General investing accounts put your savings to work.
 
If you have extra cash just sitting in a bank account, it may not be doing much toward helping you reach your financial goals. A general investing account offers flexibility and can help get your unused cash working harder for you.

Invest now.

Questions? Call us at 1-800-332-6161

Features and benefits

 Enjoy flexibility with low fees and no penalties to access your money.

 Benefit from our strategic investing approach, which maximizes value for our clients over longer time  horizons.

 Save for retirement beyond your 401(k) plan or IRA.

 Diversify with a wide selection of funds that have consistently delivered strong performance at low cost.

Over 75% of our mutual funds with a 10-year track record have outperformed their 10-year Lipper average as of 6/30/19.1
Two ways to invest
Mutual Funds
 

Choose T. Rowe Price funds developed with your goals in mind and backed by our strategic investing approach.

Brokerage Account
 

Trade individual securities, including stocks and ETFs, and invest in mutual funds other than ours. Transactional and account maintenance costs associated with a brokerage account may apply.

Types of accounts

Individual

One owner.
Minimum investment: $2,500

Joint tenant

Two or more owners.
Minimum investment: $2,500

Trust

Opened in the name of an already established trust. Can be a valuable estate planning tool or a convenient vehicle to make a financial gift to a child.
Minimum investment: $2,500

UGMA/UTMA

Gifts and transfers to a child that are held in a custodian's name.
Minimum investment: $1,000

Transfer on Death

Add beneficiaries to an existing general investing account held with us so that, upon death, assets go where you want them to go.
Minimum investment: $1,000

A word about fees

We know you’re concerned about fees. That’s why we offer low-cost mutual funds with no loads, commissions, or sales charges.

Mutual Fund Annual Account Service Fee2
 

$20/T. Rowe Price account below $10,000

Mutual Fund Account Closeout Fee3
 

$20 if the account is closed

Unlike bank products, investment products are not FDIC insured, not bank guaranteed and may lose value.

Additional fees may apply to brokerage accounts. For more detailed information regarding fees, view the Fees and Minimums section of our Help Center.

Past performance is no guarantee of future results. Unlike bank products, investment products are not FDIC insured, not bank guaranteed and may lose value.

1 169 of our 368 mutual funds had a 10-year track record as of 6/30/19. (Includes all share classes and excludes funds used in insurance products.) 133 of these 169 funds (79%) beat their Lipper average for the 10-year period. 279 of 368 (76%), 231 of 314 (74%), and 178 of 222 (80%) of T. Rowe Price funds outperformed their Lipper average for the 1-, 3-, and 5-year periods ended 6/30/19, respectively. Calculations based on cumulative total return. Not all funds outperformed for all periods. (Source for data: Lipper Inc.)

2 The annual mutual fund account service fee will be waived if you subscribe to electronic delivery of statements, confirmations, and prospectuses and shareholder reports. For brokerage accounts, an annual $30 account maintenance fee applies, subject to additional waiver criteria. See the Brokerage Commission and Fee Schedule for details.

3 A closeout fee is deducted from each IRA or Education Savings Account (ESA) mutual fund account that is fully redeemed, transferred to a non-IRA or ESA, or transferred out of T. Rowe Price.

More account options

To help you reach your financial goals, T. Rowe Price offers a broad range of investment products and services.