ReadyChoiceSM IRA
Starting your retirement savings has never been easier
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.1
Curiosity drives us to create simpler retirement solutions
T. Rowe Price makes choosing retirement investments easier than ever with our ReadyChoice IRA, which combines a Roth or Traditional IRA with a recommended target date Retirement Fund.* Choose which type of IRA is right for you, and we’ll recommend a fund based on your age. And if your needs change, you always have the option to select another target date fund or choose from more than 100 other T. Rowe Price mutual funds.
The Retirement Funds invest in a highly diversified lineup of specially selected T. Rowe Price funds. The overall mix of stocks and bonds changes over time to a more conservative allocation.
Which IRA is right for you?
Roth
Enjoy tax-free qualified withdrawals, with no required minimum distributions to worry about. Income eligibility limits apply.
Traditional
Receive potential tax deductions for the years that you contribute. This may be a good option for qualifying investors who expect to be in a lower tax bracket in retirement.
Need some help deciding?
Learn more about IRA details, like income eligibility limits and taxes, so you can make the choice that best suits your unique situation.
An IRA may be subject to an annual fee, and a fee may be assessed when an IRA is closed.
The T. Rowe Price difference
When you invest directly with us, you’ll discover a world that focuses on keeping your expenses low so more of your money works for you.
90%+
Over 90% of our Retirement Funds with a 10-year track record beat their 10-year Lipper average as of 9/30/2025.1
80%+
More than 80% of our mutual funds for individual investors have gross expense ratios below their peer category average.2
150+
We offer access to 150+ professionally managed no-load mutual funds, including a spectrum of funds across different asset classes, capitalizations, sectors and styles.
*ReadyChoice IRA includes a point-in-time, no-obligation recommendation for a T. Rowe Price Retirement Fund based on your age, investment amount, and the factors discussed in the Methodology document (PDF). You have the option of selecting another target date fund or even building your own portfolio from scores of other T. Rowe Price funds that may be appropriate for an IRA. You remain in full control of all investment decisions.
Grow your retirement with us
Get started on your retirement
With ReadyChoice IRA, it's never been easier
Questions?
Speak with one of our trusted financial consultants.
Monday–Friday, 8 a.m.–8 p.m. ET
Planning for retirement?
We offer advice, investment recommendations, and a custom financial plan to help you retire confidently.
The T. Rowe Price Retirement Fund Recommendation Service is a nondiscretionary advisory service provided by T. Rowe Price Advisory Services, Inc., a registered investment adviser under the Investment Advisers Act of 1940. T. Rowe Price Investment Services, Inc., distributor, T. Rowe Price mutual funds, T. Rowe Price Advisory Services, Inc., and T. Rowe Price Investment Services, Inc., are affiliated companies.
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. 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: Investing in underlying funds that hold securities of issuers in emerging market countries involves greater risk and overall volatility than investing in underlying funds that hold securities of issuers in the U.S. and other developed markets. 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. See the prospectus for more detail on the fund’s principal risks.
All investments involve risk, including possible loss of principal. Diversification does not ensure a profit or protect from a loss in a declining market.
(1) 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.
(2) 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.
202507-4666320