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GIPS® Information

T. Rowe Price ("TRP") claims compliance with the Global Investment Performance Standards (GIPS®) and has prepared and presented this report in compliance with the GIPS standards. T. Rowe Price has been independently verified for the twenty four-year period ended June 30, 2020, by KPMG LLP. The verification report is available upon request. A firm that claims compliance with the GIPS standards must establish policies and procedures for complying with all the applicable requirements of the GIPS standards. Verification provides assurance on whether the firm’s policies and procedures related to composite and pooled fund maintenance, as well as the calculation, presentation, and distribution of performance, have been designed in compliance with the GIPS standards and have been implemented on a firm-wide basis. Verification does not provide assurance on the accuracy of any specific performance report.

TRP is a U.S. investment management firm with various investment advisers registered with the U.S. Securities and Exchange Commission, the U.K. Financial Conduct Authority, and other regulatory bodies in various countries and holds itself out as such to potential clients for GIPS purposes. TRP further defines itself under GIPS as a discretionary investment manager providing services primarily to institutional clients with regard to various mandates, which include U.S, international, and global strategies but excluding the services of the Private Asset Management group.

A complete list and description of all of the Firm's composites and/or a presentation that adheres to the GIPS® standards are available upon request. Additional information regarding the firm's policies and procedures for calculating and reporting performance results is available upon request

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May 2021 / RETIREMENT

Retirement Solution

Our Retirement solution is designed to help employees reach their retirement goals. Participants face several challenges to reach their goal: savings rates may be too low, life expectancy is rising, and retirement spending needs are uncertain.

  • Our longest-standing target date solution, launched in 2002
  • Focused primarily on potential to grow retirement savings
  • Supported by a glide path that seeks to address longevity risk
  • Strong track record of performance, with consistent returns that outpaced the industry benchmark

Our commitment to research gives us a deep understanding of evolving markets, demographics, and participant actions. Our proprietary models account for capital markets, savings rates, employer match, life expectancy, and employee preferences such as planning horizon, investment goals, risk aversion or depletion aversion. The data inputs are grounded in real-world data from our recordkeeping platform that allows for us to model a multitude of scenarios your employees face and enables a glide path construction to address those scenarios. 

Our Retirement solution considers a wide range of participant needs and dynamically adjusts the risk to focus over time.

Glide Path chart

IMPORTANT CHANGES TO THE RETIREMENT FUNDS: T. Rowe Price is making changes to the glide path of our target date funds. The glide path will be transitioning to the allocations shown above. See Important Information below for more details. 

Performance for the long term

Whether at retirement (Retirement 2020 Fund) or with many years to go until retirement (Retirement 2040 Fund), historically investors have experienced stronger performance after fees, even accounting for periods of volatility.

Hypothetical growth of $100,000 invested in the T. Rowe Price Retirement 2020 and 2040 Funds after fees (Investor Class, as of 3/31/2021)

Hypothetical growth chart

Performance data quoted represents past performance and is not reliable indicator of future performance. Investment return and principal value will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data quoted. To obtain the most month-end performance, visit troweprice.com

Chart shows a growth of a 100,000 USD hypothetical investment since fund inceptions on 30 September 2002 through the date above. Investors can not invest directly in an index. Figures include changes in principal value with dividends reinvested. Source S&P Dow Jones Indicies LLC.

View most recent standardized returns, expense ratios, and other information about the full suite of Retirement Funds.

T. Rowe Price Retirement Funds and T. Rowe Price Retirement Funds I Class Gold

Morningstar Analyst Rating (TM) as of 2/19/21

I Class Shares may not be available to all investors. 

Ratings for other share classes may differ.  The Morningstar category for all vintages for the Retirement Series is US Fund Target Date. See Morningstar Rating Disclosure for important information about the ratings.

See Important information about performance below for complete details.

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May 2021 / RETIREMENT

Target Solution
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21 May 2021 / FIXED INCOME

Lessons Learned: Repeat of Taper Tantrum Unlikely
202105-1652702

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T. Rowe Price is not responsible for the content of third party websites, including any performance data contained within them. Past performance cannot guarantee future results.