Wesley Phoa (2015), Michelle Black (2020), Brittain Ezzes (2024), Damien McCann (2025), Samir Mathur (2020), John Queen (2020), Andrew Suzman (2015). Management tenure is more important for actively managed funds than passive index funds.
The fund has 2 primary benchmarks: S&P Target Date Retirement Income TR USD index with a weighting of 100% and Lipper Retirement Income Funds TR USD index with a weighting of 100%. American Fds Retire Inc Port-Mod F-3 has 11 securities in its portfolio. The top 10 holdings constitute 100.0% of the fund’s assets. The fund meets the SEC requirement of being classified as a diversified fund. The fund is not considered to have an ESG focus with its investment selection and management.
American Fds Retire Inc Port-Mod F-3 is part of the Allocation global asset class and is within the Allocation fund group. American Fds Retire Inc Port-Mod F-3 has 23.2% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 32.8%. There is 18.3% allocated to foreign stock, and 0.4% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 41.6% (36.6% domestic bond, 4.9% foreign bond and 0.0% convertible bond). American Fds Retire Inc Port-Mod F-3 has 6.0% of the portfolio in cash.
Assets Under Management
The fund has $18 million in total assets, which is below the $2 billion average for the Moderate Allocation category. Normally, lower assets under management translates to higher average expense ratios, and greater total assets are desired. However, for some investment categories, such as small-cap investing, it may be difficult for the manager to fully employ the desired active strategy if assets grow too large or too quickly.
FIMWX Performance and Fees
The expense ratio measures how much of a fund’s assets are used for administrative expenses and operating expenses, including adviser fees and fees for the transfer agent and custodial services. The American Fds Retire Inc Port-Mod F-3 expense ratio is below average compared to funds in the Moderate Allocation category. American Fds Retire Inc Port-Mod F-3 has an expense ratio of 0.31%, which is 69% lower than its category average, making the fund expense ratio grade a A. While it is difficult to predict returns, it is known that high annual expense ratios reduce your rate of return, and excessive fees are difficult to overcome. Active management normally comes with higher expense ratios than passive index management. Certain investment categories such as small company and foreign also normally have higher expense ratios. It is best to compare fund expense ratios against the category averages for meaningful assessments.
High portfolio turnover can translate to higher expenses and lower aftertax returns. American Fds Retire Inc Port-Mod F-3 has a portfolio turnover rate of 6%, indicating that holds its assets around 0.2 years. By way of comparison, the average portfolio turnover is 52% for the Moderate Allocation category.
Recently, in the month of July 2026, American Fds Retire Inc Port-Mod F-3 returned 0.4%, which earned it a grade of B, as the Moderate Allocation category had an average return of -0.3%. The letter grades of A, B, C, D and F are based upon relative rankings within the investment category. A grade of A, for example, would indicate that the return is in the highest 20% for that time period compared to all funds in that category.
American Fds Retire Inc Port-Mod F-3 has a trailing yield of 3.29%, which is above the 1.97% category average. The fund normally distributes its income quarterly and its capital gains annually.
It’s natural to seek the best-performing investments, but you must consider the relationship between risk and return and the impact of costs and taxes on your realized returns.
American Fds Retire Inc Port-Mod F-3 Grades
Year to date, the fund has returned 6.5%, 0.0 percentage points better than the category, which translates into a grade of C. The fund has returned 13.4% over the past year (grade of C), 11.9% over the past three years (grade of C) and 6.7% per year over the past five years (grade of C) and 7.2% per year over the past 10 years (grade of F).
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FIMWX Trailing NAV Total Returns Data as of 7/31/26
| Last Month |
Last Quarter |
Ann'l. 1Yr |
Ann'l. 3Yr |
Ann'l. 5Yr |
Ann'l. 10Yr |
|
| FIMWX Return (NAV) | 0.4% | 2.1% | 13.4% | 11.9% | 6.7% | 7.2% |
| FIMWX Grade | B | D | C | C | C | F |
| +/- Category | 0.6% | -0.1% | 0.4% | -0.1% | 0.1% | -1.2% |
| Moderate Allocation Avg | -0.3% | 2.1% | 13.1% | 12.0% | 6.6% | 8.5% |
| FIMWX Tax Cost Ratio | na | na | 2.0% | 1.5% | 1.5% | na |
FIMWX Annual NAV Total ReturnsData as of 7/31/26
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
| FIMWX Return (NAV) | 6.5% | 16.1% | 9.4% | 9.6% | -9.8% | 12.4% | 7.8% | 15.7% | -3.5% | 11.5% | 7.5% |
| FIMWX Grade | C | A | F | F | A | D | F | F | B | F | C |
| +/- Category | 0.0% | 2.7% | -2.9% | -4.7% | 4.2% | -2.0% | -5.1% | -4.1% | 1.6% | -2.3% | -0.2% |
| Moderate Allocation Avg | 6.4% | 13.4% | 12.2% | 14.3% | -14.0% | 14.4% | 12.9% | 19.8% | -5.1% | 13.8% | 7.7% |
| Risk Measures | |
| Standard Deviation: | 7.5% |
| Total Risk Index: | 0.61 - Below Average |
| Category Risk Index: | 0.82 - Low |
| Category Risk Grade: | A (5% Rank) |
| Beta: | 0.78 |
| R-Squared: | 95% |
| Leveraged Fund: | No |
| Inverse Fund: | No |
| Portfolio Characteristics | |
| Equity Investment Style: | Large-Cap Value |
| Bond Investment Style: | High Quality Moderate Sensitivity |
| Yield: | 3.3% |
| Dividend Distribution: | Quarterly |
| Cap Gains Distribution: | Annually |
| Total Assets: | $1754 Mil |
| Fund Total Assets: | $ 19 Mil |
| Share Class Type: | Inst |
| Portfolio Turnover: | 6% |
Management Team
| Number of Managers: 7 | |||
| Longest Tenure: 10.9 years | |||
| Average Tenure: 6.5 years | |||
| Managers (Year): Phoa Wesley (2015), Suzman Andrew (2015), Mathur Samir (2020), Queen John (2020), Black Michelle (2020), Ezzes Brittain (2024), McCann Damien (2025) | |||
Portfolio Composition (as of 6/30/26)
| # of Holdings: | 11 |
| % in Top 10 Holdings: | 100.0% |
| Fund is Non-Diversified: | No |
| % in Foreign Issues: | 23.2% |
Portfolio Allocation |
|
| Domestic Stock: | 32.8% |
| Foreign Stock: | 18.3% |
| Preferred Stock: | 0.4% |
| Domestic Bond: | 36.6% |
| Foreign Bond: | 4.9% |
| Convertible Bond: | 0.0% |
| Other: | 1.0% |
| Cash: | 6.0% |
Purchase Information
| Fund Family: | Capital Group |
| Phone Number: | 800-421-4225 |
| Website: | www.americanfunds.com |
| Status: | Open |
| Inception Date: | January 27, 2017 |
| Min. Initial Purchase: | $1,000,000 |
| Min. Initial IRA Purchase: | $ 0 |
| True No-Load: | Yes |
| Front Load Maximum: | 0.00% |
| Deferred Charge Maximum: | 0.00% |
| Redemption Charge Maximum: | 0.00% |
| 12b-1 Fee: | na |
Expenses and Fees | |
| Expense Ratio (%): | 0.31% ( Rating : Below Avg ) |
| Category Average Expense Ratio (%): | 0.99% |
| Share Class: | American Funds Retire Inc Port-Mod R-3 |
| Min. Subsequent Purchase: | $ 0 |
| Min. Subsequent IRA Purchase: | $ 0 |
