Retirement, a dream home, or just investing some extra cash: Our strategic investing approach can help you confidently pursue your financial goals, whatever they may be. The first step? Choose an account that fits your needs. 

Not sure where to start?

An Investment Specialist can help you select the account type appropriate for your goals.

Select an account based on your goals.

Depending on your aspirations, one or more account type may be right for you.


Regardless of your age, investing for retirement should be a top priority. After all, you may need your nest egg to last for 30 years or more. Whether you’re a personal investor or small business owner, we offer a broad range of retirement solutions to help you build the future you envision.

General Investing

Get your idle cash out of low-yielding bank accounts and make it work harder for you.1 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.

College Savings

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.


If you’re looking for greater investing flexibility, a brokerage account makes it easy to trade stocks, ETFs, outside mutual funds, and more. You can trade online or by phone, access powerful research tools, and even consolidate scattered investments with one company you can trust.

Invest on your terms—do it yourself or get some guidance.

Choose your own mutual funds.

Build your portfolio from a selection of more than 100 professionally managed no-load mutual funds, many of which have received a 4- or 5-star Overall Morningstar Rating for their risk-adjusted returns.


Get advice from our experts.

From point-in-time advice to a portfolio that’s fully designed and managed by our investment professionals, you can put our best thinking to work for your financial goals. 

1Unlike bank products, investment products are not FDIC-insured, are not bank guaranteed, and may lose value.

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 11/30/21, 69 of 152 of our Investor Class funds 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: ©2021 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.