All T. Rowe Price Accounts
Let’s find the account you’re looking for. Browse our full range of personal investing account options that can help you stay focused on your long- and short-term goals.
Questions? Call a Financial Consultant at 1-855-793-6611.
Retirement
Created by the IRS, retirement accounts are most utilized later in life and are considered “tax-advantaged”. Different accounts offer opportunities to reduce your taxable income, make tax-free withdrawals once you reach age 59½, or take advantage of tax-deferred growth on your potential earnings.
Traditional IRA
In a Traditional IRA, all or part of your contributions may be tax-deductible, which may reduce your taxable income each year you make a contribution.
Roth IRA
In a Roth IRA account, contributions are not tax-deductible, investments grow tax-deferred, and qualified withdrawals are tax-free.
Rollover IRA
Convert assets from an old employer-sponsored plan into a Traditional IRA.
Inherited IRA
Open a new account to manage assets gained through inheriting a Traditional IRA.
Inherited Roth IRA
Open a new account to manage assets gained through inheriting a Roth IRA.
Looking to transfer assets from another institution?
Brokerage retirement accounts
Open a tax-advantaged brokerage retirement account to invest in our ETFs and non-T. Rowe Price securities.
Brokerage Traditional IRA
A Traditional IRA through our brokerage platform, contributions and earnings are taxed as ordinary income once they are withdrawn.
Brokerage Roth IRA
A Roth IRA through our brokerage platform, contributions on Roth IRA are not tax-deductible but qualified withdrawals are tax-free.
Brokerage Rollover IRA
A Rollover IRA through our brokerage platform, enabling investments in funds other than our own.
Brokerage Roth Rollover IRA
A Rollover Roth IRA account through our brokerage platform, enabling investments in funds other than our own.
Brokerage Inherited IRA
Open a new account to manage an inherited traditional IRA through our brokerage platform.
Brokerage Inherited Roth IRA
Open a new account to manage an inherited Roth IRA through our brokerage platform.
Retirement accounts for small businesses and self-employed individuals
Individual 401(k)
A tax-advantaged 401(k) plan that allows individual business owners (and spouse working for the business) the opportunity to save for their retirement.
SEP-IRA
A Simplified Employee Pension Plan, used for small-business owners to provide retirement benefits for themselves and their employees.
SIMPLE IRA
A Savings Incentive Match Plan for Employees (SIMPLE) IRA is a tax-deferred employer-provided plan that allows both employer and employee to make contributions.
Small Business 401(k)
A retirement plan with employee and/or employer contributions, allowing both to maximize tax deductions and tax-deferred savings.
Build an investment portfolio your way
Choose T. Rowe Price mutual funds or open a brokerage account to invest in our ETFs and non-T. Rowe Price securities. Learn more about the differences and which account type might be right for you.
General investing
General Investing accounts can have one or multiple owners and feature low fees, flexible access to your investments, and no contribution limits or mandatory withdrawals. These accounts are considered “taxable” rather than “tax-advantaged”, meaning you pay taxes on the earnings annually as your assets fluctuate.
Individual Owner
Open a new mutual fund account with one registered owner to invest in mutual funds managed by T. Rowe Price.
Joint Owner
Open a new mutual fund account with multiple registered owners to invest in mutual funds managed by T. Rowe Price.
UGMA/UTMA
A Uniform Gifts to Minors and Uniform Transfers to Minors Acts is a custodial account that allows you to give or transfer money to a minor.
Trust
A trust is a legal entity created to hold assets for a beneficiary or for a specific purpose and is managed by an appointed trustee.
Mutual Fund New Business Account
Invest on behalf of a business entity.
Estate
Open a new general investing account through an estate.
Brokerage general investing accounts
Open a taxable brokerage General Investing account to invest in our ETFs and non-T. Rowe Price securities.
Brokerage Individual Owner
Open and invest in an individually owned account through our brokerage platform.
Brokerage Joint Owner
Open and invest in a jointly owned account through our brokerage platform.
Brokerage UGMA/UTMA
A Uniform Gifts to Minors and Uniform Transfers to Minors Acts is a custodial account that allows you to give or transfer money to a minor.
Brokerage Power of Attorney (POA)
Open a new general investing account using power of attorney through our brokerage platform.
Brokerage Estate
Open a new general investing account for an estate through our brokerage platform.
Save for education
Education savings plans are a tax-advantaged way to save for education. Withdrawals that are used for qualified education expenses are tax-free and any earnings grow tax-deferred. Save for your own education or someone else’s and use the assets for college, technical training, apprenticeships, K-12 education or student loan repayment.* There is no age limit for the beneficiary and beneficiaries can be transferred.
T. Rowe Price College Savings Plan
This plan is sponsored by the Education Trust of Alaska, managed nationally by T. Rowe Price, and open to residents of any state.
Alaska 529
This plan is sponsored by the Education Trust of Alaska and has unique benefits for Alaskan residents.
Maryland College Investment Plan
A college investment plan with income tax and other benefits for residents of Maryland.
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 (including differences in applicable taxes and penalties). 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.
Earnings include realized gains and other taxable fund distributions, including dividends and capital gains.
*While distributions from 529 college savings plans for elementary or secondary education tuition expenses are federally tax-free, state tax treatment will vary and could include state income taxes assessed, the recapture of previously deducted amounts from state taxes, and/or state-level penalties. You should consult with a tax or legal professional for additional information.
Brokerage or mutual fund account? It depends on which investments you want.
At T. Rowe Price, you can invest directly in our proprietary mutual funds. You can also choose an account through our brokerage platform that allows you the flexibility to invest in our ETFs and non-T. Rowe Price securities.
For many account types, you can have both a T. Rowe Price proprietary fund account as well as a brokerage---such as a Roth IRA (T. Rowe Price mutual funds only) and a Brokerage Roth IRA (stocks, bonds, ETFs, and more outside of T. Rowe Price).
T. Rowe Price Mutual Funds
- Buy, sell and trade T. Rowe Price mutual funds.
- T. Rowe Price Target Date funds available.
- 153 no-load mutual funds to choose from.
T. Rowe Price Brokerage Accounts
- Buy, sell and trade T. Rowe Price ETFs.
- Invest in non-T. Rowe Price securities.
- Commission-free trading on stocks and ETFs online.
- No minimum investment amount for ETFs.