Security

The security of your personal information is critically important to us. That’s why we have a robust security program and infrastructure, including a team of cybersecurity and risk management professionals, to help monitor and protect your personal information 24/7. We review each report of unized access thoroughly, and file appropriate notices with law enforcement agencies. See Report Fraud or Suspicious Email for more information.

- What We Do
  We use a variety of controls to detect and prevent unized access to our network and sensitive information. Our cybersecurity response program fulfills the requirements of federal and state laws and includes appropriate notifications to investors and advisors when warranted.
  
  Our security program also features safeguards for your account. To help keep your information safe, we:
  
  Regularly refine and update security features. We review industry security standards and perform system testing on an ongoing basis to help identify and implement the most up-to-date techniques and technologies, and verify that our system is performing as expected.
  
  Actively monitor threats. We communicate with financial industry security groups and government agencies to monitor the threat landscape for emerging and active threats.
  
  Educate employees. American Funds associates receive ongoing security training, including how to handle sensitive data and be aware of security risks.
  
  Challenge questionable website access. If we don't recognize the device you're using to log in to your account, we'll send you a one-time passcode to verify your identity before you can access your account.
  
  Display last login information. The date and time of your most recent login will display in your account information.
  
  Mask confidential information. You’ll see asterisks or similar symbols in login fields and in place of your Social Security number. We’ll never mail your chosen password or answers to your security questions.
  
  Enforce website timeouts. Your online session will automatically time out after 20 minutes of inactivity.
  
  Use encryption to secure your data. We use industry-standard security protocols that leverage encryption to create a secure online environment. The green bar in the browser helps identify that you are on the official Capital Group and American Funds websites.
  
  We use a variety of controls to detect and prevent unized access to our network and sensitive information. Our cybersecurity response program fulfills the requirements of federal and state laws and includes appropriate notifications to investors and advisors when warranted.
  
  Our security program also features safeguards for your account. To help keep your information safe, we:
  
  Regularly refine and update security features. We review industry security standards and perform system testing on an ongoing basis to help identify and implement the most up-to-date techniques and technologies, and verify that our system is performing as expected.
  
  Actively monitor threats. We communicate with financial industry security groups and government agencies to monitor the threat landscape for emerging and active threats.
  
  Educate employees. American Funds associates receive ongoing security training, including how to handle sensitive data and be aware of security risks.
  
  Challenge questionable website access. If we don't recognize the device you're using to log in to your account, we'll send you a one-time passcode to verify your identity before you can access your account.
  
  Display last login information. The date and time of your most recent login will display in your account information.
  
  Mask confidential information. You’ll see asterisks or similar symbols in login fields and in place of your Social Security number. We’ll never mail your chosen password or answers to your security questions.
  
  Enforce website timeouts. Your online session will automatically time out after 20 minutes of inactivity.
  
  Use encryption to secure your data. We use industry-standard security protocols that leverage encryption to create a secure online environment. The green bar in the browser helps identify that you are on the official Capital Group and American Funds websites.
- How You Can Help
  Use our Account Security Checklist (PDF) to quickly assess the security features you have in place. More detailed information about each item and other best practices can be found below.
  
  Security is a joint effort. Here are some steps you can take to help protect your sensitive information.
  
  Customize your password and do not share it. You are responsible for protecting your account information. Don’t share usernames, account numbers or passwords; this information could be used to access your account inappropriately. Be wary of unsolicited requests for your personal information online, by email or by phone. Inquiries may seem innocent, but they could be part of a complex fraudulent scheme. American Funds will never ask for your password in an email.
  
  Create smart passwords and usernames. Make your password and username hard for others to guess by using a combination of letters, numbers and symbols that are meaningful only to you. Avoid using the same password and username for multiple websites, particularly financial websites, and be sure to change your password often.
  
  If you haven’t done so already, we encourage you to access your account online and customize your login information. First-time login
  
  If you want to change your existing username or password, log in and click on “Profile & Settings,” then go to the Profile tab. Returning login
  
  Sign up for e-delivery. When you turn off paper delivery of transaction confirmations, quarterly statements and tax forms, we’ll notify you by email as soon as your documents are available to access online through secure account login. Current and prior year quarterly statements and tax forms are always accessible in the same location on the Statements and Tax Forms web page. There are no documents to shred or to worry about getting lost or delivered to the wrong address. We recommend that you take advantage of e-delivery from all of your financial institutions that offer this service.
  
