T Rowe Price Retirement Balanced Fund Class R

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Two Evenly Matched Brokerages Built On Their Own Funds

Investing Basics: Stocks

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T. Rowe Price and Vanguard are similar in that they both focus on long-term investing through their own funds. In addition to their funds, however, you can also have a linked brokerage account. Because of this focus on their own financial products, neither brokerage platform is particularly strong compared to some of the leading online brokers, but they do provide the ability to trade stocks, ETFs, mutual funds, and fixed income. Well look at some of the key differences between these brokers to help you determine which one is the right fit for your investment needs.

  • Account Minimum: $2,500
  • Fees: No commission online or by mobile app, accounts with smaller balances pay more for options and broker assisted trades
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Mutual Fund Profile For T Rowe Price Retirement Balanced Fund Class R

RRTVX

The fund investment attempts the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a diversified portfolio of other T. Rowe Price stock and bond funds that represent various asset classes and sectors. It is intended for retired investors who seek income and relative stability from bonds along with some capital appreciation potential from stocks. The fund’s neutral allocations, which are what T. Rowe Price considers broadly appropriate for investors during their retirement years, are 40% stock funds and 60% bond funds.

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*Consider all available options, which include remaining with your current retirement plan, rolling over into a new employer’s plan or IRA, or cashing out the account value. When deciding between an employer-sponsored plan and IRA, there may be important differences to consider – such as range of investment options, fees and expenses, availability of services, and distribution rules . Depending on your plan’s investment options, in some cases, the investment management fees associated with your plan’s investment options may be lower than similar investment options offered outside the plan.

1Morningstar gives its best ratings of 5 or 4 stars to the top 32.5% of all funds based on their risk-adjusted returns. The Overall Morningstar Rating is derived from a weighted average of the performance figures associated with a funds 3-, 5-, and 10-year Morningstar Rating metrics. As of 10/31/21, 69 of 152 of our Investor Class funds received an overall rating of 5 or 4 stars.

3Generally, as long as you’ve held the account at least 5 years and you’re age 59½ or older.

Account And Research Amenities

With their focus on long-term investing, neither Vanguard nor T. Rowe Price has strong account amenities. That said, T. Rowe Price customers do gain access to T. Rowe Price research. Vanguard offers daily market reports and third-party research from Argus and Market Grader. Vanguards stock screeners do not allow screening on technical indicators, while the T. Rowe Price stock screener does. Both platforms have ETF/mutual fund and fixed income screeners, and neither have an options screener.

Both Vanguard and T. Rowe Prices tools and calculators were sparse on the brokerage side, but there are a number of helpful tools on the mutual fund side, including calculators for retirement planning and college savings as well as risk profile questionnaires that recommend a model mutual fund portfolio.

While both platforms have charts, they are not impressive on either platform as they lack drawing tools. T. Rowe Price offers functional news and marketing information, but there are no search capabilities. Vanguard does not offer real-time streaming news, but news from MT Newswires and Associated Press is available.

Overall, T. Rowe Price has a small edge over Vanguard for their overall account and research amenities offerings.

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Interactive Brokers LLC receives compensation from fund companies participating in its no-transaction-fee program for shareholder and other administrative services. Such compensation includes, but is not limited to, Rule 12b-1 fees that are paid out of the fundâs assets. IB may share a portion of the compensation received from fund companies with your financial advisor or introducing broker.

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T Rowe Price Retirement Balanced Fund Class R

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