Target Date Investing

Expanding Access to Our Blend Solution for Target Date Investors

July 27 2021

We are pleased to announce the T. Rowe Price Retirement Blend Funds are now available, effective July 28, 2021. The addition of the Retirement Blend Fund series expands our broad lineup of target date solutions which are designed to meet the diverse retirement needs and preferences of our clients.

The Retirement Blend Funds are supported by active management with allocations to key areas of opportunity combined with the reduced costs of passive strategies. 

Help Your Clients Plan Ahead: Make Retirement a Reality

You know the kind of lifestyle your clients dream of having in retirement. Reaching these retirement goals is not a given: You have to plan ahead. With good information and some help, getting clients where they want to go may be easier than you think. One option is to use T. Rowe Price Retirement Blend Funds. The Retirement Blend Funds are professionally managed and periodically adjusted investment options that can help your clients save for retirement. 

Retirement Blend Funds Adjust Over Time

The funds will invest in a globally diversified mix of T. Rowe Price stock and bond mutual funds representing various asset classes and sectors. The funds will utilize the same diversification and tactical allocation as our other Retirement Suite solutions. The Retirement Blend Funds will follow our enhanced Retirement glide path at inception and will gradually become more conservative over time, holding a neutral allocation to stocks at the target date of 55%. 

Actively Managed Through Retirement Years


Retirement glide path

Investing in a Retirement Blend Fund

T. Rowe Price Retirement Blend Funds are professional investment solutions designed for people who want a single diversified investment that automatically adjusts over time. Each is a mutual fund composed of other mutual funds, offering:

  • One-step portfolios. Retirement Blend Funds are a mix of many different mutual funds.
  • Professional diversification* that may help reduce the impact of the market’s ups and downs.
  • Stock exposure that has potential to help outpace inflation and maintain buying power for retirement years. 
  • Automatic rebalancing among stocks and bonds that can help the funds’ allocations stay on track.  

Download the T. Rowe Price Retirement Blend Funds Brochure

To learn more about the Retirement Blend Funds or our full suite of retirement solutions, visit our Retirement Solutions page.

* Diversification cannot assure a profit or protect against loss in a declining market.

Important Information

There are many important factors to consider when planning for retirement, including expected expenses, sources of income, and available assets. Before investing in a Retirement Blend Fund, weigh objectives, time horizon, and risk tolerance. These funds invest in many underlying funds, which means that they are exposed to the risks of different areas of the market. Investors should note that the higher a fund’s allocation to stocks, the greater the risk.

This material is provided for general and educational purposes only, and not intended to provide legal, tax or investment advice. This material does not provide recommendations concerning investments, investment strategies or account types; and not intended to suggest any particular investment action is appropriate. Please consider individual circumstances before making an investment decision.

Call 1-800-638-7780 to request a prospectus or, if available, a summary prospectus; each includes investment objectives, risks, fees, expenses, and other information that you should read and consider carefully before investing.

The principal value of the Retirement Blend Funds is not guaranteed at any time, including at or after the target date, which is the approximate year an investor plans to retire (assumed to be age 65) and likely stop making new investments in the fund. If an investor plans to retire significantly earlier or later than age 65, the funds may not be an appropriate investment even if the investor is retiring on or near the target date. The funds’ allocations among a broad range of underlying stock and bond trusts will change over time. The funds 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 retirement withdrawal horizon. The funds are not designed for a lump-sum redemption at the target date and do not guarantee a particular level of income. The funds maintain a substantial allocation to equities both prior to and after the target date, which can result in greater volatility over shorter time horizons.

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