dream big. save smart. start today. - general...

Retirement PlanningEnrollment book

Dream big.Save smart.Start today.

Prepared for:General Insulation Co Inc

Prepare for the retirement you desire

When planning for retirement, start by asking yourself what you’ll be doing in 10, 20 or 30 years. Will you:

• Have the freedom to follow your dreams?

• Live on a budget and pursue your interests?

• Continue to work because you choose to or have to?

Regardless of what you choose to do, your retirement plan can help you get closer to achieving those goals.

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 a financial professional and should be read carefully before investing.

Your retirement plan makes it simple

Your employer’s retirement plan makes it easy to save for the future. It can help you get closer to wherever you want to be in retirement.

To get started, all you need to do is:

• Decide how much to save

• Choose where to invest

• Take action

American Funds is a key provider for your retirement plan

Your employer believes American Funds is the right choice to manage your retirement savings. It is one of the oldest and largest mutual fund families in the country.

• Since1931,AmericanFundshasinvested with a long-term focus and attention to risk.

• AmericanFundshasmorethan$1.1trillioninassetsundermanagement(asof12/31/13).

• Abouthalfofthemorethan 50 million investor accounts

in the American Funds are retirement accounts like yours.

• AmericanFundsunderstandsthat investors need help with retirement planning; that’s why its funds are distributed through financial professionals.

For more information about American Funds, see the inside back cover.

1000001_ENG_010001

Your retirement plan is one of the most important benefits your employer offers you. Discover the potential advantages of contributing to your plan:

ConvenienceSimply decide how much you’d like to contribute and the money is automatically taken out of your paycheck — before you have a chance to spend it. For example, the $1.50 you might pay for a cup of coffee every day could add up to more than $65,000 over 30 years if you save in the plan.*

* Assuming the $1.50 a day earned an 8% annual return for 30 years.

Pretax contributionsIf you contribute $100 from every paycheck, it may cost you only $75 in actual take-home pay because the money is deducted directly from your paycheck before you pay any taxes.†

† Assuming that you pay 25% in taxes.

Growth potential over the long termThe longer you stay invested in the plan, the greater likelihood you’ll have of reaching your retirement goals. That’s because you’re able to make money on what you’ve invested and on any account earnings.

Take advantage of your plan’s benefits

Check out yourplan’s websiteFor a closer look at your plan’sbenefits and how they can help youreach your retirement goals, visitamericanfunds.com/retire.

On this website, you’ll find:

l Account access

l Easy-to-use tools andcalculators

l Reasons for participating in theplan

l Articles on key investing topics

2| Visit your plan's website at americanfunds.com/retire

Sarah is ready to give it a try. “ I put off saving for too long. Now that I’ve begun to pay off some debts, I’m finally going to start saving. For me, saving something — even a small amount — is better than doing nothing. My goal is to increase my savings each year for as long as I work.”

A little can go a long wayStart saving what you can today and commit to increasing your savings in the future.This chart shows how various contribution levels can result in larger withdrawalsduring retirement.

If you contribute 15% 10% 6%

Contributions every two weeks $ $ $288 192 115

Contribution amount by year-end 7,500 5,000 3,000

Monthly retirement withdrawals In 10 years 383 256 153

In 20 years 1,235 824 494

In 30 years 3,129 2,086 1,252

The example above assumes an annual salary of $50,000. Values are for illustrative purposesonly and do not reflect the results of any particular investment, which will fluctuate with marketconditions, or taxes that may be owed on tax-deferred contributions, including the 10% penaltyfor withdrawals taken before age 59½. An 8% average annual return rate, compounded everytwo weeks, is assumed. Monthly retirement withdrawal reflects an annual withdrawal rate of 4%of the account balance divided by 12. The estimate does not take into account certain factors,including changes to the employee contributions, required minimum distributions, holdingperiods and post-retirement taxes. These are point-in-time views and as such do not take intoaccount any growth or loss during retirement. Without investment growth/loss duringretirement, a 4% annual withdrawal rate would deplete the retirement savings in 25 years.Estimated withdrawal calculations are not intended to reflect actual results; your results mayvary. Regular investing does not ensure a profit or protect against loss. Please consult yourfinancial professional for any questions you may have about your situation.

Start where you canBegin by setting a short-term goal you can achieve — for example, $100 per payperiod or maybe $250 a month. Your specific goal will depend on your budget andshould be an amount you know you can stick to. When setting your goal, keep inmind that saving $300 a month may only mean a reduction in take-home pay of $225if you're in the 25% tax bracket. Once you reach your goal, challenge yourself to savemore. Starting to save — rather than waiting — is the key.

Need help?Call Thomas Hoffman / ThomasMcCarthy at (781) 356-2000 orsend an email [email protected] if youneed some guidance.

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Experts say you’ll need to save 10% to 15% of your salary each year to have enough to live on in retirement. If you can’t afford that much, contribute what you can today and increase your contribution every year.

Decide how much to save

The more money you’ve accumulated, the better prepared you’ll be to:

The projected cost of a gallon of milk in 30 years. Although the average cost today is $3.55, this example shows how your savings may buy less in the future.

Source: Bureau of Labor Statistics.Assuming a 4% inflation rate for 30 years.

Fight inflation

$11.51

Social Security replaces about 40% of an average worker’s income in retirement. Providing the rest is up to you.

Source: Social Security Administration.

Supplement Social Security

40%

It’s estimated that a 65-year-old couple, both with average prescription drug expenses, would need $255,000 in savings to have a 90% chance of having enough money for health care expenses in retirement.

Source: Employee Benefit Research Institute (EBRI).

Help pay for health care

$255,000

Use the Retirement Roadmap® onamericanfunds.com/retire tocreate more personalizedestimates of what you may needin retirement.

Help is just a call orclick awayCall your plan’s financialprofessional Thomas Hoffman /Thomas McCarthy at(781) 356-2000 or send an emailto [email protected] forhelp in finding the investmenttypes that are a good match foryour own investing styleand goals.


Save the amount that makes the most sense for youYou don’t have to take an all-or-nothing approach when it comes to saving. These three scenarios may give you an idea of how to get started.

I started small and increased my savings each year.

“ I feel lucky to be able to set aside a lot of money for retirement. In fact, I’m 'maxing out.' And because I’m over 50, I get to contribute additional money.”

“ At first I couldn’t afford to contribute much as I had a number of priorities. Putting away something was better than not saving at all. Since then, I’ve gradually increased my contributions. When I’ve gotten a raise, I’ve added some of it to my contributions. And, over time, it’s made a difference in my account value.”

I contribute the maximum to the plan.

“ While contributing the maximum isn’t an option now, I’m contributing 8% of my pay because that fits my budget. I started with 5%. I’m slowly working my way to 10% a year. I’ve been able to increase the amount I contribute to the plan by 1% of my pay. I barely notice the dent in my paycheck.”

I now save 8% of my pay.

5

Choose your investmentsOption A: Choose a target date fund

What is a target date fund?It’s a group of mutual funds combined into one fund that serves as a single diversified retirement investment. Because each fund in the American Funds Target Date Retirement Series® is designed to serve as a complete portfolio, you only need to choose one based on when you expect to retire.

What you should know about the target date series• Theseriesconsistsof10targetdatefundportfolios,withretirementdatesrangingfrom2010to2055infive-year increments.

• EachfundiscomposedofadiversemixoftheAmerican Funds and is subject to their risks and returns.

• AmericanFundsinvestmentprofessionals manage each target date fund portfolio, moving it from a more growth-oriented focus to a more income-oriented focus as the target date approaches.

• Investmentprofessionalscontinuetomanageeachfundfor30yearsafteritstargetdateisreached.

• Thetargetdateistheyearinwhichaninvestorisassumed to retire and begin taking withdrawals.

• Althoughthetargetdatefundsaremanagedforinvestors on a projected retirement date time frame, the funds’ allocation approach does not guarantee that investors’ retirement goals will be met. In addition, contributions to the fund may not be adequate to reach your retirement goals.

Option A: Choose a target date fund

A good choice if you:• Preferasimplifiedapproachtoinvesting.

• Wanttoinvestinaportfoliothat’sspecificallydesigned with your retirement date in mind.

• Don’twanttomakedecisionsonhowdifferent investments work together.

Option B: Build your own portfolio

(To learn more about this option, see the sample investment models in this brochure.)


