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<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->    
<!-- Created: Fri Dec 12 22:48:45 UTC 2025 -->  
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    <loc xlink:type="locator" xlink:label="ck0001640102_S000050187Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_S000050187Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_S000050187Member_lbl" xml:lang="en-US">American Funds Retirement Income Portfolio &#8211; Conservative</label>    
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_S000050187Member" xlink:to="ck0001640102_S000050187Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_S000050189Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_S000050189Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_S000050189Member_lbl" xml:lang="en-US">American Funds Retirement Income Portfolio &#8211; Moderate</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_S000050189Member" xlink:to="ck0001640102_S000050189Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_S000050188Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_S000050188Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_S000050188Member_lbl" xml:lang="en-US">American Funds Retirement Income Portfolio &#8211; Enhanced</label>     
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158412Member_lbl" xml:lang="en-US">Class A</label>   
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158417Member_lbl" xml:lang="en-US">Class C</label>   
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    <loc xlink:type="locator" xlink:label="ck0001640102_C000189476Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000189476Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000189476Member_lbl" xml:lang="en-US">Class T</label>   
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000189476Member" xlink:to="ck0001640102_C000189476Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158418Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158418Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158418Member_lbl" xml:lang="en-US">Class F-1</label>     
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    <loc xlink:type="locator" xlink:label="ck0001640102_C000158419Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158419Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158419Member_lbl" xml:lang="en-US">Class F-2</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158419Member" xlink:to="ck0001640102_C000158419Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000180020Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000180020Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000180020Member_lbl" xml:lang="en-US">Class F-3</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000180020Member" xlink:to="ck0001640102_C000180020Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158413Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158413Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158413Member_lbl" xml:lang="en-US">Class R-4</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158413Member" xlink:to="ck0001640102_C000158413Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158414Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158414Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158414Member_lbl" xml:lang="en-US">Class R-5</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158414Member" xlink:to="ck0001640102_C000158414Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158415Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158415Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158415Member_lbl" xml:lang="en-US">Class R-6</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158415Member" xlink:to="ck0001640102_C000158415Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158420Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158420Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158420Member_lbl" xml:lang="en-US">Class R-1</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158420Member" xlink:to="ck0001640102_C000158420Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158421Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158421Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158421Member_lbl" xml:lang="en-US">Class R-2</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158421Member" xlink:to="ck0001640102_C000158421Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158422Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158422Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158422Member_lbl" xml:lang="en-US">Class R-2E</label> 
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    <loc xlink:type="locator" xlink:label="ck0001640102_C000158423Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158423Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158423Member_lbl" xml:lang="en-US">Class R-3</label>     
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000164836Member_lbl" xml:lang="en-US">Class R-5E</label> 
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    <loc xlink:type="locator" xlink:label="ck0001640102_C000158436Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158436Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158436Member_lbl" xml:lang="en-US">Class A</label>   
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158436Member" xlink:to="ck0001640102_C000158436Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158438Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158438Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158438Member_lbl" xml:lang="en-US">Class C</label>   
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158438Member" xlink:to="ck0001640102_C000158438Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000189478Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000189478Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000189478Member_lbl" xml:lang="en-US">Class T</label>   
