| The T. Rowe Price Retirement Funds offer you a single diversified portfolio that is professionally managed to a specific retirement date. |
These funds were created to help you meet your changing financial needs up to and throughout retirement. During your savings years, the funds are designed to help you capitalize on growth opportunities to build assets. As you approach retirement, the portfolio manager increasingly adjusts the funds' investment allocations in an effort to provide greater stability and reduced investment risk. Investing in the Retirement Funds is easy. All you do is pick the fund that corresponds to the year closest to when you expect to retire. We’ll do the rest. In addition, we offer the Retirement Income Fund. This fund does not shift its allocation over time but offers a diversified portfolio consisting of about 60% fixed-income securities and 40% stocks. This fund may be right for those nearing retirement or those who are already retired and are seeking a relatively conservative investment that provides a consistent proportion of fixed-income and stock exposure. |
|
|
Simplify Your Retirement Investing |
|
| Most retirement investors know that diversification is key to a successful investment strategy. For many, however, selecting the right funds—and monitoring those funds over time—can prove challenging. T. Rowe Price can simplify the task with our 100% no-load Retirement Funds. |
|
|
|
Professionally Managed With Your Retirement Date in Mind |
|
With the Retirement Funds, you don’t have to worry about constantly reevaluating your investment strategy or making changes on your own. Each fund invests in preselected T. Rowe Price funds, so you get a well-rounded portfolio, managed by investment professionals to help meet your objectives. As the chart shows, each fund’s allocation will change according to prescribed guidelines as investors get closer to their retirement date. In addition, T. Rowe Price regularly reviews the portfolio, and, depending on our outlook for the economy, interest rates, and the financial markets, we can adjust a fund’s allocation within set limits. Of course, all funds are subject to the inherent volatility of the financial markets. 
|
| The chart shows how each Retirement Fund's stock, bond, and short-term investment allocation adjusts over time to meet your changing needs up to and during retirement. |
|
|
|
Investing During Retirement |
|
A distinguishing factor in the T. Rowe Price Retirement Funds is their substantial commitment to equities in the initial stages of retirement investing. This amount of equity exposure—and the proven ability of stocks to help preserve your purchasing power over time—can enhance the probability of funding a comfortable retirement. For investors who are already retired, we offer the Retirement 2005 Fund, which includes a mix of stocks and fixed-income investments, and the Retirement Income Fund—whose broadly diversified, relatively conservative mix of stocks and bonds does not shift over time. Regardless of which Retirement Fund you choose, you can benefit from T. Rowe Price’s flexible and convenient distribution options once you are ready to retire. Just let us know how you’d like to receive your distributions (either a dollar amount or percentage of your holdings), and we’ll do the rest. |
|
|
|
Benefit From Broad-Based Diversification |
|
Each Retirement Fund invests in preselected T. Rowe Price funds that are chosen not only for their return potential but also for the way they perform relative to one another. The pie chart shows that—with a single investment in a T. Rowe Price Retirement Fund you'll get a well-rounded portfolio of mutual funds that is selected and managed by investment professionals to help you meet your objectives. The proposed long-term allocations are as follows. (Each fund's actual allocation among stocks, bonds, and short-term investments and to individual T. Rowe Price funds may vary from the proposed long-term allocations.) | | | Retirement 2005 Fund | Retirement 2010 Fund |  |  |  | | Retirement 2015 Fund | Retirement 2020 Fund |  |  | | | Retirement 2025 Fund | Retirement 2030 Fund |  |  | | | Retirement 2035 Fund | Retirement 2040 Fund |  |  | | | Retirement 2045 Fund | Retirement 2050 Fund |  |  | | | Retirement 2055 Fund | Retirement Income Fund |  |  |
|
|
|
|
Selecting the Retirement Fund That’s Right for You |
|
In general, each fund's allocations will adjust over time to meet your changing needs up to and during retirement. You simply choose the fund with the date that is closest to when you plan to retire. We'll do the rest. Retirement Date Funds: The highest total return over time consistent with an emphasis on both capital growth and income. We pursue this objective by investing in a diversified portfolio of T. Rowe Price stock and bond funds. Each funds allocation between T. Rowe Price stock and bond funds will change over time. Retirement Income Fund: The highest total return over time consistent with an emphasis on both capital growth and income. We pursue this objective by investing in a diversified portfolio consisting of about 40% stocks and 60% bonds. The funds' investments in many underlying funds means that they will be exposed to the risks of different areas of the market. Investors should note that the higher the fund's allocation to stocks, the greater the risk. There are many considerations when planning for retirement. Your retirement needs, expenses, sources of income, and available assets are some important factors for you to consider in addition to the Retirement Funds. Before investing in one of these funds, be sure to weigh your objectives, time horizon, and risk tolerance. Diversification cannot assure a profit or protect against loss in a declining market. |
|
|
|
Learn More About Our Funds |
|
|
|
Open a New Account |
|
| Please click below to open an account online. |
|
|
|
|
|