If you plan to retire or have retired during this period

Then choose this target date fund

2053andlater 2055

2048–2052 2050

2043–2047 2045

2038–2042 2040

2033–2037 2035

2028–2032 2030

2023–2027 2025

2018–2022 2020

2013–2017 2015

2012andearlier 2010

Eachtargetdatefundisdesignedtoactasasingle diversified retirement portfolio, so you

only need to select one.

Choose the target date fund that’s right for youFind the year that you expect to retire and may begin taking withdrawals and match it with one of the American Funds target date retirement funds below. Of course, you should consider any assets and investments outside your plan as you make your investment decision.

John is all set with a ready-made portfolio.“ A target date fund is a great option for me. I don’t feel qualified to build my own portfolio using different funds. I like the idea that investment professionals are managing the fund based on a retirement date. That gives me time to focus on other things.”

Don’t leave yourselection to chanceCheck in with your plan’s financialprofessional to see if a target datefund might work for you.

If you’re already investing or within10 years of retiring, this may bethe right time to review youroverall approach to see if it stillmakes sense. Call ThomasHoffman / Thomas McCarthy at(781) 356-2000 or send an emailto [email protected].

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What does building your own portfolio mean?It’s a hands-on approach to selecting your investments. The investments you choose will depend on a number of factors, including when you expect to withdraw the money, your risk tolerance, and your financial goals and circumstances. The key lies in creating a portfolio with a mix of investments that have diverse objectives you can stick with through all kinds of market conditions.

What you should know about the investmentsThe investments in your plan have different objectives with varying degrees of risk-and-return potential. For example, growth investments have the highest long-term return potential but also have the highest degree of risk. Cash equivalents aim to preserve what you’ve saved but may not provide the growth needed to meet your retirement goals. Other types, such as bonds, fall in between and have varying degrees of risk and return. For example, the value of bond investments may fall as interest rates rise.

To learn about the different investment types, visit your plan’s website. There you can also access fund overviews and data (including investment detail pages and prospectuses) that can help you select your investments.

Choose your investmentsOption B: Build your own portfolio

Option B: Build your own portfolio

A good choice if you:• Wanttochooseyourowninvestments.

• Prefertouseasamplemodelasaguideforselecting your funds.

• Wanttotailoraninvestmentportfoliowithyour specific financial goals in mind.

Option A: Choose a target date fund

(To learn more about this option, see the target date fund information in this brochure.)

Help is just a call awayCall your plan’s financial professional ThomasHoffman / Thomas McCarthy at (781) 356-2000 orsend an email to [email protected] for help infinding the investment types that are a good matchfor your own investing style and goals.


These models, developed by investment professionals at American Funds, emphasize an investor’s time horizon and take into account the historic returns of the different types of investments (growth, growth-and-income, equity-income/balanced and bond). Specifically, the models seek to balance total return and stability over time.

If the sample model for your time horizon doesn’t align with your goals, consider adjusting the percentages. You can also create your own mix with the help of your plan’s financial professional.

Get started with sample modelsMany people who build their own portfolios use models as a starting point. Whether you use one of the sample models below or create your own, you’ll need to choose specific investments. When selecting your investments, you should also take into account your risk tolerance as

well as your other assets and any investments outside your plan, such as your home equity, IRAs and savings accounts.

If the sample model for your time horizon doesn’t align with your goals, consider adjusting the percentages. You can also create your own mix with the help of your plan’s financial professional.

t higher volatility higher returns

lower volatility u lower returns

Jeff: Model A 20yearsormoreuntilretirement

“Withmorethan30yearstoretirement, I chose investments that have the potential for higher returns. I know I may suffer short-term drops in my account, but that’s okay. Time is on my side, and I’m sticking to my goals.”

Julianna: Model B 5to20yearsuntilretirement

“I’mabout10yearsfromretirement. I realize I need to have a balance between growth investments and those that seek income. Getting the right combination is important.”

Fred: Model C 5yearsorlessuntilretirement

“ I’m retiring in two years. I’ve seen it all in the years I’ve been investing — good results and bad. I can’t afford dramatic swings in my account, so now my portfolio is more income-oriented.”

Growth-and-income 35%

Equity-income/Balanced 20%

Bond 5%

Growth 40%

Bond 25%

Equity-income/Balanced 20% Growth-and-

income 35%

Growth 20%

Growth-and-income 30%

Equity-income/Balanced 20%

Bond 35%

Growth 15%

9

Investment-related disclosureInvestment-related informationThe investment options in your plan

Figures shown are past results and are not predictive offuture results. Current and future results may be lower orhigher than those shown here. Share prices and returnswill vary, so you may lose money. Investing for shortperiods makes losses more likely. An investment in themoney market fund is not insured or guaranteed by theFDIC or any other government agency. AlthoughAmerican Funds Money Market Fund seeks to preservethe value of your investment at $1.00 per share, it ispossible to lose money by investing in the fund.

Results for the American Funds are Class A shares at netasset value. If the maximum sales charge (5.75% forgrowth, growth-and-income, equity-income, balanced,target date funds and most Portfolio Series funds; 3.75%for most bond funds; and 2.50% for intermediate andshort-term bond funds and American Funds PreservationPortfolio) had been deducted, these results would havebeen lower. There is no sales charge for American FundsMoney Market Fund Class A shares. For currentinformation and month-end results for the AmericanFunds and any other investments in your plan, please visitamericanfunds.com/retire or ask your employer.

One way to assess an investment’s results is to compare itsresults with those of a comparable benchmark or index.The benchmarks and their returns are shown in the table.Check your investment’s annual and semi-annual reportsto shareholders for more information.

You should carefully consider fees and expenses whenmaking investment decisions. The cumulative effect of feesand expenses can substantially reduce the growth of yourretirement account over time. For an example of the long-term effect of fees and expenses, visit the EmployeeBenefits Security Administration (EBSA) website atwww.dol.gov/ebsa/publications/401k_employee.html.However, fees and expenses are only one of many factorsto consider when you evaluate your plan investmentoptions.

Generally, there are two types of fees and expensesassociated with saving and investing through a retirementplan: (1) recordkeeping and administrative fees and (2)investment expenses. The expenses related to eachinvestment in your plan are known as the expense ratios.Expense ratios tend to vary with the investment category;for example, a money market investment will generallyhave a lower expense ratio than a global equityinvestment, which has higher costs.

The gross expense ratio reflects the investment’s totalannual operating expenses. It does not include any feewaivers or expense reimbursements. The net expenseratio reflects any applicable fee waivers or expensereimbursements. This is the actual expense ratio that youpaid. Expense ratios are as of each investment’sprospectus available at the time of publication.

Prospectuses, SAIs and annual reports, if applicable, areavailable free of charge by calling (877) 833-9322 or onthe Web at americanfunds.com/retire.

Portfolio turnover information is included in yourinvestments’ summary prospectuses.

For additional details, go toamericanfunds.com/retire and click on the link under“Monthly Investment Results”. If you have an establishedlog-in, you can also access investment information bylogging in and clicking on the “Investment Options” tab.



Investment nameBenchmarkInvestment manager

Asset class

Inception date

Average annual total returns (%) Expense ratios (%) Gross expenses

per $1,000

Lifetime 10 years 5 years 1 year gross net

Investment options for Class NAV as of 12/31/14

Growth investmentsAmerican Funds EuroPacificGrowth

Growth 04/16/84 11.18 6.71 5.68 -2.64 0.84 0.84 $8.40

MSCI All Country World Index (ACWI) ex USA N/A 5.13 4.43 -3.87

American Funds. Shareholder type fees - None.

