Participant education
Better futures begin with you
Tap into our wide range of research-backed insights and financial education resources to help plan participants achieve the retirement they want.
Support participants with 40+ years of retirement experience
Help participants feel more confident about their retirement with an expert by your side. Based on behavioral finance principals, our financial education adjusts to participant needs and life stages through and beyond retirement.
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Navigate the changing DC landscape with our proprietary research
Retirement Market Outlook
A closer look at the major trends we see influencing the U.S. retirement industry this year. What challenges and opportunities will they bring?
Reference Point: Data to inform solutions
Gain insight into plan and participant activity throughout the year with this powerful benchmarking tool
Retirement perspective: a 360-view of the DC landscape
Insights on financial wellness, investments, qualified default investment alternatives (QDIAs), and retirement income from our Defined Contribution Consultant Study
Resources, tools, and insights to help serve participants today and tomorrow
Whether you need target date education, financial education resources, or employee meeting support, we’ll work with you and your clients to meet participant education needs.
Ready-to-use resources
Equip participants to navigate a complex financial world with a wide range of resources. Our materials and presentations will help you guide your clients through everything from financial basics and building wealth to retirement and beyond.
Stable value
Stable value is designed to do what its name suggests—maintain a stable value regardless of how the market performs in an effort to preserve savings. Using easy-to-understand language and concepts, our education helps explain the intricacies of this capital preservation investment.
Stable Value Investments
Helping to deliver stability
Stable value is designed to do just what its name suggests...
maintain a stable value regardless of how the market performs in an effort to preserve your savings
And it is only available to investors through an employer-sponsored retirement plan.
Here’s how it works
Income generating bonds and other fixed income investments
including ultra-short bonds, intermediate bonds, and short bonds
provide a diversified fixed income core
Investment wraps (investment contracts issued by insurance companies or banks) guarantee principal and accumulated interest on the bond investments if they were to decline in value, helping to maintain stability.
This has resulted in lower stability even when interest rates fluctuate.
What does this mean?
If the market drops, the bank and insurance investment contracts seek to ensure returns remain steady for your investment
resulting in stronger earning potential
Portfolio managers handle the heavy lifting behind the scenes while seeking to provide you with principal preservation, stable performance, and steady positive returns for your retirement savings.
Stable Value: helping to deliver stability
Stable value investments, while considered by many as ‘safe’ investments, involve investment and other various risks. You can lose money when investing in a stable value vehicle.
See the risk disclosure in the footer for a partial enumeration of these risks and carefully review your plan documents for a more comprehensive discussion of these risks.
IMPORTANT INFORMATION
Money Market and Stable Value portfolios have different risks including the possible loss of principal. It is important that you carefully review the legal documents for each type of vehicle to determine if it is appropriate for you prior to investment. Stable value portfolios are not money market portfolios. Although money market portfolios and stable value portfolios both seek to preserve principal, stable value portfolios employ a different structure and investment strategy which will cause its risk profile to differ from that of a money market portfolio. Some risks relevant to stable value investments include, but are not limited to, cash flow risk, contract risk and event risk.
This material is being furnished for general informational and/or marketing purposes only. The material does not constitute or undertake to give advice of any nature, including fiduciary investment advice, nor is it intended to serve as the primary basis for an investment decision. Prospective investors are recommended to seek independent legal, financial and tax advice before making any investment decision. T. Rowe Price group of companies including T. Rowe Price Associates, Inc. and/or its affiliates receive revenue from T. Rowe Price investment products and services. Past performance is not a reliable indicator of future performance. The value of an investment and any income from it can go down as well as up. Investors may get back less than the amount invested.
The material does not constitute a distribution, an offer, an invitation, a personal or general recommendation or solicitation to sell or buy any securities in any jurisdiction or to conduct any particular investment activity. The material has not been reviewed by any regulatory authority in any jurisdiction.
The views contained herein are as of the date noted on the material and are subject to change without notice; these views may differ from those of other T. Rowe Price group companies and/or associates. Under no circumstances should the material, in whole or in part, be copied or redistributed without consent from T. Rowe Price.
Information and opinions presented have been obtained or derived from sources believed to be reliable and current; however, we cannot guarantee the sources' accuracy or completeness. There is no guarantee that any forecasts made will come to pass.
© 2023 T. Rowe Price. All Rights Reserved. T. ROWE PRICE, INVEST WITH CONFIDENCE, and the Bighorn Sheep design are, collectively and/or apart, trademarks of T. Rowe Price Group, Inc.
T. Rowe Price Investment Services, Inc.
202310-3176480
T. Rowe Price
Target date
Teach participants the benefits and considerations of target date investing, glide path design, and active management with our robust content library. Contact us to learn more.
Confident Conversations® on retirement
Participant education is essential to helping retirement investors pursue their best outcomes—something we’ve been doing for over 80 years. Our award-winning retirement podcast is just one of our many resources designed to help participants make more informed decisions on retirement.
Target date solutions
Because we understand investor needs and the impact change can have on retirement, we offer a choice of target date solutions to address a range of goals and real-life objectives.
Contact us
1 As of December 31, 2024
2 As of May 31, 2025.
The T. Rowe Price Stable Value Common Trust Fund (Trust) is not a mutual fund; rather, the Trust is operated and maintained so as to qualify for exemption from registration as a mutual fund pursuant to Section 3(c)(11) of the Investment Company Act of 1940, as amended. The Trust is established by T. Rowe Price Trust Company under Maryland banking law, and its units are exempt from registration under the Securities Act of 1933. Investments in the Trust 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. Although the T. Rowe Price Stable Value Common Trust Fund seeks to preserve the value of your investment at $1.00 per unit, it cannot guarantee to do so. It is possible to lose money by investing in the Trust. For additional information on the common trust fund being offered, including a trust fact sheet, please call T. Rowe Price.
202506-4342790
