<?xml version="1.0" encoding="US-ASCII"?>  
<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->    
<!-- Created: Sat Dec 16 06:22:06 UTC 2023 -->  
<xs:schema elementFormDefault="qualified" targetNamespace="http://www.americanfunds.com/20231214" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:ck0001640102="http://www.americanfunds.com/20231214" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:us-types="http://xbrl.us/us-types/2009-01-31" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:rr="http://xbrl.sec.gov/rr/2023" xmlns:dtr="http://www.xbrl.org/dtr/type/2022-03-31" xmlns:xbrli="http://www.xbrl.org/2003/instance"> 
  <xs:annotation>   
    <xs:appinfo>  
      <link:linkbaseRef xlink:type="simple" xlink:href="ck0001640102-20231214_lab.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef"/>    
      <link:linkbaseRef xlink:type="simple" xlink:href="ck0001640102-20231214_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"/> 
      <link:linkbaseRef xlink:type="simple" xlink:href="ck0001640102-20231214_def.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef"/>    
      <link:linkbaseRef xlink:type="simple" xlink:href="ck0001640102-20231214_cal.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef"/>     
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">   
        <link:definition>000001 - Document - Document and Entity Information</link:definition>     
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/DocumentRiskReturnSummaryUnlabeledAmericanFundsRetirementIncomePortfolioConservative" id="DocumentRiskReturnSummaryUnlabeledAmericanFundsRetirementIncomePortfolioConservative">     
        <link:definition>020000 - Document - Risk/Return Summary {Unlabeled} - American Funds Retirement Income Portfolio - Conservative</link:definition>     
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleShareholderFees20001" id="ScheduleShareholderFees20001">   
        <link:definition>020001 - Schedule - Shareholder Fees</link:definition>     
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleAnnualFundOperatingExpenses20002" id="ScheduleAnnualFundOperatingExpenses20002">  
        <link:definition>020002 - Schedule - Annual Fund Operating Expenses</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleExpenseExample20003" id="ScheduleExpenseExample20003"> 
        <link:definition>020003 - Schedule - Expense Example</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleExpenseExampleNoRedemption20004" id="ScheduleExpenseExampleNoRedemption20004">     
        <link:definition>020004 - Schedule - Expense Example No Redemption</link:definition>   
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleAnnualTotalReturnsBarChart20005" id="ScheduleAnnualTotalReturnsBarChart20005">     
        <link:definition>020005 - Schedule - Annual Total Returns [Bar Chart]</link:definition> 
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleAverageAnnualReturnsTransposed20006" id="ScheduleAverageAnnualReturnsTransposed20006">   
        <link:definition>020006 - Schedule - Average Annual Returns {Transposed}</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/DocumentRiskReturnSummaryUnlabeledAmericanFundsRetirementIncomePortfolioModerate" id="DocumentRiskReturnSummaryUnlabeledAmericanFundsRetirementIncomePortfolioModerate">  
        <link:definition>020008 - Document - Risk/Return Summary {Unlabeled} - American Funds Retirement Income Portfolio - Moderate</link:definition> 
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleShareholderFees20009" id="ScheduleShareholderFees20009">   
        <link:definition>020009 - Schedule - Shareholder Fees</link:definition>     
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleAnnualFundOperatingExpenses20010" id="ScheduleAnnualFundOperatingExpenses20010">  
        <link:definition>020010 - Schedule - Annual Fund Operating Expenses</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleExpenseExample20011" id="ScheduleExpenseExample20011"> 
        <link:definition>020011 - Schedule - Expense Example</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleExpenseExampleNoRedemption20012" id="ScheduleExpenseExampleNoRedemption20012">     
        <link:definition>020012 - Schedule - Expense Example No Redemption</link:definition>   
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleAnnualTotalReturnsBarChart20013" id="ScheduleAnnualTotalReturnsBarChart20013">     
        <link:definition>020013 - Schedule - Annual Total Returns [Bar Chart]</link:definition> 
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleAverageAnnualReturnsTransposed20014" id="ScheduleAverageAnnualReturnsTransposed20014">   
        <link:definition>020014 - Schedule - Average Annual Returns {Transposed}</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/DocumentRiskReturnSummaryUnlabeledAmericanFundsRetirementIncomePortfolioEnhanced" id="DocumentRiskReturnSummaryUnlabeledAmericanFundsRetirementIncomePortfolioEnhanced">  
        <link:definition>020016 - Document - Risk/Return Summary {Unlabeled} - American Funds Retirement Income Portfolio - Enhanced</link:definition> 
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleShareholderFees20017" id="ScheduleShareholderFees20017">   