Investment footnote(s): 1,2,3,4,5,6,7,8,9,10

American Funds GrowthFund of America

Growth 12/01/73 13.73 8.05 13.49 9.30 0.66 0.66 $6.60

Standard & Poor's 500 Composite Index 11.07 7.67 15.44 13.66


Investment footnote(s): 3,4,5,6,7,8,9,10

American Funds NewPerspective Fund

Growth 03/13/73 12.40 8.09 10.49 3.23 0.76 0.76 $7.60

MSCI All Country World Index (ACWI) N/A 6.09 9.17 4.16


Investment footnote(s): 1,3,4,5,6,7,8,9,10

American Funds New World Fund Growth 06/17/99 8.26 8.50 5.03 -3.66 1.03 1.03 $10.30

MSCI All Country World Index (ACWI) 4.12 6.09 9.17 4.16


Investment footnote(s): 2,3,4,5,6,7,8,9,10,11,12,13

American Funds SMALLCAPWorld Fund

Growth 04/30/90 9.73 8.39 11.43 1.82 1.07 1.07 $10.70

MSCI All Country World Small Cap Index N/A 8.17 11.61 1.78


Investment footnote(s): 1

Growth-and-income investmentsAmerican Funds AmericanMutual Fund

Growth-and-income

02/21/50 11.79 7.72 13.73 12.60 0.59 0.59 $5.90




American Funds Cap WorldGrowth & Income

Growth-and-income

03/26/93 11.06 7.55 9.03 4.01 0.80 0.80 $8.00




American Funds FundamentalInvestors

Growth-and-income

08/01/78 12.61 8.61 13.43 8.96 0.63 0.63 $6.30




11



Asset class

Inception date


per $1,000



Growth-and-income investmentsAmerican Funds Growth &Income Portfolio

Growth-and-income

05/18/12 15.24 N/A N/A 7.03 0.79 0.69 $7.90



Investment footnote(s): 2,3,4,5,6,8,9,10,11,12,13,15,16,17

American Funds WashingtonMut Inv Fund

Growth-and-income

07/31/52 11.99 7.31 14.90 11.22 0.60 0.60 $6.00




Equity-income investmentsAmerican Funds CapitalIncome Builder

Equity-income

07/30/87 9.73 6.23 8.89 6.61 0.59 0.59 $5.90




American Funds Income Portfolio Equity-income

05/18/12 10.35 N/A N/A 6.60 0.76 0.66 $7.60



Balanced investmentsAmerican Funds AmericanBalanced

Balanced 07/26/75 10.94 6.97 12.17 8.85 0.61 0.61 $6.10



Investment footnote(s): 3,5,6,7,8,10,12,13,14,18,19

American Funds BalancedPortfolio

Balanced 05/18/12 13.62 N/A N/A 6.63 0.82 0.72 $8.20



Investment footnote(s): 2,3,4,5,6,8,9,10,11,12,13,15,16,17,18,19

American Funds Global Balanced Balanced 02/01/11 7.84 N/A N/A 3.69 0.89 0.89 $8.90



Investment footnote(s): 2,3,4,5,6,7,8,9,10,12,13,14,18

13



Asset class

Inception date


per $1,000



Bond investmentsAmerican Funds Amer HighIncome Trust

Bond 02/19/88 8.24 6.20 7.52 0.52 0.66 0.66 $6.60

Barclays U.S. Corporate High Yield 2% Issuer Capped Index N/A 7.73 8.98 2.46



American Funds BondFund of America

Bond 05/28/74 7.97 3.48 4.59 5.53 0.61 0.61 $6.10

Barclays U.S. Aggregate Index N/A 4.71 4.45 5.97



American Funds CapitalWorld Bond Fund

Bond 08/04/87 6.62 3.82 3.11 1.59 0.90 0.90 $9.00

Barclays Global Aggregate Index N/A 3.6 2.65 0.59


Investment footnote(s): 1,2,3,5,6,8,9,10,11,12,13,20,21

Cash-equivalent investmentsAmerican Funds MoneyMarket Fund

Cash-equivalent

05/01/09 0.00 N/A 0.00 0.00 0.38 0.07 $3.80

USTREAS T-Bill Auction Ave 3 Mon 0.08 1.5 0.08 0.03


The annualized seven-day SEC yield for American Funds Money Market Fund, calculated in accordance with the SEC formula, was 0.00% asof 12/31/14. The yield takes into account the reimbursements of certain expenses where applicable. Without these, the yield would havebeen -0.30%. The yield more accurately reflects the investment’s current earnings than do the investments total returns.

Target date investmentsAmerican FundsTarget Date 2010

Target date 02/01/07 4.57 N/A 8.26 6.34 0.81 0.71 $8.10

S&P Target Date Through 2010 Index 4.98 5.53 8.16 5.34


Investment footnote(s): 2,3,4,5,6,8,9,10,11,12,13,15,16,17,18,19,22,23,24

American FundsTarget Date 2015

Target date 02/01/07 4.84 N/A 8.82 6.30 0.81 0.71 $8.10





Target date 02/01/07 4.99 N/A 9.62 6.42 0.81 0.71 $8.10




15



Asset class

Inception date


per $1,000



Target date investmentsAmerican FundsTarget Date 2025

Target date 02/01/07 5.59 N/A 10.86 6.36 0.83 0.73 $8.30





Target date 02/01/07 5.96 N/A 11.32 6.67 0.85 0.75 $8.50





Target date 02/01/07 5.96 N/A 11.35 6.71 0.86 0.76 $8.60





Target date 02/01/07 6.02 N/A 11.42 6.67 0.86 0.76 $8.60





Target date 02/01/07 6.02 N/A 11.43 6.72 0.86 0.76 $8.60

S&P Target Date Through 2045 Index 5.15 N/A 11.38 6.11




Target date 02/01/07 6.02 N/A 11.44 6.72 0.87 0.77 $8.70

S&P Target Date Through 2050 Index 5.22 N/A 11.51 6.08




Target date 02/01/10 12.26 N/A N/A 6.72 0.89 0.79 $8.90

S&P Target Date Through 2055+ Index 12.3 N/A 11.57 6.03


Investment footnote(s): 2,3,4,5,6,8,9,10,11,12,13,15,16,17,18,19,23,24

17

Investment-related disclosure

Investment results disclosure 1 This fund’s inception predates the

inception of its primarybenchmark; therefore, there is nocalculation for the benchmark’slifetime result.

2 Investments in emerging- andfrontier-markets securities may besubject to greater market, credit,currency, liquidity, legal, political,and other risks compared withassets invested in developedforeign countries.

3 Investments in foreign securitiesmay be subject to increasedvolatility as the value of thesesecurities can change more rapidlyand extremely than can the valueof U.S. securities. Foreign securitiesare subject to increased issuer riskbecause foreign issuers may notexperience the same degree ofregulation as U.S. issuers do andare held to different reporting,accounting, and auditingstandards. In addition, foreignsecurities are subject to increasedcosts because there are generallyhigher commission rates ontransactions, transfer taxes, highercustodial costs, and the potentialfor foreign tax charges on dividendand interest payments. Manyforeign markets are relatively small,and securities issued in less-developed countries face the risksof nationalization, expropriation orconfiscatory taxation, and adversechanges in investment orexchange control regulations,including suspension of the abilityto transfer currency from a country.Economic, political, social, ordiplomatic developments can alsonegatively impact performance.

4 The investment is intended to beheld for a substantial period oftime, and investors should toleratefluctuations in their investment’svalue.

5 Because the investment’s marketvalue may fluctuate up and down,an investor may lose money,including part of the principal,when he or she buys or sells theinvestment.

6 The investment is not a deposit orobligation of, or guaranteed orendorsed by, any bank and is notinsured by the Federal DepositInsurance Corporation, the FederalReserve Board, or any other U.S.governmental agency.

7 Growth securities may be subjectto increased volatility as the valueof these securities is highlysensitive to market fluctuations andfuture earnings expectations.These securities typically trade athigher multiples of currentearnings than do other securitiesand may lose value if it appearstheir earnings expectationsmay not be met.

8 The investment is activelymanaged and subject to the riskthat the advisor’s usage ofinvestment techniques and riskanalyses to make investmentdecisions fails to perform asexpected, which may cause theportfolio to lose value orunderperform investments withsimilar objectives and strategies orthe market in general.

9 A stake in any individual security issubject to the risk that the issuer ofthat security performs poorly,resulting in a decline in thesecurity’s value. Issuer-relateddeclines may be caused by poormanagement decisions,competitive pressures,technological breakthroughs,reliance on suppliers, laborproblems or shortages, corporaterestructurings, fraudulentdisclosures, or other factors.Additionally, certain issuers may be

more sensitive to adverse issuer,political, regulatory, market, oreconomic developments.

10 The market value of the portfolio’ssecurities may fall rapidly orunpredictably because ofchanging economic, political, ormarket conditions, which mayreduce the value of the portfolio.

