We understand retirement goals and preferences evolve over time. That's why our target date solutions are built to seek strong outcomes and deliver value amid the changing realities of retirement planning.
Beyond an “average” retirement
There's no typical retirement journey. We offer a range of retirement solutions that can help achieve a variety of unique goals.
Evolving insights, evolving solutions
The driving forces behind successful retirements are countless and always changing.
Our commitment to research gives us a deep understanding of evolving markets, demographics, and investor actions. And our strategic design means we build solutions that take this data into account.
We continually refine our thinking—and our solutions—with investors' best outcomes in mind. Our latest evolution seeks to deliver even better results and overall value.
The principal value of target date strategies is not guaranteed at any time, including at or after the target date, which is the approximate date when investors plan to retire (assumed to be age 65) and likely stop making new investments in the strategy. If an investor plans to retire significantly earlier or later than age 65, the target date strategies may not be an appropriate investment even if the investor is retiring on or near the target date. These target date strategies invest in a diversified portfolio of other T. Rowe Price stock and bond strategies that represent various asset classes and sectors and are therefore subject to the risks of different areas of the market. The allocations among a broad range of underlying T. Rowe Price stock and bond strategies will change over time. The strategies emphasize potential capital appreciation during the early phases of retirement asset accumulation, balance the need for appreciation with the need for income as retirement approaches, and focus on supporting an income stream over a long-term post-retirement withdrawal horizon. The target date strategies are not designed for a lump-sum redemption at the target date and do not guarantee a particular level of income. Diversification cannot assure a profit or protect against loss in a declining market.