The T. Rowe Price ActivePlus Portfolios® Program
Online investing powered by experts.
Invest based on your timeline and risk tolerance with T. Rowe Price ActivePlus Portfolios:
- Rigorous active investment approach
- Access to licensed Client Specialists to answer your questions
- No additional advisory fees. No commissions. You pay the expenses of the underlying T. Rowe Price funds in your account.
- Annual check-ins and ongoing insights
- Minimum investment of $50,000
- Currently accepted for Roth, Traditional, and Rollover IRAs
Get your portfolio recommendation in minutes.
Complete a short questionnaire and we’ll recommend a diversified model portfolio designed and managed by our experts.
Why T. Rowe Price ActivePlus Portfolios
Save time while keeping more of your money.
Start by answering six short questions. Get an expertly designed and managed portfolio—at no additional costs beyond the expenses of the underlying funds in your portfolio.
Put our expertise to work for you.
Our investment professionals actively monitor markets, allocate assets, rebalance as needed, and explore long-term investment opportunities—so you don’t have to.
Get support when you need it.
Licensed client specialists are your go-tos for questions about your portfolio and the program. Call us at 1-855-787-9140. We’re here to help.
See the latest performance.
You can now compare our model portfolios against their custom benchmarks.
It's easy to get started.
Tell us about yourself.
Provide your investing time horizon and risk tolerance.
Review your portfolio.
See the portfolio allocation we recommend based on your answers.
Put your plan into action.
Once you open and fund your account, you can access your holdings and view trading activity 24/7.
The people and process behind our model portfolios
The 10 portfolios within the T. Rowe Price ActivePlus Portfolios program are managed by a team of highly seasoned investment professionals with a deep knowledge of asset allocation and portfolio construction. They benefit from ongoing communication and collaboration with our investment professionals on the ground around the world.
This means you can be confident that you’re getting a portfolio powered by experts—and enabled by the latest thinking and technology across our firm.
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The value of our active approach
With 80+ years of experience as an active investment manager, T. Rowe Price relies on a disciplined approach rooted in proprietary fundamental research.
This same approach fuels our process for the investments in T. Rowe Price ActivePlus Portfolios. We’re committed to keeping fund expenses low while finding investment opportunities with the strongest potential.
Analyst field research
We scour the globe for investment ideas.
Fundamental analysis
Intense collaboration completes the investment picture.
Investment portfolio implementation
Our best ideas are refined and selected.
Ongoing evaluation
We’re actively engaged for the long term.
Convenience with low costs
Get a diversified model portfolio designed and managed by our experts without additional advisory fees or commissions. You pay the expenses of the underlying funds in your model portfolio, which are the same expenses that all fund shareholders pay. The total expense ratios for the T. Rowe Price ActivePlus Portfolios program range from 0.42% to 0.78%.†
Frequently Asked Questions
What is T. Rowe Price ActivePlus Portfolios and how does it work?
T. Rowe Price ActivePlus Portfolios is a digital discretionary investment management service currently composed of 10 model portfolios designed to meet specific objectives. Each model portfolio invests in approximately 8 to 15 T. Rowe Price mutual funds according to a predetermined asset allocation strategy. How it works:
- The program recommends a model portfolio based on information you provide in response to our online questionnaire, such as your investing time horizon and risk tolerance. Once you receive your recommendation, it’s easy to open an account.
- We regularly monitor the model portfolios and rebalance the asset allocation of each as determined by our investment professionals. When the model portfolio is rebalanced, we seek to rebalance your account to generally align it with the target allocation of your recommended portfolio. Note: If you restrict any funds,* we will still rebalance your account to align with your target allocation, to the extent allowable.
- At least annually, you should review your risk tolerance and time horizon. It’s important to let us know if things change—such as life events or your financial situation. You can update your profile anytime to receive a new model portfolio recommendation.