11 Investments in below-investment-grade debt securities and unratedsecurities of similar credit quality,commonly known as "junk bonds"or "high-yield securities," may besubject to increased interest,credit, and liquidity risks.

12 Restricted and illiquid securitiesmay fall in price because of aninability to sell the securities whendesired. Investing in restrictedsecurities may subject the portfolioto higher costs and liquidity risk.

13 The value of fixed-income or debtsecurities may be susceptible togeneral movements in the bondmarket and are subject to interest-rate and credit risk.

14 The investment’s income paymentsmay decline depending onfluctuations in interest rates andthe dividend payments of itsunderlying securities. In this event,some investments may attempt topay the same dividend amount byreturning capital.

15 The value of equity securities,which include common, preferred,and convertible preferred stocks,will fluctuate based on changes intheir issuers’ financial conditions,as well as overall market andeconomic conditions, and candecline in the event ofdeteriorating issuer, market, oreconomic conditions.

16 A portfolio’s risks are closelyassociated with the risks of thesecurities and other investmentsheld by the underlying or



subsidiary funds, and the ability ofthe portfolio to meet its investmentobjective likewise depends on theability of the underlying funds tomeet their objectives. Investmentin other funds may subject theportfolio to higher costs thanowning the underlying securitiesdirectly because of theirmanagement fees.

17 Performance is subject to the riskthat the advisor’s asset allocationand investment strategies do notperform as expected, which maycause the portfolio tounderperform its benchmark, otherinvestments with similar objectives,or the market in general. Theinvestment is subject to the risk ofloss of income and capitalinvested, and the advisor does notguarantee its value, performance,or any particular rate of return.

18 Investments in mortgage-backedand asset-backed securities maybe subject to increased pricevolatility because of changes ininterest rates, issuer informationavailability, credit quality of theunderlying assets, marketperception of the issuer, availabilityof credit enhancement, andprepayment of principal. The valueof ABS and MBS may be adverselyaffected if the underlying borrowerfails to pay the loan included inthe security.

19 Investments in U.S. governmentobligations are subject to varyinglevels of government support. Inthe event of default, some U.S.government securities, includingU.S. Treasury obligations andGinnie Mae securities, are issuedand guaranteed as to principal andinterest by the full faith and creditof the U.S. government. Othersecurities are obligations of U.S.government-sponsored entitiesbut are neither issued nor

guaranteed by the U.S.government.

20 Investments in securities traded inforeign currencies or more directlyin foreign currencies are subject tothe risk that the foreign currencywill decline in value relative to theU.S. dollar, which may reduce thevalue of the portfolio. Investmentsin currency hedging positions aresubject to the risk that the value ofthe U.S. dollar will decline relativeto the currency being hedged,which may result in a loss of moneyon the investment as well as theposition designed to act as ahedge. Cross-currency hedgingstrategies and active currencypositions may increase currencyrisk because actual currencyexposure may be substantiallydifferent from that suggested bythe portfolio’s holdings.

21 A nondiversified investment, asdefined under the Investment Actof 1940, may have an increasedpotential for loss because itsportfolio includes a relatively smallnumber of investments.Movements in the prices of theindividual assets may have amagnified effect on anondiversified portfolio. Any saleof the investment’s large positionscould adversely affect stock pricesif those positions represent asignificant part of a company’soutstanding stock.

22 The S&P Target Date Throughseries indexes (2010-2045) beganon 5/31/2007. From 2/1/2007through 5/30/2007, the S&P TargetDate series was used.

23 Investments in forwards mayincrease volatility and be subject toadditional market, activemanagement, currency, andcounterparty risks as well asliquidity risk if the contract cannot

be closed when desired. Forwardspurchased on a when-issued ordelayed-delivery basis may besubject to risk of loss if theydecline in value prior to delivery, orif the counterparty defaults on itsobligation.

24 Concentrating assets in small-capitalization stocks may subjectthe portfolio to the risk that thosestocks underperform othercapitalizations or the market as awhole. Smaller, less-seasonedcompanies may be subject toincreased liquidity risk comparedwith mid- and large-cap companiesand may experience greater pricevolatility than do those securitiesbecause of limited product lines,management experience, marketshare, or financial resources,among other factors.

25 The S&P Target Date Through 2050Index began on 5/30/2008. From2/1/2007 through 5/29/2008, theS&P Target Date 2045Index was used.

Please read the followingimportant disclosure.

Investment results assume alldistributions are reinvested andreflect applicable fees and expenses.Expense ratios are as of each fund’sprospectus available at the time ofpublication. Net expense ratios reflectany current waivers and/orreimbursements to the funds; grossexpense ratios do not. Whenapplicable, investment results reflectfee waivers and/or expensereimbursements, without whichresults would have been lower. Formore information, please see yourplan’s website.

For the American Funds target datefunds, the investment adviser iscurrently waiving its management feeof 0.10%. After December 31, 2014,the adviser may modify or terminate

19


the waiver, but only with fund boardapproval. In addition, the investmentadviser has in the past reimbursedcertain expenses for all share classes.Investment results and net expenseratios reflect the waiver andreimbursements, without which theresults would have been lower andthe expenses would have beenhigher. The expense ratios are as ofeach fund’s prospectus available atthe time of publication and includethe weighted average expenses ofthe underlying American Funds.

Although American Funds MoneyMarket Fund has a 12b-1 plan for thisshare class, it’s currently suspendingcertain 12b-1 payments in this lowinterest rate environment. Shouldpayments commence, its investmentresults will be lower.

Lifetime returns for less than one yeararen’t annualized, but are calculatedas cumulative total returns.

Some investment names may beabbreviated due to space limitations.For a list of the full names of theAmerican Funds, including trademarkinformation,visit americanfundsretirement.com.

The indexes are unmanaged and,therefore, have no expenses. Therehave been periods when theinvestments have lagged the indexes.

Share classResults shown for the American FundsClass A shares are at net asset valuewith all distributions reinvested. If asales charge had been deducted, theresults would have been lower.

ManagerThe American Funds are managed byCapital Research and ManagementCompany, one of the nation’s oldestand largest investment managementfirms. Since 1931, Capital Researchand Management Company hasinvested with a long-term focus basedon thorough research and attention torisk — an investment style similar tothat of most people saving for

retirement.


Please read the important “Investment results disclosure” that precedes these “Investment details.”

Investment detailsThe investment options in your plan

All percentages of net assets, if shown, are for the most recent period available as of 12/31/14; holdings are subject to change. Expenseratios are as of each fund’s prospectus available at the time of publication. Please see each fund’s most recent prospectus, if applicable,for details. Please read the important “Investment results disclosure” that precedes these “Investment details.” Bond ratings, if shown,typically range from AAA/Aaa (highest) to D (lowest) and are assigned by credit rating agencies, such as Standard & Poor’s, Moody’sand/or Fitch, as an indication of an issuer's creditworthiness.

Growth investment

American Funds EuroPacific Growth

Goal

The fund's investment objective is to provide long-term growth of capital.

Fast facts

Began operations: 4/16/84Ticker symbol: AEPGX

Top 5 holdings %

3.8Novo Nordisk A/S 2.4Bayer AG 2.2Novartis AG 2.0SoftBank Corp. 1.8Prudential PLC

Expenses

Gross expense ratio: 0.84%Net expense ratio: 0.84%

To estimate the expenses paid annually for investing in this fund, multiply the gross expense ratio 0.84% by your balance in the fund. For example, if your fund balance is $1,000, you'll pay approximately $8.40 a year in expenses.

Past results (updated annually as of 12/31)

40

20

0

-20

-40

Totalreturn

21.1

21.1

2005

21.9

21.9

2006

19.0

19.0

2007

-40.5†

-40.5

2008

39.139.1

2009

9.4

9.4

2010

-13.6

-13.6

2011

19.2

19.2

2012

20.2

20.2

2013

-2.6

-2.6

2014

† Bar not shown to scale.

Stock holdings may include convertible securities.

Growth investment

American Funds Growth Fund of America

Goal

The fund's investment objective is to provide growth of capital.

Fast facts

Began operations: 12/1/73Ticker symbol: AGTHX

Top 5 holdings %

3.7Amazon.com, Inc. 3.3Google Inc. 2.3Gilead Sciences, Inc. 2.1Comcast Corp. 1.8Home Depot, Inc.