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000189478Member" xlink:to="ck0001640102_C000189478Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158439Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158439Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158439Member_lbl" xml:lang="en-US">Class F-1</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158439Member" xlink:to="ck0001640102_C000158439Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158440Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158440Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158440Member_lbl" xml:lang="en-US">Class F-2</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158440Member" xlink:to="ck0001640102_C000158440Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000180022Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000180022Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000180022Member_lbl" xml:lang="en-US">Class F-3</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000180022Member" xlink:to="ck0001640102_C000180022Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158441Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158441Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158441Member_lbl" xml:lang="en-US">Class R-1</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158441Member" xlink:to="ck0001640102_C000158441Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158442Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158442Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158442Member_lbl" xml:lang="en-US">Class R-2</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158442Member" xlink:to="ck0001640102_C000158442Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158443Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158443Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158443Member_lbl" xml:lang="en-US">Class R-2E</label> 
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158443Member" xlink:to="ck0001640102_C000158443Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158444Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158444Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158444Member_lbl" xml:lang="en-US">Class R-3</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158444Member" xlink:to="ck0001640102_C000158444Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158445Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158445Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158445Member_lbl" xml:lang="en-US">Class R-4</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158445Member" xlink:to="ck0001640102_C000158445Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158446Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158446Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158446Member_lbl" xml:lang="en-US">Class R-5</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158446Member" xlink:to="ck0001640102_C000158446Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158447Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158447Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158447Member_lbl" xml:lang="en-US">Class R-6</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158447Member" xlink:to="ck0001640102_C000158447Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000164838Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000164838Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000164838Member_lbl" xml:lang="en-US">Class R-5E</label> 
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000164838Member" xlink:to="ck0001640102_C000164838Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158424Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158424Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158424Member_lbl" xml:lang="en-US">Class A</label>   
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158424Member" xlink:to="ck0001640102_C000158424Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158426Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158426Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158426Member_lbl" xml:lang="en-US">Class C</label>   
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158426Member" xlink:to="ck0001640102_C000158426Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000189477Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000189477Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000189477Member_lbl" xml:lang="en-US">Class T</label>   
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000189477Member" xlink:to="ck0001640102_C000189477Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158427Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158427Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158427Member_lbl" xml:lang="en-US">Class F-1</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158427Member" xlink:to="ck0001640102_C000158427Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158428Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158428Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158428Member_lbl" xml:lang="en-US">Class F-2</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158428Member" xlink:to="ck0001640102_C000158428Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000180021Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000180021Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000180021Member_lbl" xml:lang="en-US">Class F-3</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000180021Member" xlink:to="ck0001640102_C000180021Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158429Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158429Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158429Member_lbl" xml:lang="en-US">Class R-1</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158429Member" xlink:to="ck0001640102_C000158429Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158430Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158430Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158430Member_lbl" xml:lang="en-US">Class R-2</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158430Member" xlink:to="ck0001640102_C000158430Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158431Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158431Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158431Member_lbl" xml:lang="en-US">Class R-2E</label> 
