T. Rowe Price Insights®

Markets & Economy

Gain valuable perspective on the markets, economic developments, and what's ahead.

Investments

Explore our latest investment thinking to help you make informed financial decisions.

Retirement & Financial Planning

Learn more about how you can reach your short- and long-term financial goals.

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Retirement Planning

How Much Retirement Income Will You Need?
Determine your income replacement rate to help you better plan for retirement. Read more...
November 12, 2019 
Roger Young, CFP®, Senior Financial Planner

Markets & Economy

Monthly Market Review
Stay informed about global economic developments and our perspective on market conditions. Read more...
 
T. Rowe Price

Featured Topics

Fixed Income

LIBOR Is Changing: Five Things You Need to Know
T. Rowe Price’s working group considers the implications of the LIBOR transition. Read more...
  • Financial authorities are planning to phase out and replace LIBOR after the end of 2021 with new alternative reference rates.
  • The transition to a new benchmark rate would impact a wide range of global assets. Close coordination among different institutions aims to minimize disruption.
  • T. Rowe Price has created a dedicated working group to assess our portfolio exposures to LIBOR and help smooth the transition of our clients’ investments to new benchmark arrangements.
November 29, 2019 
T. Rowe Price

Asset Allocation

A New Era of Active Management Looms
The period ahead will likely be less suitable for passive strategies. Read more...
  • The strong returns of passive strategies since the financial crisis have been driven by central bank quantitative easing (QE), but this period is likely ending.
  • As the impact of QE recedes, returns are likely to fall and cross-sectional volatility is likely to return.
  • In order to gain from rotation within and between asset classes, investors may benefit from putting active strategies at the core of their portfolios.
November 27, 2019 
Yoram Lustig, CFA, Head of Multi-Asset Solutions, EMEA

Personal Finance

How Much Cash Should I Have On Hand?
Having accessible cash for financial emergencies or general spending can help keep your financial goals on track and offer some peace of mind.  Read more...
  • The benefit of having a cash cushion when retired allows investments to potentially grow long term over decades of retirement.
  • If you need additional cash reserves to fund living expenses in retirement drawing from this account is an alternative to withdrawing from investments that may lock in a loss.
  • While working, we recommend setting aside at least $1,000 for emergencies to start and then saving for up to three to six months of expenses.
  • If you are single or have an irregular income, it may help to save for more than six months of expenses. 
November 26, 2019 
Judith Ward, CFP®, Senior Financial Planner

Fixed Income

Three Credit Investment Ideas to Consider if Reflation Occurs
Loans, unloved corporates, and hard currency EM debt look tempting. Read more...
  • Stabilizing economic data are likely to throw up some compelling opportunities within the fixed income sector.
  • The floating rate bank loan market stands out as, potentially, the most interesting credit allocation.
  • Opportunities are also likely to arise in specific corporate bond sectors, while hard currency emerging market bonds appear to be positioned to perform.
November 20, 2019 
T. Rowe Price