Investment Accounts

Retirement, your family’s future, or just investing some extra cash—with 80 years of experience, we know how to help you get started.

Whatever you're investing for, we've got you covered.

Retire on your own terms

We have a range of retirement solutions to meet you where you are—and help you get where you want to be. An individual retirement account (IRA) allows you to save money for retirement in a tax-advantaged way.

Open a new account

Move an existing account

Roth IRA

Build your retirement savings tax-deferred and enjoy potentially tax-free income once you retire with a Roth IRA.

Minimum investment: $1,000

Traditional IRA

If you want the tax benefits now—and wait to pay taxes until you retire, a Traditional IRA may be a good choice.

Minimum investment: $1,000

401(k) Rollover/Transfer IRA

Have money from a previous employer's 401(k) plan or an IRA with another company? See if a rollover or transfer could help.*

Build value for your employees

Explore retirement plans for the self-employed, gig workers, independent contractors, and small business owners.

403(b) Plans

Retirement plans for employees of public schools and certain tax-exempt organizations.

Invest for a variety of goals.

With a general investing account, you can invest for a wide variety of goals—from a big purchase or life event to building up a safety net—and still have the flexibility to access your money when you need it.

Transfer on Death

Add beneficiaries to your individual or joint owner account held with us so that, upon death, your assets are directed to your beneficiaries.

Unlike bank products, investment products are not FDIC-insured, not bank guaranteed, and may lose value.

Save for education

Achieving a smart financial plan for higher education (or even K–12 expenses) can be easier with the tax-advantaged benefits of a 529 college savings plan. Compare plans managed by T. Rowe Price to find the right option for you and your family.

College Savings Calculator

Estimate how much to save in order to stay on track with your family college savings goals.

While distributions from 529 college savings plans for elementary or secondary education tuition expenses are federally tax-free, state tax treatment will vary and could include state income taxes assessed, the recapture of previously deducted amounts from state taxes, and/or state-level penalties. You should consult with a tax or legal advisor for additional information.

Invest on your terms.

Whatever your investment style, we offer solutions based on your needs and lifestage.

Why T. Rowe Price is the best place to invest your money.

Over 70%

of our mutual funds with a 10-year track record have outperformed their 10-year Lipper average as of 3/31/2024.1

Over 90%

More than 90% of our funds for individual investors have gross expense ratios below their peer category average.2

$1.54 trillion

in assets under management.3

Move more confidently toward your goals with us.

Start a new investment

We're here to help you invest confidently for all your goals.

Need help finding an account?

Our Financial Consultants can help you find the right solution for your goals.

Monday–Friday, 8 a.m.–8 p.m. ET

Subscribe to T. Rowe Price Insights

Receive monthly retirement guidance, financial planning tips, and market updates straight to your inbox.

*Consider 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.

**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 3/31/2024, 64 of 153 of our Investor Class funds (excludes 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: ©2024 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.

1113 of our 301 mutual funds had a 10-year track record as of 3/31/2024 (includes Investor Class and I Class Shares). 82 of these 113 funds (73%) beat their Lipper average for the 10-year period. 196 of 280 (70%), 134 of 251 (53%), and 157 of 236 (67%) of T. Rowe Price funds outperformed their Lipper average for the 1-, 3-, and 5-year periods ended 3/31/2024, respectively. Calculations based on cumulative total return. Not all funds outperformed for all periods. (Source for data: Lipper Inc.)

2140 of 153 of our Investor Class funds (excludes 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 3/31/2024. (Source for data: Lipper Inc.).

3Figures shown are as of 3/31/2024 and are subject to change. Assets Under Management (AUM) includes assets managed by T. Rowe Price Associates, Inc. and its investment advisory affiliates.

Be sure to review any 529 college savings plan offered by your home state or your beneficiary's home state, as there may be state tax or other state benefits, such as financial aid, scholarship funds, and protection from creditors that are only available for investments in the home state's plan. Be sure to read the college savings plan's disclosure document, which includes investment objectives, risks, fees, charges and expenses, and other information you should read and consider carefully before investing. Tax benefits may be conditioned on meeting certain requirements, such as residency, purpose for or timing of distributions, or other factors as applicable.