Deep experience with how markets and investors behave informs our Target Date Solutions.

As target date leaders, we go further to understand the full story. That means we combine our investment expertise with decades of data on investor behavior to create retirement solutions that help drive positive outcomes.

  • Investor preferences are translated into a range of portfolios
  • Underlying performance is driven by our strategic investing approach
  • Innovation and testing ensure our solutions align with evolving needs

Get the Full Story

See how our Target Date Solutions are informed by a deep understanding of investor behavior and fueled by our strategic investing approach.

Retirement 2030 Fund performance as of 9/30/18: 1-year 7.39%, 5-year 8.64%, 10-year 9.41%. Retirement 2030 Fund expense ratio: 0.67%

S&P Target Date 2030 Index performance as of 9/30/18: 1-year 7.99%, 5-year 7.78%, 10-year 8.02%

Current performance may be higher or lower than the quoted past performance, which cannot guarantee future results. Share price, principal value, and return will vary, and you may have a gain or loss when you sell your shares. To obtain the most recent month-end performance, please call 1-800-638-7890 or click here. Figures include changes in principal value, reinvested dividends, and capital gain distributions. It is not possible to invest directly in an index.

Figures in the video are as of 9/30/2018. T. Rowe Price products do not guarantee any amount or duration of retirement income and are subject to risk, including the potential for loss.

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Strong Performance

Strong Performance Image

We believe that investment success for multi-asset solutions comes from balancing market, inflation, and longevity risks. This principle is at the core of our target date philosophy.

With a consistent investment approach and cutting-edge innovations, our solutions are designed to help your clients reach their financial goals in retirement in the face of changing markets.

2018 Lipper Award

© 2018 Thomson Reuters. All rights reserved. Published on 2/13/2018. Republication or redistribution of Thomson Reuters content, including by framing or similar means, is prohibited without the prior written consent of Thomson Reuters. Thomson Reuters and the Thomson Reuters logo are registered trademarks and trademarks of Thomson Reuters and its affiliated companies.

Benefits of Our Approach

We examined 11 of our U.S. Retirement Funds with at least 10-year records to quantify how tactical allocation and active management of underlying strategies can enhance retirement outcomes.

Target Date Expertise

In target date investing, it is critical to align glide-path design with investors' objectives. To understand the potential trade-offs, it is not only important to evaluate the magnitude of potential losses, but also to view that potential in the context of the full investment life cycle.

Target Date Expertise

Target Date Glide Path Design

Our two glide paths were designed to balance the three primary investment risks participants face:

TDS Glide Path
Retirement

The glide path has a higher equity allocation to address inflation and longevity risks.

55% Equity Allocation at Target Date

Target

The glide path has a more moderate equity exposure to address market risk.

42.5% Equity Allocation at Target Date

Target Date Resources

You know the kind of lifestyle your clients dream of having in retirement. Getting clients where they want to go may be easier than you think.

Help Your Clients

Fiduciary Misconceptions

Five Guiding Fiduciary Principles

These essentials under ERISA can aid fiduciaries in selecting and monitoring investment options and assessing active strategies within their plan lineup.

As participants invest for retirement, they face three primary investment risks: market, longevity, and inflation. As a target date manager, T. Rowe Price strives to strike a balance between these three risks.

Contact Us

Need help? Speak to one of our DCIO sales consultants.

General Inquiries
800.371.4613

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Every day, we go further to get the full story.

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View Performance and data for all our Target Date Funds.

Important Information

The principal value of the Retirement Funds and Target Funds (collectively the “Target Date 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 Target Date Funds’ allocations among a broad range of underlying T. Rowe Price stock and bond funds will change over time. The Retirement 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 Target Funds emphasize asset accumulation prior to retirement, balance the need for reduced market risk and income as retirement approaches, and focus on supporting an income stream over a moderate postretirement withdrawal horizon. The Target Date Funds are not designed for a lump-sum redemption at the target date and do not guarantee a particular level of income. The key difference between the Retirement Funds and the Target Funds is the overall allocation to equity; although they each maintain significant allocations to equities both prior to and after the target date, the Retirement Funds maintain a higher equity allocation, which can result in greater volatility over shorter time horizons. Diversification cannot assure a profit or protect against loss in a declining market.

Glide Path Design

Our two glide paths were designed to balance the three primary investment risks participants face:

  1. Longevity Risk
  2. Inflation Risk
  3. Market Risk

Retirement

The glide path has a higher equity allocation to address inflation and longevity risks. 
 

Equity Allocation at
Target Date

55%

Target

The glide path has a more moderate equity exposure to address market risk. 
 

Equity Allocation at
Target Date

42.5%

Our target date funds honored with 15 Lipper Fund Awards.

Investment Approach

We believe retirement accounts are designed to achieve two primary goals:

  1. Accumulation of Wealth Prior to Retirement
  2. Conversion of Wealth to Income During Retirement

Target Date Glide Path Comparison

Glide Path Comparison

At T. Rowe Price, our research shows that plan sponsors have two primary investment objectives for their plans...

Contact Us

Need help? Speak to one of our DCIO sales consultants.

    General Inquiries
  • 800.371.4613
  • Email
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