Retirement Solutions

Match your clients’ retirement needs with thoughtful solutions.

Retirement Solutions

Match your clients’ retirement needs with thoughtful solutions.

Seek better outcomes with a partner you can rely on

Retirement is at the heart of your practice. You need a partner who can help you navigate the ever-evolving retirement landscape. With 66% of our assets under management held in retirement accounts,* our experience runs deep. We also have nearly 20 years of experience delivering target date solutions and over 30 years of experience providing recordkeeping services and managing stable value assets.

Use our actionable insights, client-focused products, and value-add services to seek better retirement outcomes for your clients, whatever their needs.

*As of 3/31/2021

Committed to Your Success

$330+ billion

in target date assets*

$32+ billion

in stable value AUM*

ACTIONABLE INSIGHTS

Stay one step ahead with our latest retirement insights

Use our insights to gain fresh perspectives, validate decisions, and help your clients feel more confident about their retirement journeys.

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From retirement investing to tax planning and retirement income, get the very latest to help your retirement-focused clients stay on course.

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Access key articles to help plan sponsors and consultants with plan design, participant education, investment decisions, and more.

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Target Date Strategy Update

Get the most recent quarterly update from our target date investment professionals, as they discuss performance drivers and how we’re responding to the current environment.

Retirement. Meet your match.

Your clients have diverse and evolving retirement needs. And we offer a range of target date solutions designed to meet them.

CLIENT-FOCUSED PRODUCTS

A full range of products built with clients in mind

We can help you meet diverse client needs through our lineup of mutual funds and collective investment trusts. This includes a range of target date solutions as well as our long-standing stable value strategy, which was incepted in 1988.

Target date solutions

  • Aims to deliver the full value of active management 
  • Primary focus on growing savings to accumulate the assets needed to support lifetime income
  • Secondary focus on limiting balance volatility around retirement


VEHICLE OPTIONS:

  • Aims to deliver the full value of active management 
  • Primary focus on limiting balance volatility around retirement
  • Secondary focus on growing savings


VEHICLE OPTIONS:

  • Makes meaningful allocations to passive investments, seeking potential lower costs
  • Maintains a primary focus on growing savings
  • Secondary focus on limiting balance volatility around retirement 


VEHICLE OPTIONS:

“We have one of the broadest and deepest research teams in the asset management business, and the work produced by that group is a key competitive advantage for T. Rowe Price in evolving our product offerings to reflect the latest thinking and modeling techniques.”

Wyatt Lee
Head of Target Date Strategies

Two distinct glide paths to match predominant client objectives

Target date solutions pursue their objectives through gradual adjustments to the allocation mix of equity and fixed income investments. These adjustments, known as the glide path, are summarized here for our Retirement and Target glide path solutions.

Line graph comparing equity allocations over time for the Retirement and Target glide paths and the S&P Target Date Index

IMPORTANT CHANGES TO THE TARGET DATE STRATEGIES: T. Rowe Price is making changes to the glide paths of our target date strategies. The glide paths will be transitioning to the allocations shown above. For more details and a closer comparison of our glide paths, click here.

Learn how we continue to advance our target date solutions

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We are striving to deliver greater value to investors by lowering our management fees, effective July 1, 2021.

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Explore the Advantages of Our Approach to Target Date Investing.

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Retirement Funds: Seeking Better Outcomes for Clients

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Enhancements to Our Target Date Strategies

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Target Date Investing Through Volatility

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Talking Directly With Our Clients Is Essential to Determining Appropriate Strategies.

A view into an office building where meeting attendees are gathered around a light oak colored conference table.

We are striving to deliver greater value to investors by lowering our management fees, effective July 1, 2021.

Seven egg-shaped stones stacked from largest to smallest on a beach

Explore the Advantages of Our Approach to Target Date Investing.

Man sitting on the back of a blue pick-up truck with hiking gear, pointing to a map held by a boy standing at his side

Retirement Funds: Seeking Better Outcomes for Clients

Man sitting on the back of a blue pick-up truck with hiking gear, pointing to a map held by a boy standing at his side

Enhancements to Our Target Date Strategies

The back of a hiker looking into the distance at paths and mountains ahead

Target Date Investing Through Volatility

A “play” icon overlaying a view into a meeting where casually dressed participants sit around a table

Talking Directly With Our Clients Is Essential to Determining Appropriate Strategies.

Stable value

  • Driven by a stable value team with experience across various market cycles
  • Focuses on delivering yield in varying market environments
  • Diversified across high-quality fixed income securities and multiple wrap issuers

“Broad diversification across high-quality fixed income securities and wrap providers is our hallmark.”

Antonio Luna
Head of Stable Value

New roles for stable value emerge

Find out why we believe stable value will be critical for defined contribution plans as the industry and regulatory landscape evolves.

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Looking for more?

Find a specific investment strategy or research our range of U.S. equityinternational equityfixed income, and asset allocation solutions.

For defined contribution plan sponsors seeking a cost-effective alternative to mutual funds, we offer a range of collective investment trusts (CITs).

VALUE-ADD SERVICES

Set yourself apart with tools to deepen client relationships, build your practice, and optimize portfolios and plan menus

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Leverage our research to emphasize the value of financial wellness, and arm yourself with the tools to define and measure program effectiveness and success.

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Give clients the tools to create a retirement vision and prepare for the nonfinancial aspects of retirement.

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Help preretirees conquer their fears of health care costs with a holistic approach to retirement planning.

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Investment and Plan Analysis

Benchmark and compare investments or examine plan-specific trend information with our suite of reporting capabilities. Call us to learn more.

Asset Allocation Viewpoints

Get access to our Asset Allocation Committee’s proprietary views on capital markets, portfolio positioning, and more.

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Let us help you find the right match to meet your client needs

Call or email today.

1-800-371-4613

This material is provided for general and informational purposes only and is not intended to provide legal, tax, or investment advice. This material does not provide recommendations concerning investments, investment strategies, or account types; it is not individualized to the needs of any specific investor and not intended to suggest any particular investment action is appropriate for you, nor is it intended to serve as the primary basis for investment decision-making.

All investments are subject to market risk, including the possible loss of principal. The principal value of the Retirement Strategies and the Target Strategies (collectively, the “target date strategies”) 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 strategies. If an investor plans to retire significantly earlier or later than age 65, the strategies may not be an appropriate investment even if the investor is retiring on or near the target date. The target date strategies' allocations among a broad range of underlying T. Rowe Price stock and bond strategies and derivatives will change over time. The Retirement 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 postretirement withdrawal horizon. The Target Strategies 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 strategies 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 Strategies and the Target Strategies is the overall allocation to equity; although they each maintain significant allocations to equities both prior to and after the target date, the Retirement Strategies maintain a higher equity allocation, which can result in greater volatility over shorter time horizons. Derivatives may be riskier or more volatile than other types of investments because they are generally more sensitive to changes in market or economic conditions.

Diversification neither assures a profit nor eliminates the risk of experiencing investment losses.

T. Rowe Price collective investment trusts (CITs) are not mutual funds. They are collective investment trusts established by T. Rowe Price Trust Company under Maryland banking law, and their units are exempt from registration under the Securities Act of 1933. Investments in the CITs are not deposits or obligations of, or guaranteed by, the U.S. government or its agencies or T. Rowe Price Trust Company and are subject to investment risks, including possible loss of principal. The CITs are available only to certain types of retirement plans.

Differences between compared investment vehicles may include investment minimums, objectives, holdings, sales and management fees, liquidity, volatility, tax features, and other features, which may result in differences in performance.

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