        <link:definition>020017 - Schedule - Shareholder Fees</link:definition>     
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
<!-- [WMV5][XcpuxYn59dz7vgYynUDuwG7r97K2jUTysl7vcz0lJt+RMWF/8mwKgXndJJ1SJyvmgKvxuLfGxyZBgkG6y4H6TJsFl5ptOU8qLPNYWIoj2bUBBDRwNCI/gD16sfpJ34ibyRbM5XU28qufNblMoa5vsUob2ebYyImL51cmbd2UyMaG3PQDn/+Oyqp1ULc2JwDDnM8MCNvKFqpEoa4nRS5DidXrIG6AFyOnylTKKKFuCQj6VFkEueWguQOEn7/h2TwfqKn36akZtNdCrJizBkSgom/N6pyuNUI57x5BGImwwtQ=] CSR--> 
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleAnnualFundOperatingExpenses20018" id="ScheduleAnnualFundOperatingExpenses20018">  
        <link:definition>020018 - Schedule - Annual Fund Operating Expenses</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleExpenseExample20019" id="ScheduleExpenseExample20019"> 
        <link:definition>020019 - Schedule - Expense Example</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleExpenseExampleNoRedemption20020" id="ScheduleExpenseExampleNoRedemption20020">     
        <link:definition>020020 - Schedule - Expense Example No Redemption</link:definition>   
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleAnnualTotalReturnsBarChart20021" id="ScheduleAnnualTotalReturnsBarChart20021">     
        <link:definition>020021 - Schedule - Annual Total Returns [Bar Chart]</link:definition> 
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/ScheduleAverageAnnualReturnsTransposed20022" id="ScheduleAverageAnnualReturnsTransposed20022">   
        <link:definition>020022 - Schedule - Average Annual Returns {Transposed}</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/DisclosureRiskReturnDetailDataElementsAmericanFundsRetirementIncomePortfolioConservative" id="DisclosureRiskReturnDetailDataElementsAmericanFundsRetirementIncomePortfolioConservative">   
        <link:definition>020007 - Disclosure - Risk/Return Detail Data {Elements} - American Funds Retirement Income Portfolio - Conservative</link:definition>     
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/DisclosureRiskReturnDetailDataElementsAmericanFundsRetirementIncomePortfolioModerate" id="DisclosureRiskReturnDetailDataElementsAmericanFundsRetirementIncomePortfolioModerate">     
        <link:definition>020015 - Disclosure - Risk/Return Detail Data {Elements} - American Funds Retirement Income Portfolio - Moderate</link:definition> 
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231214/role/DisclosureRiskReturnDetailDataElementsAmericanFundsRetirementIncomePortfolioEnhanced" id="DisclosureRiskReturnDetailDataElementsAmericanFundsRetirementIncomePortfolioEnhanced">     
        <link:definition>020023 - Disclosure - Risk/Return Detail Data {Elements} - American Funds Retirement Income Portfolio - Enhanced</link:definition> 
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
    </xs:appinfo>   
  </xs:annotation>    
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>  
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>  
  <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>    
  <xs:import namespace="http://xbrl.sec.gov/rr/2023" schemaLocation="https://xbrl.sec.gov/rr/2023/rr-2023.xsd"/>   
  <xs:import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd"/>     
  <xs:element name="RiskReturnSummaryAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_RiskReturnSummaryAbstract"/>  
  <xs:element name="index_Lipper_Retirement_Income_Funds_Index_reflects_no_deductions_for_sales_charges_account_fees_or_US_federal_income_taxesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_index_Lipper_Retirement_Income_Funds_Index_reflects_no_deductions_for_sales_charges_account_fees_or_US_federal_income_taxesMember"/>   
  <xs:element name="index_SP_Target_Date_Retirement_Income_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_index_SP_Target_Date_Retirement_Income_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember"/>     
  <xs:element name="S000050187Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_S000050187Member"/>  
  <xs:element name="C000158412Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158412Member"/>  
  <xs:element name="C000158413Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158413Member"/>  
  <xs:element name="C000158414Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158414Member"/>  
  <xs:element name="C000158415Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158415Member"/>  
  <xs:element name="C000158417Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158417Member"/>  
  <xs:element name="C000158418Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158418Member"/>  
  <xs:element name="C000158419Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158419Member"/>  
  <xs:element name="C000158420Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158420Member"/>  
  <xs:element name="C000158421Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158421Member"/>  
  <xs:element name="C000158422Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158422Member"/>  
  <xs:element name="C000158423Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158423Member"/>  
  <xs:element name="C000164836Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000164836Member"/>  
  <xs:element name="C000180020Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000180020Member"/>  