Expenses




40

20

0

-20

-40

Totalreturn

14.2

14.2

2005

10.9

10.9

2006

11.0

11.0

2007

-39.1

-39.1

2008

34.5

34.5

2009

12.3

12.3

2010

-4.9

-4.9

2011

20.5

20.5

2012

33.8

33.8

2013

9.3

9.3

2014


21




Growth investment

American Funds New Perspective Fund

Goal

The fund's primary investment objective is to provide long-term growth of capital. Future income is a secondary objective.

Fast facts

Began operations: 3/13/73Ticker symbol: ANWPX

Top 5 holdings %

4.2Novo Nordisk A/S 2.1Amazon.com, Inc. 1.6Microsoft Corp. 1.6Google Inc. 1.5ASML Holding NV

Expenses




40

20

0

-20

-40

Totalreturn

11.3

11.3

2005

19.9

19.9

2006

16.0

16.0

2007

-37.8

-37.8

2008

37.437.4

2009

12.8

12.8

2010

-7.6

-7.6

2011

20.8

20.8

2012

26.8

26.8

2013

3.2

3.2

2014


Growth investment

American Funds New World Fund

Goal

The fund's investment objective is long-term capital appreciation.

Fast facts

Began operations: 6/17/99Ticker symbol: NEWFX

Top 5 holdings %

1.6Baidu, Inc. 1.5Hikma Pharmaceuticals PLC 1.2International Container Terminal Services, Inc. 1.1Naspers Ltd. 1.1Novo Nordisk A/S

Expenses




40

20

0

-20

-40

Totalreturn

22.2

22.2

2005

33.4

33.4

2006

32.9

32.9

2007

-46.3†

-46.3

2008

52.2†52.2

2009

17.3

17.3

2010

-14.1

-14.1

2011

19.7

19.7

2012

10.0

10.0

2013

-3.7

-3.7

2014







Growth investment

American Funds SMALLCAP World Fund

Goal

The fund's investment objective is to provide long-term growth of capital.

Fast facts

Began operations: 4/30/90Ticker symbol: SMCWX

Top 5 holdings %

1.3Incyte Corp. 1.2Netflix, Inc. 1.2Domino's Pizza, Inc. 0.9AA PLC 0.9TriQuint Semiconductor, Inc.

Expenses




40

20

0

-20

-40

Totalreturn

16.5

16.5

2005

23.0

23.0

2006

17.2

17.2

2007

-49.4†

-49.4

2008

53.5†53.5

2009

24.9

24.9

2010

-14.4

-14.4

2011

21.9

21.9

2012

29.3

29.3

2013

1.8

1.8

2014



Growth-and-income investment

American Funds American Mutual Fund

Goal

The fund strives for the balanced accomplishment of three objectives — current income, growth of capital and conservation of principal.

Fast facts

Began operations: 2/21/50Ticker symbol: AMRMX

Top 5 holdings %

3.8Amgen Inc. 3.7AbbVie Inc. 3.4Verizon Communications Inc. 2.7Texas Instruments Inc. 2.0Home Depot, Inc.

Expenses




40

20

0

-20

-40

Totalreturn

4.9

4.9

2005

16.2

16.2

2006

3.3

3.3

2007

-30.0

-30.0

2008

25.4

25.4

2009

12.2

12.2

2010

4.8

4.8

2011

12.3

12.3

2012

27.9

27.9

2013

12.6

12.6

2014


23





American Funds Cap World Growth & Income

Goal

The fund's investment objective is to provide long-term growth of capital while providing current income.

Fast facts

Began operations: 3/26/93Ticker symbol: CWGIX

Top 5 holdings %

3.7Amgen Inc. 2.6Novartis AG 2.1Altria Group, Inc. 1.9Bayer AG 1.9Gilead Sciences, Inc.

Expenses




40

20

0

-20

-40

Totalreturn

14.7

14.7

2005

22.4

22.4

2006

17.5

17.5

2007

-38.4

-38.4

2008

32.3

32.3

2009

7.7

7.7

2010

-7.5

-7.5

2011

19.1

19.1

2012

24.8

24.8

2013

4.0

4.0

2014



American Funds Fundamental Investors

Goal

The fund's investment objective is to achieve long-term growth of capital and income.

Fast facts

Began operations: 8/1/78Ticker symbol: ANCFX

Top 5 holdings %

3.6Microsoft Corp. 2.8Comcast Corp. 2.5Amazon.com, Inc. 2.2Philip Morris International Inc. 2.2Boeing Co.

Expenses




40

20

0

-20

-40

Totalreturn

11.7

11.7

2005

19.2

19.2

2006

13.6

13.6

2007

-39.7

-39.7

2008

33.4

33.4

2009

14.1

14.1

2010

-1.9

-1.9

2011

17.1

17.1

2012

31.5

31.5

2013

9.0

9.0

2014







American Funds Growth & Income Portfolio

Goal

The fund’s investment objective is to provide long-term growth of capital while providing current income.

Fast facts

Began operations: 5/18/12Ticker symbol: GAIOX

Portfolio Holdings %

24.8American Funds Capital Income Builder20.0American Funds Growth Fund of America20.0American Funds Cap World Growth & Income20.0American Funds Investment Co of America15.2American Funds Capital World Bond Fund

Expenses




40

20

0

-20

-40

Totalreturn

N/A

N/A

2005

N/A

N/A

2006

N/A

N/A

2007

N/A

N/A

2008

N/A

N/A

2009

N/A

N/A

2010

N/A

N/A

2011

N/A

N/A

2012

20.9

20.9

2013

7.0

7.0

2014


American Funds Washington Mut Inv Fund

Goal

The fund's investment objective is to produce income and to provide an opportunity for growth of principal consistent with sound common stock investing.

Fast facts

Began operations: 7/31/52Ticker symbol: AWSHX

Top 5 holdings %

5.3Microsoft Corp. 4.2Home Depot, Inc. 3.8Boeing Co. 3.6Merck & Co., Inc. 3.5Wells Fargo & Co.

Expenses




40

20

0

-20

-40

Totalreturn

3.6

3.6

2005

18.0

18.0

2006

4.0

4.0

2007

-33.1

-33.1

2008

19.0

19.0

2009

13.3

13.3

2010

7.1

7.1

2011

12.5

12.5

2012

31.9

31.9

2013

11.2

11.2

2014


25




Equity-income investment

American Funds Capital Income Builder

Goal

The fund has two primary investment objectives. It seeks (1) to provide a level of current income that exceeds the average yield on U.S. stocks generally and (2) to provide a growing stream of income over the years. The fund's secondary objective is to provide growth of capital.

Fast facts

Began operations: 7/30/87Ticker symbol: CAIBX

Top 5 holdings %

3.1Altria Group, Inc. 2.8Verizon Communications Inc. 2.7AbbVie Inc. 2.7Philip Morris International Inc. 2.0Amgen Inc.

Expenses




40

20

0

-20

-40

Totalreturn

4.9

4.9

2005

22.0

22.0

2006

10.7

10.7

2007

-30.1

-30.1

2008

20.6

20.6

2009

8.7

8.7

2010

2.9

2.9

2011

11.8

11.8

2012

14.9

14.9

2013

6.6

6.6

2014


Equity-income investment

American Funds Income Portfolio

Goal

The fund’s investment objective is to provide current income and, secondarily, long-term growth of capital.

Fast facts

Began operations: 5/18/12Ticker symbol: INPAX


20.2American Funds Amer High Income Trust20.1American Funds US Government Securities19.9American Funds American Mutual Fund19.9American Funds Capital Income Builder19.9American Funds Income Fund of America

Expenses




40

20

0

-20

-40

Totalreturn

N/A

N/A

2005

N/A

N/A

2006

N/A

N/A

2007

N/A

N/A

2008

N/A

N/A

2009

N/A

N/A

2010

N/A

N/A

2011

N/A

N/A

2012

12.4

12.4

2013

6.6

6.6

2014





Balanced investment

American Funds American Balanced

Goal

The investment objectives of the fund are: (1) conservation of capital, (2) current income and (3) long-term growth of capital and income.

Fast facts

Began operations: 7/26/75Ticker symbol: ABALX

Top 5 holdings %

3.5Microsoft Corp. 2.6Comcast Corp. 2.2Home Depot, Inc. 2.1Wells Fargo & Co. 2.1Boeing Co.