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158431Member" xlink:to="ck0001640102_C000158431Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158432Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158432Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158432Member_lbl" xml:lang="en-US">Class R-3</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158432Member" xlink:to="ck0001640102_C000158432Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158433Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158433Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158433Member_lbl" xml:lang="en-US">Class R-4</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158433Member" xlink:to="ck0001640102_C000158433Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158434Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158434Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158434Member_lbl" xml:lang="en-US">Class R-5</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158434Member" xlink:to="ck0001640102_C000158434Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000158435Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000158435Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000158435Member_lbl" xml:lang="en-US">Class R-6</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158435Member" xlink:to="ck0001640102_C000158435Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_C000164837Member" xlink:href="ck0001640102-20251230.xsd#ck0001640102_C000164837Member"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_C000164837Member_lbl" xml:lang="en-US">Class R-5E</label> 
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000164837Member" xlink:to="ck0001640102_C000164837Member_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_PeriodicWithdrawalRisksMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_PeriodicWithdrawalRisksMember"/> 
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_PeriodicWithdrawalRisksMember_lbl" xml:lang="en-US">Periodic Withdrawal Risks [Member]</label>   
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_PeriodicWithdrawalRisksMember" xlink:to="ck0001640102_PeriodicWithdrawalRisksMember_lbl"/>     
    <loc xlink:type="locator" xlink:label="ck0001640102_AllocationRiskMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_AllocationRiskMember"/>   
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_AllocationRiskMember_lbl" xml:lang="en-US">Allocation Risk [Member]</label>    
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_AllocationRiskMember" xlink:to="ck0001640102_AllocationRiskMember_lbl"/>  
    <loc xlink:type="locator" xlink:label="ck0001640102_FundStructureMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_FundStructureMember"/> 
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_FundStructureMember_lbl" xml:lang="en-US">Fund Structure [Member]</label>  
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_FundStructureMember" xlink:to="ck0001640102_FundStructureMember_lbl"/>     
    <loc xlink:type="locator" xlink:label="ck0001640102_UnderlyingFundRisksMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_UnderlyingFundRisksMember"/>   
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_UnderlyingFundRisksMember_lbl" xml:lang="en-US">Underlying fund risks [Member]</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_UnderlyingFundRisksMember" xlink:to="ck0001640102_UnderlyingFundRisksMember_lbl"/>  
    <loc xlink:type="locator" xlink:label="ck0001640102_MarketConditionsMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_MarketConditionsMember"/>  
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_MarketConditionsMember_lbl" xml:lang="en-US">Market Conditions [Member]</label>   
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_MarketConditionsMember" xlink:to="ck0001640102_MarketConditionsMember_lbl"/> 
    <loc xlink:type="locator" xlink:label="ck0001640102_IssuerRisksMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_IssuerRisksMember"/>  
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_IssuerRisksMember_lbl" xml:lang="en-US">Issuer Risks [Member]</label>   
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_IssuerRisksMember" xlink:to="ck0001640102_IssuerRisksMember_lbl"/> 
    <loc xlink:type="locator" xlink:label="ck0001640102_InvestingInDebtInstrumentsMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_InvestingInDebtInstrumentsMember"/>  
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_InvestingInDebtInstrumentsMember_lbl" xml:lang="en-US">Investing In Debt Instruments [Member]</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_InvestingInDebtInstrumentsMember" xlink:to="ck0001640102_InvestingInDebtInstrumentsMember_lbl"/> 
    <loc xlink:type="locator" xlink:label="ck0001640102_InvestingInSecuritiesBackedByTheUSGovernmentMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_InvestingInSecuritiesBackedByTheUSGovernmentMember"/>   
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_InvestingInSecuritiesBackedByTheUSGovernmentMember_lbl" xml:lang="en-US">Investing In Securities Backed By The USGovernment [Member]</label>    
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_InvestingInSecuritiesBackedByTheUSGovernmentMember" xlink:to="ck0001640102_InvestingInSecuritiesBackedByTheUSGovernmentMember_lbl"/>  
    <loc xlink:type="locator" xlink:label="ck0001640102_InvestingInMortgagerelatedAndOtherAssetbackedSecuritiesMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_InvestingInMortgagerelatedAndOtherAssetbackedSecuritiesMember"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_InvestingInMortgagerelatedAndOtherAssetbackedSecuritiesMember_lbl" xml:lang="en-US">Investing In Mortgagerelated And Other Assetbacked Securities [Member]</label> 
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_InvestingInMortgagerelatedAndOtherAssetbackedSecuritiesMember" xlink:to="ck0001640102_InvestingInMortgagerelatedAndOtherAssetbackedSecuritiesMember_lbl"/>    
    <loc xlink:type="locator" xlink:label="ck0001640102_InvestingInInflationlinkedBondsMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_InvestingInInflationlinkedBondsMember"/>  
