General Investing
Enjoy the flexibility to build additional savings for you and your family's financial future with access to your investments.
Enjoy low fees and flexible access
Flexible access
While earnings in a general account are taxable, you have ready access to your money.
Historically strong performance
Diversity with a wide selection of funds that have delivered strong, competitive performance at a low cost—over 80% of our mutual funds for individual investors have gross expense ratios below their peer category averages.*
Strategic investing
Benefit from our strategic investing approach, which seeks to maximize value for our clients over longer time horizons.
Supplement retirement
Save for retirement beyond your 401(k) plan or individual retirement account (IRA), with no contribution limits or mandatory withdrawals.
Choose mutual funds or ETFs
Whether you're choosing to invest in our low-cost mutual funds, exchange-traded funds (ETFs) or using a brokerage account to invest in non-T. Rowe Price funds, manage all your investments at one trusted provider.
ETFs
An ETF is a fund that trades like a stock. Prices change throughout the day as shares are bought and sold. Along with convenience, cost effectiveness, and tax efficiency, our ETFs offer agility through our active management approach.
Mutual Funds
A mutual fund is a portfolio of investments that may include stocks, bonds, and other assets. Our diverse selection of mutual funds is actively managed by our portfolio experts.
Select an account that fits your goals
Individual Accounts
An account with one registered owner to invest in mutual funds managed by T. Rowe Price.
Minimum investment: $2,500
Joint Owner
An account with multiple registered owners to invest in mutual funds managed by T. Rowe Price.
Minimum investment: $2,500
Trust
Opened in the name of an already established trust. Can be valuable for estate planning.
Minimum investment: $2,500
Accounts for Minors
Uniform Gifts to Minors and Uniform Transfers to Minors are gifts and transfers to a child held in the minor's name by a custodian.
Minimum investment: $1,000
Transfer to Beneficiaries
Add beneficiaries to an existing general investing account held with us so that, upon death, assets go where you want them to go.
Unlike bank products, investment products are not FDIC-insured, not bank guaranteed, and may lose value.
Unsure which account is right for you?
Speak to an Investment Specialist.
Why T. Rowe Price is the best place to invest your money
60%+
of our mutual funds with a 10-year track record have outperformed their 10-year Lipper average as of 9/30/2025.1
55+
Over 55 of our mutual funds have earned 4- or 5-star Overall Morningstar Ratings as of 10/31/2025.2
$1.76 trillion
in assets under management.3
Invest for your short- and long-term goals
Start investing today
Make your savings work harder for you.
Need help finding the right account?
Our Financial Consultants can help you find the right solution for your goals.
Monday—Friday, 8 a.m.—8 p.m. ET
Explore investment options
Browse and compare funds, or create your own watch lists.
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By subscribing, you agree to receive occasional emails about our products and services. The Privacy section of our Help Center has information about how to opt out or update your preferences. This offer is intended for persons in the United States and should not be considered a solicitation or offering or any investment products or services to investors residing outside the United States.
Past performance is no guarantee of future results.
*Source: Lipper Inc. 124 of 153 of our Investor Class mutual funds (excludes mutual funds not available for direct purchase) more than 6 months old had gross expense ratios below their Lipper averages based on fiscal year-end data available as of 9/30/2025.
(1) 142 of our 307 mutual funds had a 10-year track record as of 9/30/2025 (includes Investor Class and I Class Shares). 88 of these 142 mutual funds (62%) beat their Lipper average for the 10-year period. 154 of 301 (51%), 159 of 280 (57%), and 137 of 241 (57%) of the mutual funds outperformed their Lipper average for the 1-, 3-, and 5-year periods ended 9/30/2025, respectively. Calculations based on cumulative total return. Not all mutual funds outperformed for all periods. (Source for data: Lipper Inc.) Past performance is no guarantee or a reliable indicator of future results.
(2) Morningstar 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 10/31/2025, 57 of 156 of our Investor Class mutual funds (excludes mutual funds not available for direct purchase) received an overall rating of 5 or 4 stars.
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: ©2025 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.
(3) Figures shown are as of 9/30/2025 and are subject to change. Assets Under Management (AUM) includes assets managed by T. Rowe Price Associates, Inc. and its investment advisory affiliates.
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