Retirement Solutions
Navigate your retirement goals with us
However you see yourself in retirement, we’ve got a wealth of options to help you make it happen—through all types of market conditions.
Your vision. Our expertise.
Your retirement vision is unique to you. From staying on track with your goals, to understanding the broader economic landscape, to strategies for navigating life’s financial stages—our experts offer practical guidance on what’s key for investors to know right now.
Get the latest from our thought leaders and gain an edge in making informed investing decisions, whatever your goals may be.
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Get started with an IRA
Our IRAs are designed to be flexible long-term savings plans to help you prepare to make the most of your retirement years. We can even help you focus in on which type of IRA is best for your situation.With an IRA at T. Rowe Price, you can:
- Save for retirement in a tax-advantaged investment account.
- Choose from a wide selection of mutual funds with a history of strong performance.
- Schedule automatic contributions to easily build your portfolio over time.
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Consolidate your old accounts for a better view
Rollover a 401(k) into an IRA
If you’ve changed jobs and have one or more old 401(k)s, a rollover might be a good choice to help you keep track of your investments—all in one place.
Transfer an existing IRA
If you have IRA assets across multiple investment firms, bringing your accounts together in to one place can make your savings easier to manage.
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Better questions have delivered better outcomes. T. Rowe Price Retirement Funds.
Each and every T. Rowe Price Retirement Fund with at least 10 years of history has generated a higher balance for investors compared with its corresponding S&P Target Date Index benchmark since launching through June 30, 2025. Results are net of fees.
Past performance is no guarantee of future results. Analysis assumes the investment of $100,000 in each Fund and its corresponding S&P Target Date Index at the inception date of each Fund, the reinvestment of any fund capital gains and dividends, and no additional investment. Results for other time periods will differ.
Grow your retirement with us
Start a new investment
We're here to help you invest confidently for all your goals.
Questions?
Speak with one of our trusted financial consultants.
Monday–Friday, 8 a.m.–8 p.m. ET
One-on-one retirement planning
Together, you and an advisor can design a plan to help you save for a secure retirement.
All investments are subject to risk, including the possible loss of principal.
The principal value of the Retirement Funds is not guaranteed at any time, including at or after the target date, which is the approximate year an investor plans to retire (assumed to be age 65) and likely stop making new investments in the fund. If an investor plans to retire significantly earlier or later than age 65, the funds may not bean appropriate investment even if the investor is retiring on or near the target date. The funds’ allocations among a broad range of underlying T. Rowe Price stock and bond funds will change over time. The funds emphasize potential capital appreciation during the early phases of retirement asset accumulation, balance the need for appreciation with the need for income as retirement approaches, and focus on supporting an income stream over a long-term post retirement withdrawal horizon.
The funds are not designed for a lump-sum redemption at the target date and do not guarantee a particular level of income. The funds maintain a substantial allocation to equities both prior to and after the target date, which can result in greater volatility over shorter time horizons. The funds’ overall level of risk will directly correspond to the risks of the underlying funds in which it invests. By investing in many underlying funds, the fund has exposure to the risks of different areas of the market, such as the inherent volatility of the equity markets, which may be increased to the extent that the fund invests in small- and mid-cap stocks. Fixed income securities involve interest rate (as rates rise the price of a fixed income security generally falls), credit and pre-payment risks. International investments are subject to special risks including currency fluctuations, social, economic and political uncertainties, which could increase volatility. These risks are magnified in emerging markets. No target date fund is considered a complete retirement program and there is no guarantee of principal invested or that any single fund will provide sufficient retirement income at or through retirement.
The “S&P Target Date Index” is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”), and has been licensed for use by T. RowePrice. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). T. Rowe Price’s products are not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P Target Date Index.
T. Rowe Price Investment Services, Inc., distributor, T. Rowe Price mutual funds.
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