T. Rowe Price Summit Program

Earn exclusive client benefits with our complimentary tiered benefits program designed to help you invest more confidently.  

Invest directly with us.
Get rewarded with exclusive client benefits.

As you save for retirement, college, and other goals, you gain entry to more and more benefits to help you achieve better outcomes.

Start taking advantage of your benefits.

Here’s how the Summit Program works.

You’re automatically enrolled

It's simple: When you open and/or maintain a qualifying account with T. Rowe Price, you're automatically in the Program.

Gain entry to exclusive benefits

Get preferred access to mutual funds generally closed to new investors, lower-cost fund shares, dedicated support teams, and more.

Enjoy more with your household

We automatically combine assets held by clients in the same household for Summit eligibility—helping you and your loved ones qualify for higher tiers and more benefits.

Four tiers, expanding benefits

General, Select, Personal, and Enhanced Personal Services. Your tier is assigned based on asset level and reevaluated weekly. Enjoy upgraded benefits each time you move up to the next tier.

Maximize your benefits

Invest in something new, move existing assets, or set up an automatic investment plan. With T. Rowe Price, when you invest more for your future, you earn more valuable benefits.

Most accounts qualify for the Summit Program.

To be eligible, each person in a Summit household must directly own a qualifying investment. Qualifying account types include: 

Retirement

  • Roth and Traditional individual retirement accounts (IRAs)
  • Single-participant small business retirement plans (SARSEP, SEP-IRA, SIMPLE IRA)
  • Owner-only Individual 401(k)

General Investing

  • Individual 

  • Joint 

  • Trust1
  • UGMA/UTMA

College Savings*

  • T. Rowe Price College Savings Plan 

  • Maryland College Investment Plan 

  • Alaska 529

Enjoy exclusive Summit Program benefits.

Enjoy more benefits as your Summit balance grows.

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

Summit Program Benefits by Tier
Summit Program Benefits General Services
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 exchange-traded fund (ETF) trading

Waived mutual fund account service fees for clients who elect for paperless delivery of statements and confirmations

Access to knowledgeable Financial Consultants and customer service representatives

Digital access to T. Rowe Price Insights on retirement and financial planning

Access to dedicated support from the life events team
Reduced Brokerage commissions and fees (see details on Brokerage fees)

 
Preferred access to closed funds*

 
Complimentary Morningstar Premium membership

 
Preferred access to I Class shares (minimum $50K+ per fund)*

   
Complimentary Kiplinger's Personal Finance magazine subscription

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

     

Discover ways to earn more benefits.

We made it simple for you to move up to the next tier and maximize your benefits. Invest more, benefit more.

Consolidate your retirement savings

Move old 401(k)s and existing IRAs into one easy-to-manage account to simplify your finances and potentially move up to the next Summit tier.4

Set up an automatic investment plan

Grow your balance by scheduling recurring, automatic transfers from your bank account to your existing T. Rowe Price account. 

Invest for all your goals

Whether you’re looking to save for retirement or education or want to build your wealth, we have an account that fits—and can help you earn more benefits. 

Frequently asked questions

How else can we help you?

Invest in something new.

Expand your portfolio or put your money to work for a new goal.

Work with an advisor.

For clients with $250,000 or more in investable assets, the Retirement Advisory Service offers a personalized financial plan, investment recommendations, and access to your advisor at any time.

Questions?

Speak with one of our trusted Financial Consultants.

Monday–Friday, 8 a.m.–8 p.m. ET

1Account can be combined with other accounts in a household if the Trustee SSN matches the Trust TIN and the Trustee is a natural person (non-entity). In all other scenarios the account cannot be combined.

*T. Rowe Price Summit Program membership includes clients invested in 529 plans managed by us. 529 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 9/30/2023. This calculation is based on a hypothetical $500,000 investment in Investor Classes with an average expense ratio of 0.66% (for an annual cost of $3,300) versus I Classes with an average expense ratio of 0.51% (for an annual of cost of $2,550). 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 11/30/2023, 2 of 2 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: ©2023 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.

4Consider all available options, which include remaining with your current retirement plan, rolling over into a new employer's plan or IRA, or cashing out the account value. When deciding between an employer-sponsored plan and IRA, there may be important differences to consider, such as range of investment options, fees and expenses, availability of services, and distribution rules (including differences in applicable taxes and penalties). Depending on your plan's investment options, in some cases, the investment management fees associated with your plan's investment options may be lower than similar investment options offered outside the plan.

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.

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