  Learn more
  Sign up now
  
  Keep your email address up to date. If you’ve set up online access to your account, sending you an email is the fastest way for us to inform you if a change to your personal information (Security Notification) or certain transactions are initiated online (Account Activity Notifications). We will let you know immediately when a change is initiated and again when the change is processed.
  
  Be Observant
  
  Promptly review confirmations and statements. If you spot unized activity on your American Funds transaction confirmations, quarterly statements or email notifications, contact us immediately.
  
  Think before you click. Be cautious about clicking on links, especially in emails, and be sure they link to a trusted website. Get in the habit of hovering over links to see the underlying web address. If you’re unsure about a link, you can go to the firm’s website by typing the correct address in your web browser.
  
  Pay attention to time stamps. Look for the “last login” date/time stamp when you log in to americanfunds.com and other sites that provide such a stamp. If the stamp doesn’t correspond to your most recent visit, follow up.
  
  Sign up for a credit-reporting service. Stay on top of who’s requesting access to your information — and why.
  
  Keep Your Computer Secure
  
  Keep your operating system and software current. When possible, use the latest operating systems available for your computers and devices. Also, be diligent about responding to software updates to help ensure the highest level of security for your devices.
  
  Activate security features. These include pop-up blockers and other features provided in the range of products you use.
  
  Use antivirus software. Consider installing antivirus software designed to detect and remove malicious software (malware) from your computer. Keep your software up to date to help protect your computer from the latest viruses and malware.
  
  Set up a firewall. Make sure your personal computer and 合约数字货币_合约home network are properly protected from malware. Check to see that the firewall has been properly installed — or enabled if it came bundled with your operating system.
  
  Avoid Public Computers and Wi-Fi
  
  Skip the use of public computers. Access financial and other sensitive personal information online using a known device, such as your personal computer, with the necessary protections and security features in place.
  
  Be wireless-wise. Don’t use public Wi-Fi to access websites with sensitive information such as financial records, banking transactions, business-related documents or other personal information. When setting up your 合约数字货币_合约home network, follow the manufacturer’s security recommendations to be sure your wireless signal is properly encrypted.
  
  Protect Physical Documents
  
  Promptly retrieve and secure incoming postal mail after delivery. Place outgoing mail in a U.S. Postal Service mailbox instead of your 合约数字货币_合约home mailbox to reduce the chance of mail theft. Report all suspected mail theft to a Postal Inspector.
  
  Look out for paper confirmations. We mail a confirmation to your address of record following address changes and website password updates. Make sure that you made or ized the change.
  
  Protect your Social Security number. Store your card in a safe place, avoid giving the number to others and take measures to keep any other documents containing the number confidential.
  
  Shred documents. These include credit card offers, bank statements, junk mail and any other documents that may reveal personal information about you.
- Report Fraud or Suspicious Email
  Report Account Fraud
  
  Contact us
  
  Contact us immediately in the event of fraudulent activity. We’ll take the appropriate steps to monitor your accounts.
  
  Contact a consumer credit company
  
  We recommend that you place a fraud alert on your accounts by contacting one of the following three consumer credit companies:
  
  Equifax: www.fraudalerts.equifax.com
  (800) 525-6285
  Equifax Credit Information Services, Inc.
  P.O. Box 740241, Atlanta, GA 30374-0241
  
  Experian: www.experian.com
  (888) EXPERIAN (397-3742)
  P.O. Box 9532, Allen, TX 75013
  
  TransUnion: www.transunion.com
  (800) 680-7289
  Fraud Victim Assistance Division
  P.O. Box 6790, Fullerton, CA 92834-6790
  
  Please note: You only need to inform one consumer credit company since it’s required by law that they share your fraud alert request with the other two.
  
  Review your credit report
  
  Once you’ve requested a fraud alert, you’re entitled to free copies of your credit report. Review them for suspicious activity and inaccuracies. If you find unized accounts or charges, take the appropriate steps to get them corrected.
  
