IRAs: Individual Retirement Accounts
Pursuing competitive long-term performance to help you reach your retirement goals is what we’re all about.
Find the right IRA option for you
Traditional IRA
- Pay taxes later.
- Receive potential tax deductions now.
- May be a good option if you're in a higher tax bracket.
- Minimum investment: $1,000.
- Income limits may apply.
Roth IRA
- Pay taxes now.
- Receive tax-free withdrawals from qualified distributions.1
- May be a good option if you're in a lower tax bracket.
- Minimum investment: $1,000
- Income limits may apply.
Rollover or transfer an existing account
Consolidate existing 401(k)s and IRAs into one easy-to-manage account by rolling over your 401(k) or transferring your IRA.
- Consider your options for a previous employer-sponsored plan.2
- May be a good option if you want ongoing tax-deferred growth.
Rollover Concierge
Do you have an old 401(k)? Let us do the work for you. With this free service, you’ll get a dedicated Financial Consultant who can help you roll over your retirement savings.2
Curiosity drives us to create simpler retirement solutions
ReadyChoiceSM IRA
Our ReadyChoice IRA is an all-in-one investment solution that pairs a traditional or Roth IRA with one of our Retirement Funds with historically strong, long-term performance.3
Retirement Funds
Focused on a balance of risk and returns to maximize confidence in your investments. Over 90% of our Retirement Funds with a 10-year track record beat their 10-year Lipper average as of 9/30/2025.3
Put 80 years of expertise to work for you
Life evolves and priorities change. We listen and put your chief concerns first to help you achieve your best outcomes—not just for retirement, but for life.
Retirement investing
We go beyond surface-level analysis. Hundreds of our investment professionals travel the world to uncover opportunities others might miss.
Market intelligence
Our investment professionals provide timely insights and in-depth market perspectives to help you make well-informed decisions.
Financial advice solutions
We offer different levels of advice to fit your needs and help you save enough for the future you envision.
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Invest for retirement
Start building for a more secure financial future.
Is an IRA right for you?
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Want to learn more about IRAs?
We offer personalized advice on IRAs, including savings strategies and a plan for withdrawals once you retire.
(1) Generally, as long as you've held the account at least 5 years and you're age 59½ or older.
(2) 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. T. Rowe Price does not provide tax advice. Please consult your tax or financial professional regarding questions specific to your situation.
All investments are subject to market risk, including the possible loss of principal. The principal value of the target date funds is not guaranteed at any time, including, if applicable, at or after the target date, which is the approximate year an investor plans to retire (assumed to be age 65). Investments in other funds: The fund bears the risk that its underlying funds will fail to successfully employ their investment strategies. One or more underlying fund's underperformance or failure to meet its investment objective(s) as intended could cause the fund to underperform similarly managed funds. Interest rates: A rise in interest rates typically causes the price of a fixed rate debt instrument to fall and its yield to rise. Conversely, a decline in interest rates typically causes the price of a fixed rate debt instrument to rise and the yield to fall. International investing: Non-U.S. securities tend to be more volatile and have lower overall liquidity than investments in U.S. securities and may lose value because of adverse local, political, social, or economic developments overseas, or due to changes in the exchange rates between foreign currencies and the U.S. dollar. Emerging markets: Investments in emerging market countries are subject to greater risk and overall volatility than investments in the U.S. and other developed markets. See the prospectus for more detail on the fund's principal risks.
(3) 39 of our 60 Retirement Funds had a 10-year track record as of 9/30/2025 (includes Investor, I Class, Advisor, and R Class Shares). 36 of these 39 Retirement Funds (92%) beat their Lipper average for the 10-year period. 29 of 56 (51%), 29 of 42 (69%), and 28 of 39 (71%) of the Retirement Funds outperformed their Lipper average for the 1-, 3-, and 5-year periods ended 9/30/2025, respectively. Calculations are based on cumulative total return. Not all retirement funds outperformed for all periods. (Source for data: Lipper Inc.) Past performance is no guarantee or a reliable indicator of future results.
Past performance is no guarantee or reliable indicator of future results. All investments involve risk, including possible loss of principal.
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