Expenses




40

20

0

-20

-40

Totalreturn

3.1

3.1

2005

11.8

11.8

2006

6.6

6.6

2007

-25.7

-25.7

2008

21.1

21.1

2009

13.0

13.0

2010

3.8

3.8

2011

14.2

14.2

2012

21.7

21.7

2013

8.9

8.9

2014


Balanced investment

American Funds Balanced Portfolio

Goal

The fund’s investment objectives are to provide current income and long-term growth of capital and income.

Fast facts

Began operations: 5/18/12Ticker symbol: BLPAX


25.0American Funds American Balanced25.0American Funds Bond Fund of America20.0American Funds New Perspective Fund15.0American Funds Cap World Growth & Income15.0American Funds Washington Mut Inv Fund

Expenses




40

20

0

-20

-40

Totalreturn

N/A

N/A

2005

N/A

N/A

2006

N/A

N/A

2007

N/A

N/A

2008

N/A

N/A

2009

N/A

N/A

2010

N/A

N/A

2011

N/A

N/A

2012

18.1

18.1

2013

6.6

6.6

2014

27




Balanced investment

American Funds Global Balanced

Goal

The fund seeks the balanced accomplishment of three objectives: long-term growth of capital, conservation of principal and current income.

Fast facts

Began operations: 2/1/11Ticker symbol: GBLAX

Top 5 holdings %

2.5Novartis AG 2.1Amgen Inc. 1.8Altria Group, Inc. 1.6Verizon Communications Inc. 1.5Philip Morris International Inc.

Expenses




40

20

0

-20

-40

Totalreturn

N/A

N/A

2005

N/A

N/A

2006

N/A

N/A

2007

N/A

N/A

2008

N/A

N/A

2009

N/A

N/A

2010

N/A

N/A

2011

12.8

12.8

2012

17.2

17.2

2013

3.7

3.7

2014


Bond investment

American Funds Amer High Income Trust

Goal

The fund's primary investment objective is to provide a high level of current income. Its secondary investment objective is capital appreciation.

Fast facts

Began operations: 2/19/88Ticker symbol: AHITX

InvestmentsThe fund invests primarily in higher yielding and generally lower quality bonds (rated Ba or BB or below at time of purchase) and other similar securities, including preferred stocks. It may also invest up to 25% of its assets in securities of issuers based outside the U.S. The fund is designed for investors seeking a high level of current income who are able to tolerate greater credit risk and price fluctuations than those typically found in funds investing in higher quality debt securities.

Expenses




40

20

0

-20

-40

Totalreturn

3.6

3.6

2005

12.2

12.2

2006

1.5

1.5

2007

-27.5

-27.5

2008

48.4†48.4

2009

15.0

15.0

2010

2.0

2.0

2011

14.5

14.5

2012

6.4

6.4

2013

0.5

0.5

2014






Bond investment

American Funds Bond Fund of America

Goal

The fund's investment objective is to provide as high a level of current income as is consistent with the preservation of capital.

Fast facts

Began operations: 5/28/74Ticker symbol: ABNDX

InvestmentsNormally, the fund invests at least 80% of its assets in bonds and other debt securities, including U.S. government, corporate and mortgage-backed securities. The majority of its assets are rated A or better at time of purchase. Currently, the fund invests no more than 10% of its assets in debt securities rated BB or below. Typically, it invests in debt securities with a wide range of maturities.

Expenses




40

20

0

-20

-40

Totalreturn

1.9

1.9

2005

5.9

5.9

2006

3.4

3.4

2007

-12.2

-12.2

2008

14.9

14.9

2009

7.3

7.3

2010

6.5

6.5

2011

5.9

5.9

2012

-2.0

-2.0

2013

5.5

5.5

2014

Bond investment

American Funds Capital World Bond Fund

Goal

The fund's investment objective is to provide, over the long term, a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund's investments.

Fast facts

Began operations: 8/4/87Ticker symbol: CWBFX

InvestmentsUnder normal market conditions, the fund will invest at least 80% of its assets in bonds denominated in various currencies, including U.S. dollars. Issuers include governments and corporations in both developed and developing countries. Typically, the fund invests in intermediate- to long-term securities, up to 25% of which may be in bonds rated below investment grade (BB and below) at time of purchase.

Expenses




40

20

0

-20

-40

Totalreturn

-2.9

-2.9

2005

7.6

7.6

2006

8.6

8.6

2007

-0.6

-0.6

2008

10.6

10.6

2009

6.0

6.0

2010

3.8

3.8

2011

7.4

7.4

2012

-2.9

-2.9

2013

1.6

1.6

2014

29




Cash-equivalent investment

American Funds Money Market Fund

Goal

The investment objective of the fund is to provide a way to earn income on your cash reserves while preserving capital and maintaining liquidity. The fund is a money market fund that seeks to preserve the value of your investment at $1.00 per share.

Fast facts

Began operations: 5/1/09Ticker symbol: AFAXX

InvestmentsThe fund invests primarily in U.S. Treasury securities and other securities backed by the full faith and credit of the U.S. government, and in securities issued by U.S. federal agencies and other high-quality money market instruments. It may also invest in securities issued by entities outside the U.S. and in securities of U.S. issuers with substantial operations outside the U.S.

Expenses




40

20

0

-20

-40

Totalreturn

N/A

N/A

2005

N/A

N/A

2006

N/A

N/A

2007

N/A

N/A

2008

N/A

N/A

2009

0.0

0.0

2010

0.0

0.0

2011

0.0

0.0

2012

0.0

0.0

2013

0.0

0.0

2014

The annualized seven-day SEC yield for American Funds Money Market Fund, calculated in accordance with the SEC formula, was 0.00% as of 12/31/14. The yield reflects certain expenses reimbursed by the investment adviser. Without these reimbursements, the yield would have been -0.30%. The yield more accurately reflects the fund’s current earnings than do the fund’s total returns.

This area intentionally left blank.

7 of 7





American Funds

American Funds Target Date Retirement Series®

What you should know about the target date series• Each fund is composed of a diverse mix of the American

Funds and is subject to their risks and returns.• You can choose a single investment option as your overall

portfolio.• You don’t have to manage the portfolio. American Funds

investment professionals manage the target date fund’s portfolio, moving it from a more growth-oriented focus to a more income-oriented focus as the fund gets closer to its target date.

• Investment professionals continue to manage each fund for 30 years after its target date is reached.

• The target date is the year in which an investor is assumed to retire and begin taking withdrawals.

• Although the target date funds are managed for investors on a projected retirement date time frame, the funds’ allocation approach does not guarantee that investors’ retirement goals will be met. In addition, contributions to a target date fund may not be adequate to reach your retirement goals.

GoalDepending on the proximity to its target date, each fund will seek to achieve the following objectives to varying degrees: growth, income and conservation of capital.

Fast facts (updated annually as of 12/31/13)• The series consists of 10 target date funds with retirement

dates ranging from 2010 to 2055 in fi ve-year increments.• Each target date fund portfolio: — Is made up of at least 17 American Funds — Consists of the investment ideas of approximately

60 portfolio counselors

The 10 target date fund portfoliosThe target date funds (2055–2010) follow this current investment approach (see below), moving from a more growth-oriented focus when retirement is years away to a more income-oriented focus as the retirement date approaches.

The funds are managed through retirementThe target date series is managed to take investors through retirement — and accordingly, it’s managed well beyond a target retirement year. In a sense, the retirement date is seen as a starting point rather than an ending point.

How target date funds workTarget date funds are most appropriate for individuals who intend to retain assets in the fund past the designated target date and then gradually withdraw their assets over time. Keep in mind that while the funds are designed to serve investors throughout the retirement income phase, you don’t have to retain assets in the fund past the designated target date. Instead, you can move your money out of the target date fund and into other investments of your choosing.

You’ll fi nd an explanation of each target date fund’s investment approach in its summary prospectus. Please read the prospectus carefully before investing. You can also fi nd key investment details about each fund on americanfundsretirement.com or your plan’s website.

