Enjoy Exclusive Summit Program Benefits

Gain entry to more benefits that reward you—as you save more for retirement, college, and other goals—by investing directly with T. Rowe Price or in a 529 plan managed by us.

Access to lower-cost I Class shares

Access to lower-cost I Class shares with fees that are 20% lowerFN, on average, than those of our Investor Class shares. Clients with $500,000 exclusively in I Class shares would save, on average, $700 in the first year alone compared to the same amount in Investor Class shares.

Entry to closed T. Rowe Price mutual funds

Get preferred access to closed funds, a benefit only available when you buy directly from T. Rowe Price. These funds have been closed to new investors due to high demand, to preserve the fund’s ability to invest consistent with its objective, or for other reasons. 66% of our closed funds rated by Morningstar earned 4- or 5-star Overall Morningstar Ratings as of August 31, 2022.3

Invitation-only events with investment experts

Access to investing, retirement, college savings, and personal finance events featuring T. Rowe Price experts.

Access to a dedicated life events support team

Whether reaching a major milestone, or reacting to an unexpected event, receive dedicated support from a financial professional who can help you navigate life events such as changing jobs, sending a child to college, the death of a loved one, or getting married.

Earn More Benefits as Your Summit Balance Grows

To see your current benefit tier, just log in to your account.

Summit Program benefits by asset tier
Summit Program Benefits All Investors Select Services $250,000 balance or more. Personal Services $500,000 balance or more. Enhanced Personal Services $1 million balance or more.
$0 Commission for online stock and ETF trading checkmark checkmark checkmark checkmark
Waived mutual fund account service fees for clients who elect for paperless delivery of statements and confirmations checkmark checkmark checkmark checkmark
Access to knowledgeable financial consultants and customer service representatives checkmark checkmark checkmark checkmark
Digital access to T. Rowe Price Insights on retirement and financial planning checkmark checkmark checkmark checkmark
Reduced Brokerage commissions and fees (see details on Brokerage fees)   checkmark checkmark checkmark
Preferred access to closed funds1   checkmark checkmark checkmark
Complimentary Morningstar premium membership   checkmark checkmark checkmark
Access to dedicated life events support from a financial professional   checkmark checkmark checkmark
Access to I Class shares (Minimum $50K+ per fund)1     checkmark checkmark
Complimentary Kiplinger's Personal Finance magazine subscription       checkmark
Access to investing, retirement, college savings, and personal finance events featuring T. Rowe Price experts       checkmark

How the Summit Program Works

Eligibility for the Summit Program begins when you open and/or maintain a qualifying account with T. Rowe Price.

Frequently Asked Questions

Move Your Retirement Savings Goals Forward

Compare I Class shares with Investor Class shares.

Try our fund comparison tool to see the difference in fees between share classes in funds you may be considering.

Consolidate with RolloverConcierge.

Let us help handle your rollover—from start to finish. You get a dedicated Financial Consultant who can help you roll over in three simple steps—at no additional cost.

Consider these retirement planning tips.

Wherever you are in life, we can help you plan and save for a more secure financial future.

1529 portfolios managed by T. Rowe Price invest in I Class shares of the underlying mutual funds where available and have access to closed T. Rowe Price funds, regardless of participation or status in the Summit Program.

2As of 6/30/2022. This calculation is based on a hypothetical $500,000 investment in Investor Classes with an average expense ratio of 0.64% (for an annual cost of $3,200) versus I Classes with an average expense ratio of 0.50% (for an annual of cost of $2,500). These expense ratios are net of fee waivers. Fund expenses change over time; please refer to our mutual fund prospectuses for complete information about expenses, fees, and other information to consider before investing.

3Morningstar gives its best ratings of 5 or 4 stars to the top 32.5% of all funds (of the 32.5%, 10% get 5 stars and 22.5% get 4 stars) based on their risk-adjusted returns. The Overall Morningstar Rating is derived from a weighted average of the performance figures associated with a fund’s 3-, 5-, and 10-year (if applicable) Morningstar Rating metrics. As of 8/31/2022, 4 of 6 of our closed funds (Investor Class only) rated by Morningstar received an overall rating of 5 or 4 stars. Past performance cannot guarantee future results.

The Morningstar Rating™ for funds, or "star rating," is calculated for funds with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar risk-adjusted return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star.

Source for Morningstar data: ©2022 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete, or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

Summit Program benefits may be provided through T. Rowe Price Services, Inc., or its affiliates.

T. Rowe Price Services, Inc., and T. Rowe Price Investment Services, Inc., are affiliated companies.