American Funds Capital Income Bldr R3 (RIRCX)

American Funds Capital Income Builder Class R-3 is a mutual fund designed to provide investors with a high level of current income that exceeds the average yield of U.S. stocks, along with the goal of growing income streams over time. Its secondary objective is capital appreciation. The fund primarily invests at least 90% of assets in a diversified mix of income-producing securities, including both global equities and bonds, emphasizing established companies known for regular dividend payments. It falls within the world allocation category, targeting investors who seek conservative, income-oriented investments and long-term resilience against market declines. Notable holdings span global leaders in technology, healthcare, financials, and consumer sectors, offering broad exposure across industries and geographies. Managed by Capital Research and Management Company, the fund has a history of balancing yield and growth, with quarterly dividend distributions and a disciplined approach focused on fundamental research and risk management. This structure makes it especially prominent for retirement-focused and income-seeking investors.