  Report Suspicious Email, Phone Call or Text Message
  
  We’ll never ask for account or personal information, including passwords, via email or text message.
  
  Job candidates may be contacted via email (with emails ending in @capgroup.com or @jobs2web.com), phone, or possibly via message from a professional networking social media platform, such as LinkedIn.
  
  Before receiving any job offer, candidates must apply and interview for a position. Candidates will never be initially contacted by text message or direct Twitter message, and candidates will never be solicited by Capital Group for payment related to job searches.
  
  If you suspect that you’ve received a fraudulent email, text message or phone call, please contact us immediately:
  
  Forward suspicious emails to emailfraud@capgroup.com. Do not click on any links in the email.
  
  OR
  
  Call us and tell us about the situation. For calls about suspicious emails, please write down the title of the email you received, along with the sender’s name or address and the file names of any attachments.
- Fraud Basics
  Phishing
  
  Phishing is the most widely known form of fraud. It typically involves someone sending an email that appears to be legitimate from a reputable source. It may contain real information, including a company logo and branding, or even personal information gleaned from your social networking site. These emails then urge you to take action — e.g., click on a link, open an attachment or respond to a message.
  
  There are two primary types of phishing: broad phishing, where the attacker casts a wide net and hopes to “hook” one or more victims, and spear phishing, where the attacker carefully researches their victims using publicly available information in order to make the message appear more legitimate.
  
  Phishing attempts typically:
  
  Pretend to be from banks and other financial institutions, entities that process payments or individuals with an offer that’s “too good to be true”
  
  Appear convincing due to copycat logos, fonts and other graphic elements
  
  Include a link to an illegitimate webpage where you’ll be asked to enter your personal or account information
  
  Phishing attacks may also occur over the phone.
  
  Malware
  
  Malware includes spyware, viruses and other types of malicious software that are installed on your computer, smartphone and other devices without your ization. Malware typically collects information about you — the passwords you use, the websites you visit — simply by watching you type or surf the web. Malware may also take over your computer for nefarious purposes such as sending email you didn’t write or spreading computer viruses.
  
  Malware is typically installed through:
  
  Malicious websites that attack computers with out-of-date operating systems or antivirus software
  
  Links in pop-up ads
  
  Shareware and other downloadable software
  
  Deceptive security software offers
  
  Computers with malware may:
  
  Operate slowly
  
  Be inundated by pop-ups
  
  Redirect users to URLs different from those entered
  
  Include unknown toolbars and icons
  
  Display out-of-the-blue error messages
  
  If you suspect your computer has been infected with malware, take the necessary steps to remove the unwanted software from your computer.
  
  Identity Theft
  
  Identity theft involves the impersonation of an individual through the fraudulent use of his or her personal and account information — e.g., driver’s license, Social Security number, bank account and other numbers, as well as usernames and passwords.
  
  Identity thieves obtain information in a number of ways:
  
  From the trash
  
  By stealing mail, purses and other personal items
  
  By copying credit card or other information during a transaction
  
  Through phishing attacks
  
  By submitting false address changes
  
  More information on identify theft and protecting your identity can be found at these websites:
  
  U.S. Postal Inspection Service
  
  The Federal Trade Commission
  
  The Federal Deposit Insurance Company
  
  Learn More
  Learn more about fraud and how you can spot it at OnGuardOnline.gov.
  
  Social Media
  Please see Twitter Terms of Use.

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 mutual fund prospectuses and summary prospectuses, which can be obtained from a financial professional, and should be read carefully before investing. Similar information about collective investment trusts can be obtained from Capital Group or participants’ plan provider or employer.

This content, developed by Capital Group, 合约数字货币_合约home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.

All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund.

More Capital Group Sites

More Capital Group Sites

Security

Identity Theft

Learn More
Learn more about fraud and how you can spot it at OnGuardOnline.gov.

Social Media
Please see Twitter Terms of Use.

More Capital Group Sites

More Capital Group Sites

Security

Identity Theft

Learn More Learn more about fraud and how you can spot it at OnGuardOnline.gov.

Social Media Please see Twitter Terms of Use.

Learn More
Learn more about fraud and how you can spot it at OnGuardOnline.gov.

Social Media
Please see Twitter Terms of Use.