Target date investments

20

10

0

30

40

50

60

70

80

90

100%

American Funds Target Date Glide Path

Planned retirement year

2055 2050 2045 2040 2035 2030 2025 2020 2015 2010

45 40 35 30 25 20 15 10 5 +5 +10 +15 +20 +25 +30

Years before retirement Retirement Years after retirement

Growth

Growth-and-income

Bond

Equity-income/Balanced

31

Notes


Take action

In steps 1 and 2, write down what youplan to do, and then use the sameinformation to make your selectionsin step 3.

Step 1: Decide how much to saveReview the information in this brochure to get an idea ofhow much you may need to save per month: $_______(Check the “Your plan information” section to see howmuch you're allowed to save in the plan.)

Step 2: Choose where to investYou can select a target date fund or you can build yourown portfolio using different investments.• Choose a target date fund

Review the target date information in this brochure.• Build your own portfolio

Review the sample models information in this brochure.

Step 3: Make your selections• By form: Complete the enrollment form accompanying

this book with the same information you entered here.

Need help?If you’re not sure what to do next or need help in gettingstarted, contact your plan’s financial professional.

Choose a Target Date Fund Review the target date fund information in this brochure.

Target date investments

American Funds Target Date Retirement Fund Year: ___________________

TOTAL 100%

Build your own portfolio Review the sample models information in this brochure.

Growth investments

American Funds EuroPacific Growth ___________%

American Funds Growth Fund of America ___________%

American Funds New Perspective Fund ___________%

American Funds New World Fund ___________%

American Funds SMALLCAP World Fund ___________%

Growth-and-income investments

American Funds American Mutual Fund ___________%

American Funds Cap World Growth & Income ___________%

American Funds Fundamental Investors ___________%

American Funds Growth & Income Portfolio ___________%

American Funds Washington Mut Inv Fund ___________%

Equity-income investments

American Funds Capital Income Builder ___________%

American Funds Income Portfolio ___________%

Balanced investments

American Funds American Balanced ___________%

American Funds Balanced Portfolio ___________%

American Funds Global Balanced ___________%

Bond investments

American Funds Amer High Income Trust ___________%

American Funds Bond Fund of America ___________%

American Funds Capital World Bond Fund ___________%

Cash-equivalent investments

American Funds Money Market Fund ___________%

TOTAL 100%

33

Your plan informationTake action

This brochure isdesigned to meet theDepartment of Labor404(a)-5 requirements.

Your employer offers theGeneral Insulation Co Inc tohelp you prepare forretirement.This document is designed to helpyou understand certain planprovisions, investment informationand the costs associated with yourplan. If you come across a term thatisn’t familiar to you, please take amoment to review the glossaryavailable at americanfunds.com/retire.

Your plan’s summary plan description (SPD) provides all the details you’llneed about your plan. Below is anoverview of some of your plan’sfeatures. Ask your plan contact whereto get the most up-to-date SPD.

Administrative expenses

Plan-level expenses/creditsThe day-to-day operation of aretirement plan involves expenses forongoing administrative services —such as plan recordkeeping,compliance and plan documentservices, investment services andtrustee/custodial services — that arenecessary for administering the planas a whole. A retirement plan alsooffers a host of other services, such asa telephone voice response system,access to customer servicerepresentatives, retirement planningtools, electronic access to planinformation, account statements andonline transactions.

A portion of these services are paidfrom the plan’s investments. This isreflected in each investment’s expenseratio and reduces the investmentreturns. If an additional amount isrequired to cover your plan’sadministrative expenses, youremployer expects that it will be paidfrom the plan’s forfeiture assets or

from the general assets ofyour employer.

The plan may also incur unexpectedexpenses that may be deducted fromparticipant accounts.

General plan information

Your contributionsOnce you become eligible, you’ll beable to save for retirement in this plan.For more information about the plan’sspecific eligibility requirements, talk toyour employer or check youremployee handbook or othersummary of plan terms.

You decide how much of your salaryyou want to contribute directly fromyour paycheck, up to $18,000 in 2015,with before-tax contributions.

VestingThe money that you contribute to youraccount and whatever it grows to is100% yours.

Your investment optionsYou can choose a target date fundusing one of the American FundsTarget Date Funds, or you can buildyour own portfolio by choosing fromamong the other investment optionsin the plan.

Voting and other rightsThe trustee or another plan fiduciarymay vote or exercise any other rightsassociated with ownership of theinvestments held in your account.

Designated investmentalternativesThe “Investment-related information”table(s) identify and provideinformation about the plan’sinvestment options.

Making changes to your accountYou can make changes inyour plan by:n calling toll-free (877) 833-9322.n visiting americanfunds.com/retire.

Please note: Trading activity ismonitored to ensure that tradingguidelines, which are described in the

prospectuses, are observed.

If you exchange or reallocate $5,000or more from one investment youmust wait 30 days before you canexchange back into that sameinvestment. Non-American Funds mayhave their own trading restrictions.Please see the prospectusesfor details.

Monitoring your accountYou can monitor your investmentresults through:n Your quarterly statement.n Your plan’s voice response system at(877) 833-9322.n Your plan’s websiteamericanfunds.com/retire.

RolloversIf you have an account balance from aprevious employer’s retirement planor an IRA, you may be able to roll overthe vested portion of that account orIRA into this plan or into an IRA.Contact your previous employer toget the process started.

Individual expensesIn addition to overall planadministrative expenses, there areindividual service fees associated withoptional features offered under yourplan. Individual service fees will becharged separately if you choose totake advantage of a particular planfeature. These fees aredescribed below.

LoansAlthough your plan is intendedprimarily as a means of saving forretirement, there may be times whenyou’ll feel the need to borrow againstyour account balance.

If you decide to take a loan from youraccount, please read the followinginformation on loan fees.

Loan feesA loan initiation fee of $235 will bededucted from your account balancefor setting up the loan and providingan amortization schedule. An ongoingmaintenance fee of $50 per year isalso charged on an annual basis for


Your plan informationTake action

maintaining the loan on therecordkeeping system and formonitoring the loan paymentsreceived.

Periodic distribution feesIf your plan allows periodicdistributions, a setup and ongoing feewill be charged to your account forselecting this option. Periodicdistributions include a setup fee of$25, which is deducted from the initialdistribution. An annual maintenancefee of $25 is then deducted from thefirst distribution of each calendar yearthat follows.

One-time distribution/transactionfeesYou will be charged a fee for a one-time distribution or certain otherrequested account transactions. Theamount of the fee may vary based onthe type of distribution or transaction,if applicable.

One-time distribution fee: $100.00per request

In-service withdrawalsBecause the money you’ve saved inyour plan is allocated specifically forretirement, there are certainrestrictions placed on when you cantake money out of your plan. Pleasereview your plan’s SPD or contact your

employer to check about thecircumstances of when this is possible.

Hardship withdrawalsIf you have a financial emergency andfeel you may need to withdraw themoney in your plan, please reviewyour SPD or contact your employer formore information.

Have questions?

Your plan contactJeff Gentilotti(781) [email protected]

35

Employee

Complete Sections 1–4, then return this form to your employer.

1 Employee informationPlease type or print clearly.

Select one of the following: □ New plan enrollment □ Changes to existing account

– –

Full name (include middle initial) SSN

Residence address (physical address required — no P.O. boxes) City State ZIP

-

Mailing address (if different from residence address) City State ZIP

-

– –

– –

Date of birth (mm/dd/yyyy) Date of hire (mm/dd/yyyy) Country of citizenship

Marital status: □ Married □ Single

Employer

Complete this section and retain this form for your records.

Employer authorization

Name of employer, organization or company

Name of plan Plan ID number

The employee named in Section 1 below is eligible to participate in the plan as of (mm/dd/yyyy)

Name of person authorized to sign for the employer (print) Title

X / /

Authorized signature Date (mm/dd/yyyy)

General Insulation Co Inc IRK30067

Retirement Plan Enrollment/Change

1 of 4

Employee

Complete Sections 1–4, then return this form to your employer.

1 Employee informationPlease type or print clearly.

Select one of the following: □ New plan enrollment □ Changes to existing account

– –

Full name (include middle initial) SSN

Residence address (physical address required — no P.O. boxes) City State ZIP

-

Mailing address (if different from residence address) City State ZIP

-

– –

– –

Date of birth (mm/dd/yyyy) Date of hire (mm/dd/yyyy) Country of citizenship

Marital status: □ Married □ Single

2 Employee contributionsBefore completing this section, check with your plan to determine the available contribution options.

