Why Consider This Fund
- You want the opportunity to remain in the same portfolio after the target date is reached
- You want one-step diversification with exposure to domestic stocks, international stocks and fixed-income securities
- You’ve considered your risk tolerance and want your asset allocation to become more conservative over time, but still provide growth after your retirement date to protect against longevity risk
- You want an actively managed asset allocation portfolio investing in actively managed underlying funds
T Rowe Price Named 2022 Best Us Large Fund Family
Refinitiv Lipper has honored T. Rowe Price with more than two dozen awards, including the U.S. 2022 Best Large Fund Family Group Over Three Years, in recognition of the company’s strong investment performance.
In all, 21 T. Rowe Price funds earned a total of 24 Refinitiv Lipper Fund Awards, in recognition of their “Consistent Return” rating for historically strong risk-adjusted returns over 3-, 5-, and 10-year periods relative to their peers.
The Best U.S. Large Fund Family award honors T. Rowe Price broadly for its track record of investment performance relative to its peers.
a history of strong performance
Our Results Stand On Our Strategic Investing Approach
While all investment managers crunch numbers, we don’t stop at surface-level analysis. Instead, our strategic investing approach takes us beyond the numbers to find the best potential investments for your portfolio.
Rigorous Field ResearchOver 525 of our investment professionals go into the field to see firsthand how companies are performing.1
Prudent Risk ManagementWe carefully manage risk and seek to maximize value for our clients over longer time horizons.
Experienced ManagersOur skilled portfolio managers have deep experienceaveraging 22 years in the industry and 16 years with T. Rowe Price.2
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Our Experienced Consultants Can Help You Plan And Invest For Your Future
No matter where you are on your retirement journey, we can help you develop a flexible, personalized investment plan so that you can confidently pursue the retirement you want.
Discuss your financial goals and what matters most to you
Review how your current investments are working toward your goals
Explore strategies to help you make the most of your investments
Get personalized guidance from a Financial Consultant.
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How We Approach Editorial Content
Maintaining independence and editorial freedom is essential to our mission of empowering investor success. We provide a platform for our authors to report on investments fairly, accurately, and from the investors point of view. We also respect individual opinionsthey represent the unvarnished thinking of our people and exacting analysis of our research processes. Our authors can publish views that we may or may not agree with, but they show their work, distinguish facts from opinions, and make sure their analysis is clear and in no way misleading or deceptive.
To further protect the integrity of our editorial content, we keep a strict separation between our sales teams and authors to remove any pressure or influence on our analyses and research.
Read our editorial policy to learn more about our process.
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To learn more about how we handle and protect your data, visit our privacy center.
You Are At The Center Of Everything We Do
Get expert guidance you can trustOur associates are salaried professionals with no sales commissions or quotasso you can be confident that your needs always come first.
Keep more of your money with low costsOver 90% of our funds for individual investors have expense ratios below their peer category averages.4
Access our latest thinking and planning resourcesFrom powerful tools and planning guides to our experts perspectives on the markets, we offer a wide range of resources to help you make informed investing decisions.
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Transparency Is Our Policy Learn How It Impacts Everything We Do
Transparency is how we protect the integrity of our work and keep empowering investors to achieve their goals and dreams. And we have unwavering standards for how we keep that integrity intact, from our research and data to our policies on content and your personal data.
Wed like to share more about how we work and what drives our day-to-day business.
How We Make Money
We sell different types of products and services to both investment professionals and individual investors. These products and services are usually sold through license agreements or subscriptions. Our investment management business generates asset-based fees, which are calculated as a percentage of assets under management. We also sell both admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters.
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Value For Every Asset Level
“I would like to thank for his genuine interest in my financial well-being. I feel educated and informed when I speak to him. I truly believe he would be helpful if I had $25 or $300,000. It is important to be able to trust my retirement plan and the people who work with it. Please know I am very grateful for the relationship I am developing with .”
– Client of 1 year
How T Rowe Price Retirement Funds Work
T. Rowe Price Retirement Funds, a Target Date asset allocation option, are designed to take you through retirement.
The asset mix of each Portfolio is based on a target date. This is the expected year in which participants in a Portfolio plan to retire and no longer make contributions. A team of asset allocation professionals adjusts each Portfolios make-up over time to ensure a noticeable and steady shift from equities to fixed income in the years leading to retirement.
The T. Rowe Price Retirement Funds are composed of actively managed funds and are managed to help retain your potential for growth, and aim to preserve the value of your assets at and after retirement.
As each Portfolio glides over time, its asset mix is adjusted. Looking at the image below:
- Greater emphasis on aiming to provide an income stream in your retirement years
- Actively managed T. Rowe Price funds with broad diversification
- The Funds invest in a mix of equities and bonds that gradually becomes more conservative as the target Retirement Date nears
- At the target Retirement Date, the Funds allocation to stocks is anticipated to be approximately 55% of its assets
- The Funds exposure to stocks will continue to decline until approximately 30 years after its target Retirement Date, at which its allocation to stocks will remain at approximately 20% and the remainder will be invested in bonds
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Notes & Data Providers
Stocks: Real-time U.S. stock quotes reflect trades reported through Nasdaq only comprehensive quotes and volume reflect trading in all markets and are delayed at least 15 minutes. International stock quotes are delayed as per exchange requirements. Fundamental company data and analyst estimates provided by FactSet. Copyright © FactSet Research Systems Inc. All rights reserved. Source: FactSet
Indexes: Index quotes may be real-time or delayed as per exchange requirements refer to time stamps for information on any delays. Source: FactSet
Data on U.S. Overview page represent trading in all U.S. markets and updates until 8 p.m. See Closing Diaries table for 4 p.m. closing data. Sources: FactSet, Dow Jones
Stock Movers: Gainers, decliners and most actives market activity tables are a combination of NYSE, Nasdaq, NYSE American and NYSE Arca listings. Sources: FactSet, Dow Jones
ETF Movers: Includes ETFs & ETNs with volume of at least 50,000. Sources: FactSet, Dow Jones
Bonds: Bond quotes are updated in real-time. Sources: FactSet, Tullett Prebon
Currencies: Currency quotes are updated in real-time. Sources: FactSet, Tullett Prebon
Cryptocurrencies: Cryptocurrency quotes are updated in real-time. Sources: CoinDesk , Kraken
Calendars and Economy: ‘Actual’ numbers are added to the table after economic reports are released. Source: Kantar Media
T Rowe Price Funds Have Delivered More Return More Often
Our funds have delivered better return on average than comparable index funds. T. Rowe Price funds beat comparable index funds more frequentlyand with higher returnsthan the average of all active managers. This has meant more money for investors.
Thats our T. Rowe Price strategic investing difference.
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Give Your Strategic Goals A Performance Edge
For over 80 years, our strategic investing approach has helped millions of people around the world invest in the things that matter most: From building the retirement of your dreams, to securing a bright future for the next generation. No matter what your goal, we can help.
Discover what sets us apart, and imagine what we can help you accomplish.
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Better Return Than Comparable Index Funds Across More Periods
10-year trailing periods, rolling monthly. Period analyzed is 20 years ended 6/30/22.
Percentage of periods with better returns than comparable index funds
Average additional return over comparable index funds across all periods analyzed
Past performance is no guarantee of future results.
a history of strong performance
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