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_InvestingInInflationlinkedBondsMember_lbl" xml:lang="en-US">Investing In Inflationlinked Bonds [Member]</label>     
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_InvestingInInflationlinkedBondsMember" xlink:to="ck0001640102_InvestingInInflationlinkedBondsMember_lbl"/> 
    <loc xlink:type="locator" xlink:label="ck0001640102_LiquidityRiskMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_LiquidityRiskMember"/> 
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_LiquidityRiskMember_lbl" xml:lang="en-US">Liquidity risk [Member]</label>  
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_LiquidityRiskMember" xlink:to="ck0001640102_LiquidityRiskMember_lbl"/>     
    <loc xlink:type="locator" xlink:label="ck0001640102_InvestingInDerivativesMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_InvestingInDerivativesMember"/>    
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_InvestingInDerivativesMember_lbl" xml:lang="en-US">Investing In Derivatives [Member]</label> 
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_InvestingInDerivativesMember" xlink:to="ck0001640102_InvestingInDerivativesMember_lbl"/>   
    <loc xlink:type="locator" xlink:label="ck0001640102_InvestingInStocksMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_InvestingInStocksMember"/>    
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_InvestingInStocksMember_lbl" xml:lang="en-US">Investing In Stocks [Member]</label> 
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_InvestingInStocksMember" xlink:to="ck0001640102_InvestingInStocksMember_lbl"/>   
    <loc xlink:type="locator" xlink:label="ck0001640102_InvestingOutsideTheUnitedStatesMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_InvestingOutsideTheUnitedStatesMember"/>  
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_InvestingOutsideTheUnitedStatesMember_lbl" xml:lang="en-US">Investing outside the United States [Member]</label> 
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_InvestingOutsideTheUnitedStatesMember" xlink:to="ck0001640102_InvestingOutsideTheUnitedStatesMember_lbl"/> 
    <loc xlink:type="locator" xlink:label="us-gaap_InterestRateRiskMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateRiskMember"/>   
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestRateRiskMember_lbl" xml:lang="en-US">Interest Rate Risk [Member]</label>    
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestRateRiskMember" xlink:to="us-gaap_InterestRateRiskMember_lbl"/> 
    <loc xlink:type="locator" xlink:label="srt_ManagementMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ManagementMember"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="srt_ManagementMember_lbl" xml:lang="en-US">Management [Member]</label> 
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ManagementMember" xlink:to="srt_ManagementMember_lbl"/> 
    <loc xlink:type="locator" xlink:label="ck0001640102_index_SP_500_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_index_SP_500_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember"/> 
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_index_SP_500_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember_lbl" xml:lang="en-US">S&amp;P 500 Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes)</label>  
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_index_SP_500_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember" xlink:to="ck0001640102_index_SP_500_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember_lbl"/>     
    <loc xlink:type="locator" xlink:label="ck0001640102_index_SP_Target_Date_Retirement_Income_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_index_SP_Target_Date_Retirement_Income_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember"/>   
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_index_SP_Target_Date_Retirement_Income_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember_lbl" xml:lang="en-US">S&amp;P Target Date Retirement Income Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes)</label>    
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_index_SP_Target_Date_Retirement_Income_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember" xlink:to="ck0001640102_index_SP_Target_Date_Retirement_Income_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember_lbl"/>  
    <loc xlink:type="locator" xlink:label="ck0001640102_index_Bloomberg_US_Aggregate_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember" xlink:href="ck0001640102-20251230.xsd#ck0001640102_index_Bloomberg_US_Aggregate_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember"/>   
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="ck0001640102_index_Bloomberg_US_Aggregate_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember_lbl" xml:lang="en-US">Bloomberg US Aggregate Index (reflects no deductions for sales charges, account fees, expenses or U.S. federal income taxes)</label>    
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_index_Bloomberg_US_Aggregate_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember" xlink:to="ck0001640102_index_Bloomberg_US_Aggregate_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember_lbl"/>  
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ck0001640102_C000158419Member_lbl0" xml:lang="en-US">C000158419 Member</label>    
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158419Member" xlink:to="ck0001640102_C000158419Member_lbl0"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ck0001640102_C000158429Member_lbl0" xml:lang="en-US">C000158429 Member</label>    
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_C000158429Member" xlink:to="ck0001640102_C000158429Member_lbl0"/>     
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="ck0001640102_PeriodicWithdrawalRisksMember_lbl0" xml:lang="en-US">Periodic Withdrawal Risks Member</label>  
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ck0001640102_PeriodicWithdrawalRisksMember" xlink:to="ck0001640102_PeriodicWithdrawalRisksMember_lbl0"/> 
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