□ I authorize my employer to withhold from my wages each pay period:

Before-tax contributions of % OR $

After-tax Roth contributions (as allowed by plan) of % OR $

After-tax non-Roth contributions (as allowed by plan) of % OR $

Catch-up contributions of % OR $

□ I DO NOT wish to make contributions to the plan at this time.

Employer

Complete this section and retain this form for your records.

Employer authorization

Name of employer, organization or company

Name of plan Plan ID number

The employee named in Section 1 below is eligible to participate in the plan as of (mm/dd/yyyy)

Name of person authorized to sign for the employer (print) Title

X / /

Authorized signature Date (mm/dd/yyyy)

o I authorize my employer to withhold from my wages each pay period:

Before-tax contributions of ________% OR $___________

o I DO NOT wish to make contributions to the plan at this time.


1 of 3

2 of 4

3

1. % OR $

2. % OR $

3. % OR $

4. % OR $

5. % OR $

6. % OR $

7. % OR $

8. % OR $

9. % OR $

10. % OR $

Continued on next page

Investment SelectionBefore completing this section, check with your plan to determine the available investment options.

Select either A or B below:

A. o American Funds Target Date Retirement Fund Year: __________

B. o I wish to select my own investments from the options below. (Only whole percentages will be accepted; must total 100%.)


3 of 4

3 Investment selection(continued)

Investment name Percentage

11. % OR $

12. % OR $

13. % OR $

14. % OR $

15. % OR $

16. % OR $

17. % OR $

18. % OR $

19. % OR $

20. % OR $

21. % OR $

22. % OR $

23. % OR $

24. % OR $

25. % OR $

26. % OR $

27. % OR $

28. % OR $


1. American Funds EuroPacific Growth _________%

2. American Funds Growth Fund of America _________%

3. American Funds New Perspective Fund _________%

4. American Funds New World Fund _________%

5. American Funds SMALLCAP World Fund _________%

6. American Funds American Mutual Fund _________%

7. American Funds Cap World Growth & Income _________%

8. American Funds Fundamental Investors _________%

9. American Funds Growth & Income Portfolio _________%

10. American Funds Washington Mut Inv Fund _________%

11. American Funds Capital Income Builder _________%

12. American Funds Income Portfolio _________%

13. American Funds American Balanced _________%

14. American Funds Balanced Portfolio _________%

15. American Funds Global Balanced _________%

16. American Funds Amer High Income Trust _________%


2 of 3



3 of 4


Investment name Percentage

11. % OR $

12. % OR $

13. % OR $

14. % OR $

15. % OR $

16. % OR $

17. % OR $

18. % OR $

19. % OR $

20. % OR $

21. % OR $

22. % OR $

23. % OR $

24. % OR $

25. % OR $

26. % OR $

27. % OR $

28. % OR $


17. American Funds Bond Fund of America _________%

18. American Funds Capital World Bond Fund _________%

19. American Funds Money Market Fund _________%

4 of 4



Investment name Percentage Amount

29. % OR $

30. % OR $

31. % OR $

32. % OR $

33. % OR $

34. % OR $

35. % OR $

36. % OR $

37. % OR $

38. % OR $

39. % OR $

40. % OR $

Total % OR $

4 Employee signature

By signing below, I acknowledge that I have authorized my employer to allocate my investments as specified in Section 3. I acknowledge that I have completed a beneficiary designation form.

X / /

Signature of employee Date (mm/dd/yyyy)

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Investment name Percentage Amount

29. % OR $

30. % OR $

31. % OR $

32. % OR $

33. % OR $

Total %

Any contributions to participant accounts (payroll deferrals and rollovers) made before your employer updates your investmentselections will be invested in the plan's default investment. Assets will remain in the default investment until you use theparticipant website to exchange assets into the investments of your choice.


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Plan name: General Insulation Co IncPlan ID number: IRK30067

Beneficiary Designation

Please read the instructions and information below carefully before completing this form.

The designation of a beneficiary can have important tax consequences. You are encouraged to consult your tax advisor before completing this form. You should periodically review and update your beneficiary designations as appropriate.

If you are not married at the time you designate your beneficiaries and subsequently marry, 100% of your account balance will be paid at the time of your death to the surviving spouse unless your spouse signs Section 3 of this form.

1 Information about youPlease type or print clearly.

Name of participant Name of employer

– –

– –

Marital status:

SSN of participant Date of birth of participant (mm/dd/yyyy) □ Married □ Single

2 BeneficiarydesignationIf the percentages do not add up to 100%, each beneficiary’s share will be based proportionately on the stated percentages. When percentages are not indicated, the beneficiaries’ shares will be divided equally. If you wish to customize your designation or need more space, attach a separate page.

Primary Beneficiary(ies):I revoke all previous designations and direct that any proceeds be distributed upon my death to the designated beneficiary(ies) below. In the event that no Primary or Contingent Beneficiaries survive me, distribute any proceeds to my estate.

%1. Full name (include middle initial) (print) Relationship

– –

– –

SSN Date of birth (mm/dd/yyyy)


– –

– – 100

SSN Date of birth (mm/dd/yyyy) Total %

Contingent Beneficiary: (Complete only if you are naming a Primary Beneficiary above.)


– –

– –

SSN Date of birth (mm/dd/yyyy)


– –

– – 100

SSN Date of birth (mm/dd/yyyy) Total %

Signature:

X / /Signature of participant Date (mm/dd/yyyy)

1 of 2

Beneficiary Designation

3 SpousalconsentThe signature of the spouse must be witnessed by either a plan representative or a notary public.

I am the spouse of the participant named in Section 1. I irrevocably consent to the designation made by my spouse to have any death benefits paid to the named beneficiary(ies) specified in Section 2. I understand that the effect of such designation is to cause my spouse’s death benefit to be paid to a beneficiary other than me, that such beneficiary designation is not valid unless I consent to it and that my consent is irrevocable unless my spouse revokes the beneficiary designation.

Full name of spouse of participant (include middle initial) (print)

X / /Signature of spouse of participant Date (mm/dd/yyyy)

Either a plan representative appointed by the employer or a notary public must witness the signature of the spouse.

XName of plan representative (print) Signature of plan representative

Sworn to and subscribed before me, this day of , 20 Month Year

in the County of , State of

X / /Signature of notary public Date commission expires (mm/dd/yyyy)

Pleasereturnthisformtoyouremployer.

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00001010001

The American Funds AdvantageSince 1931, American Funds, part of Capital Group, has helped investors pursue long-term investment success. Our consistent approach — in combination with The Capital SystemSM — has resulted in a superior long-term track record.

Aligned with investor success

We base our decisions on a long-term perspective, which we believe aligns our goals with the interests of our clients. Our portfolio managers average 25 years of investment experience, including 21 years at our company, reflecting a career commitment to our long-term approach.1

The Capital SystemSM

Our investment process, The Capital System, combines individual accountability with teamwork. Each fund is divided into portions that are managed independently by investment professionals with diverse backgrounds, ages and investment approaches. An extensive global research effort is the backbone of our system.

Superior long-term track record

Our equity funds have beaten their Lipper peer indexes in 90% of 10-year periods and 96% of 20-year periods. Our fixed-income funds have beaten their Lipper indexes in 56% of 10-year periods and 57% of 20-year periods.2 Our fund management fees have been among the lowest in the industry.3

1 Portfolio manager experience as of December 31, 2013.

2 Based on Class A share results for rolling periods through December 31, 2013. Periods covered are the shorter of the fund’s lifetime or since the comparable Lipper index inception date (except SMALLCAP World Fund®, for which the Lipper average was used). Although Class A shares are available for purchase by retirement plans only in limited instances, their results reflect the investment management experience of the American Funds without retirement plan recordkeeping expenses. American Funds offers plan sponsors flexibility in how they pay for plan operating expenses (such as recordkeeping fees) through distinct retirement plan classes. Expenses differ for each class, so results will vary. For current information and month-end results for Class A shares and for all share classes, visit americanfundsretirement.com.

3 Based on management fees for the 20-year period ended December 31, 2013, versus comparable Lipper categories, excluding funds of funds.

Past results are not predictive of future results.

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 a financial professional and should be read carefully before investing.

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00001010001American FundsAddress1Address2Address3City, State, Zip-+4Country

dream big. save smart. start today. - general...

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