Once your account is assigned to a model portfolio, we will diversify your holdings by aligning the asset allocation of your account with the model portfolio appropriate for your time horizon and risk tolerance. Because we manage your account based on your most recent responses to our questionnaire, you must update your time horizon and risk tolerance anytime there are changes to your individual circumstances. In addition, at least annually, you must update your time horizon to reflect the passage of time so that we can adjust your portfolio as necessary.
I’m ready to open an account. What are the key program requirements?
To be eligible for this program, you must:
- Be 18 years old
- Reside in the U.S.
- Meet the account minimum of $50,000 in a Traditional, Rollover, or Roth IRA
What types of accounts does this program support?
We offer this program for the following individual retirement account (IRA) types:
- Roth IRA
- Traditional IRA
- Rollover IRA
Why actively managed mutual funds?
Your recommendation consists of a diversified portfolio of actively managed T. Rowe Price mutual funds and is backed by our strategic investing approach.
Since 1937, strategic investing has guided how we uncover opportunities for our clients. More than 5201 of our investment professionals go out into the field to visit the companies they cover. They ask the right questions to gain a deeper understanding of where a company stands today and where it could go in the future. This depth of understanding helps us to make the best investment decisions as we seek to achieve your objectives.
We believe in strategic investing—because your investments are too important to be on autopilot.
1Investment professionals as of 12/31/2024. Figures include T. Rowe Price Associates, Inc. and its investment advisory affiliates including T. Rowe Price Investment Management, Inc.
Grow your retirement with us
Get your portfolio recommendation in minutes
Complete a short questionnaire and we’ll recommend a diversified model portfolio designed and managed by our experts.
Questions?
We're here to help.
Monday–Friday, 8 a.m.–8 p.m. ET
1:1 retirement planning
With $250,000+ in assets, you can enjoy a 1:1 relationship with an advisor, active management, and a detailed financial plan.
†The range shown above includes the expense ratios for the portfolio with the lowest and highest expense ratio in the program, as of 9/30/2025 (unaudited).
The expenses use historical data on the portfolios and are not a prediction of future expenses. Certain funds may have contractual expense limitations that have been factored in here, but may not continue for the period you hold the portfolio.
The expense ratio is calculated using the most recent quarter-end data on the program;
- primary funds used in the portfolios,
- the underlying fund expense ratios, and
- the target allocations for each portfolio.
The actual expenses experienced by an investor may be different than the expenses here. Actual expenses will depend upon the timing of investments into and out of the portfolio, the performance of the funds within the portfolio during the time held, share class, tactical portfolio changes, fund restrictions requested, as well as other factors.
*You may request to restrict up to 3 funds from your portfolio at a time. By restricting a fund(s), you're requesting that we replace that mutual fund with an alternative program fund within the same asset class (for example, U.S. large-cap growth, U.S. investment-grade fixed income, etc.). Keep in mind: Not all mutual funds within a portfolio have an acceptable alternative. In this scenario, we'll contact you to review your options, which may include changing or removing the request or, in some cases, closing your account.
As of 12/31/2024, the Portfolio Managers of T. Rowe Price ActivePlus Portfolios® program have 23 years of average experience.
Investments in T. Rowe Price ActivePlus Portfolios® program are subject to the risks associated with investing in mutual funds, which may result in loss of principal. T. Rowe Price does not guarantee the results of our investment management, or that the objectives of the funds or the portfolios will be met.
Diversification cannot assure a profit or protect against loss in a declining market.
The T. Rowe Price ActivePlus Portfolios® program is a discretionary investment management program provided by T. Rowe Price Advisory Services, Inc., a registered investment adviser under the Investment Advisers Act of 1940. Brokerage services are provided by T. Rowe Price Investment Services, Inc., member FINRA/SIPC. Brokerage accounts are carried by Pershing LLC, a BNY Mellon Company, member NYSE/FINRA/SIPC. T. Rowe Price Advisory Services, Inc., and T. Rowe Price Investment Services, Inc. are affiliated companies.
For details on how we determine recommendations and design and manage portfolios, review our program methodology.
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