  <xs:element name="C000189476Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000189476Member"/>  
  <xs:element name="PeriodicWithdrawalRisksMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_PeriodicWithdrawalRisksMember"/>   
  <xs:element name="AllocationRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_AllocationRiskMember"/>     
  <xs:element name="FundStructureMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_FundStructureMember"/>   
  <xs:element name="UnderlyingFundRisksMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_UnderlyingFundRisksMember"/>     
  <xs:element name="MarketConditionsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_MarketConditionsMember"/>    
  <xs:element name="IssuerRisksMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_IssuerRisksMember"/>    
  <xs:element name="InvestingInDebtInstrumentsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_InvestingInDebtInstrumentsMember"/>    
  <xs:element name="InvestingInSecuritiesBackedByTheUSGovernmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_InvestingInSecuritiesBackedByTheUSGovernmentMember"/>     
  <xs:element name="InvestingInMortgagerelatedAndOtherAssetbackedSecuritiesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_InvestingInMortgagerelatedAndOtherAssetbackedSecuritiesMember"/>  
  <xs:element name="InvestingInInflationlinkedBondsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_InvestingInInflationlinkedBondsMember"/>    
  <xs:element name="InterestRateRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_InterestRateRiskMember"/>    
  <xs:element name="LiquidityRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_LiquidityRiskMember"/>   
  <xs:element name="InvestingInDerivativesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_InvestingInDerivativesMember"/> 
  <xs:element name="InvestingInStocksMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_InvestingInStocksMember"/> 
  <xs:element name="InvestingOutsideTheUnitedStatesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_InvestingOutsideTheUnitedStatesMember"/>    
  <xs:element name="ManagementMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_ManagementMember"/>  
  <xs:element name="S000050189Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_S000050189Member"/>  
  <xs:element name="C000158436Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158436Member"/>  
  <xs:element name="C000158438Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158438Member"/>  
  <xs:element name="C000158439Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158439Member"/>  
  <xs:element name="C000158440Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158440Member"/>  
  <xs:element name="C000158441Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158441Member"/>  
  <xs:element name="C000158442Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158442Member"/>  
  <xs:element name="C000158443Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158443Member"/>  
  <xs:element name="C000158444Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158444Member"/>  
  <xs:element name="C000158445Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158445Member"/>  
  <xs:element name="C000158446Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158446Member"/>  
  <xs:element name="C000158447Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158447Member"/>  
  <xs:element name="C000164838Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000164838Member"/>  
  <xs:element name="C000180022Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000180022Member"/>  
  <xs:element name="C000189478Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000189478Member"/>  
  <xs:element name="S000050188Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_S000050188Member"/>  
  <xs:element name="C000158424Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158424Member"/>  
  <xs:element name="C000158426Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158426Member"/>  
  <xs:element name="C000158427Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158427Member"/>  
  <xs:element name="C000158428Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158428Member"/>  
  <xs:element name="C000158429Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158429Member"/>  
  <xs:element name="C000158430Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158430Member"/>  
  <xs:element name="C000158431Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158431Member"/>  
  <xs:element name="C000158432Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158432Member"/>  
  <xs:element name="C000158433Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158433Member"/>  
  <xs:element name="C000158434Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158434Member"/>  
  <xs:element name="C000158435Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000158435Member"/>  
  <xs:element name="C000164837Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000164837Member"/>  
  <xs:element name="C000180021Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000180021Member"/>  
  <xs:element name="C000189477Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001640102_C000189477Member"/>  
</xs:schema>
