Flexible retirement: Your future, your way

As you are busy with day-to-day life, make sure your money is working for you, with a mix of stocks, bonds, and other investments to provide the right level of diversification needed to grow your savings for retirement while managing risk.

The blend of these assets should evolve over time. If you select a retirement investment, these changes happen to you automatically and follow a thoughtful strategy known as a glide path. The glide path outlines the mix of stocks, bonds, and other assets that the investment manager believes is appropriate for you today, at retirement, and beyond. When you are further away from retirement, the glide path emphasizes stocks, which offers greater potential to grow in value, and gradually shifts to bonds and other fixed income investments as you approach and move beyond retirement.

At T. Rowe Price, our proven glide path approach optimizes asset allocations across equities and fixed income to manage risk while seeking growth. By integrating capital market insights with behavioral factors, the glide path holistically addresses retirement concerns, including longevity and behavioral risks. The glide path also serves as a roadmap, gradually guiding the portfolio toward a more conservative position with reduced volatility for a smoother retirement journey.

With decades of global retirement expertise, T. Rowe Price has built a proprietaryrecordkeeping database that enhances our glide path design, allowing us to optimize portfolioallocations tailored to your retirement needs. Our robust glide path is working hard behind thescenes so that you can focus on what’s happening today while feeling confident in your future.