How one couple survived a volatile market with their retirement intact

The Duzans explain how they worked with their financial adviser to create a sensible, well-allocated plan that they believe will provide enough money for retirement.

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The statements included here are the opinions and beliefs of the speaker(s) expressed at the time the commentary was recorded and are not intended to represent the opinions and beliefs of the speaker(s) at any other time. These investor experiences may not be representative of the experience of other investors.

Funds discussed in this section may not be available in your employer’s retirement plan, but are included to provide insight into American Funds’ investment process.

Past results are not predictive of results in future periods.

Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

Investing outside the U.S. involves risks, such as currency fluctuations, periods of illiquidity and price volatility. These risks may be heightened in connection with investments in developing countries. See the most recent shareholder report or prospectus for more information on these and other risks associated with investing in the fund.

The return of principal for bond funds and for funds with underlying bond holdings is not guaranteed. Fund shares are subject to the same interest rate, inflation and credit risks associated with the underlying bond holdings. Bond prices and a bond fund's share price will generally move in the opposite direction of interest rates.

Capital Group manages equity assets through three investment groups. These groups make investment and proxy voting decisions independently. Fixed-income investment professionals provide fixed-income research and investment management across the Capital organization; however, for securities with equity characteristics, they act solely on behalf of one of the three equity investment groups.

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 plan’s financial professional or downloaded and should be read carefully before investing.