Please Upgrade Your Web Browser

Your browser will soon be unsupported by T. Rowe Price. To ensure security and proper site functionality, please update to the latest version of Chrome, Edge, Safari, or Firefox. For work devices, contact your IT administrator.

View supported browsers (separate page)
Money Market Fee

All T. Rowe Price Insights

Browse our latest thoughts on market trends, investment strategies for retirement, and financial planning.

Subscribe to Insights
  1. Markets & Economy
  2. Personal Finance
  3. Retirement Planning
  4. Retirement Savings
  5. Asset Allocation
  6. Equities
  7. Fixed Income

Markets & Economy

Apr 2026 From the Field Article

As China’s disinflation fades, inflation risks may rise globally

China’s anti-involution drive could help push inflation higher worldwide in 2026...
By   Adam Marden, Christopher J. Kushlis, CFA, Ivan Morozov, CFA
Video Mar 2026 Video

Staying steady in uncertain markets: 4 strategies to keep you on track

In times of market uncertainty, staying focused on your long-term financial goals...
By   Stuart Ritter, CFP®
Mar 2026 In the Loop Article

Conflict in Iran and the Middle East—market implications

The outbreak of conflict in the Middle East will remain an immediate source of concern...
Feb 2026 From the Field Article

What’s behind gold’s surge—and what could end it

Gold’s rally breaks old rules. Understanding what’s driving it matters more than...
By   Justin Thomson
Feb 2026 In the Loop Article

Markets weigh impact of AI on software sector

Volatility among global technology stocks, and software stocks in particular, has...
Jan 2026 In the Loop Article

Greenland tensions: New tariff and trade worries for global markets

Geopolitical tensions over Greenland, alongside tariff and trade concerns, has reignited...
Jan 2026 In the Spotlight Article

Venezuela: Implications for markets

Initial impacts on markets from U.S. military intervention in Venezuela.
Video Dec 2025 Monthly Market Playbook Video

Has the AI boom turned into a bubble?

Some investors fear a repeat of the 1990s internet bubble. But fundamentals are stronger...
By   Timothy C. Murray, CFA
Video Nov 2025 On the Horizon Video

Fiscal expansion to propel U.S. economy in multispeed world

Other regions may lag as tariffs weigh on manufacturing.
By   Blerina Uruçi, Tomasz Wieladek, Ph.D., Christopher J. Kushlis, CFA
Video Nov 2025 On the Horizon Video

From hype to hard returns: AI enters a new phase

The focus is shifting from potential to profitability—and risk.
By   Dominic Rizzo, CFA, Mark Stodden, CFA
Oct 2025 In the Loop Article

U.S. government shutdown: Update

Discover what the U.S. government shutdown means for markets and the economy.

Personal Finance

Apr 2026 Make Your Plan Article

Is it smart to keep money invested in equities during market volatility?

How staying invested can support retirement goals better than trying to time volatile...
By   Roger Young, CFP®
Apr 2026 Make Your Plan Article

How to help protect your investment portfolio during stock market volatility

Five practical steps to stay disciplined and prepared when markets swing.
By   Lindsay Theodore, CFP®
Apr 2026 Make Your Plan Article

How new education policies could change financial aid and loans in 2026

Learn how new education and tax reforms could reshape financial aid, student loans,...
By   Roger Young, CFP®
Happy African Couple Doing Retire Finances Plan And Money Budget Apr 2026 Make Your Plan Article

How to maximize Social Security survivor benefits for couples

Understanding survivor benefits rules can help you make better decisions.
By   Lindsay Theodore, CFP®
Mar 2026 Make Your Plan Article

Understanding cybersecurity threats, and how to protect yourself from them

When it comes to protecting yourself from cyberfraud, knowledge is the key to prevention.
By   Lindsay Theodore, CFP®, Thomas Byrd
Video Mar 2026 Make Your Plan Video

Understanding the tax efficiency benefits of exchange-traded funds (ETFs)

Active ETFs help taxable investors minimize capital gains and take greater control...
By   Lindsay Theodore, CFP®
Feb 2026 Make Your Plan Article

Five important actions that can help women build financial security

How to protect your family from financial disruptions.
Jan 2026 Article

2026 key financial numbers that you need to know

Retirement contribution limits, tax rates, and more information to keep in mind throughout...
Jan 2026 Make Your Plan Article

How to make the most of your savings using a tax-efficient approach

Factoring taxes into your investment strategy can help amplify your saving efforts.
By   Roger Young, CFP®
Jan 2026 Make Your Plan Article

Choosing a financial planner and answers to the top financial advice questions

Answers to some of the most frequently asked questions when it comes to financial...
Jan 2026 Make Your Plan Article

How to save yourself money by lowering your 2025 taxes

You have until April 15, 2026, to make contributions that could help lower your taxable...
Dec 2025 Article

Developing a college savings strategy that will work best for you

Deciding how much to save for a child’s education and when to start saving are vital...
By   Roger Young, CFP®
Dec 2025 Make Your Plan Article

Make a fresh start in 2026: Your financial checklist for the new year

To make the most out of the coming year, consider this month-by-month approach to...
Dec 2025 Make Your Plan Article

How much should you have saved for your child’s college education by now?

Discover savings benchmarks and strategies for college savings by age five, 10, 13,...
By   Roger Young, CFP®
Nov 2025 Make Your Plan Article

How to minimize taxes when leaving assets to the next generation

When planning to leave money to heirs, it’s important to weigh the tax burden of...
By   Roger Young, CFP®
Video Nov 2025 Make Your Plan Video

How to make your retirement account withdrawals work best for you

These approaches can extend the life of a portfolio and preserve assets for heirs.
By   Roger Young, CFP®, William Reichenstein, Ph.D.
Video Nov 2025 Video

End-of-year tax considerations for capital gains: Understanding mutual fund distributions

What investors should know about the potential tax consequences of mutual funds....
By   Roger Young, CFP®
Aug 2025 Article

The important tax advantages you should consider when paying for college

A coordinated plan to tackle the costs of college can provide you with peace of mind...
Jul 2025 Article

Estate planning: How to ensure that your assets will be distributed according to your wishes

Create an estate plan that benefits your heirs.
By   Roger Young, CFP®
Jun 2025 Article

How tax loss harvesting can help improve your investment returns

Strategically selling holdings at a loss can help reduce your portfolio’s tax liability.
By   Roger Young, CFP®, Donald Peters
Jun 2025 Article

Helpful actions you can take if your portfolio is too concentrated in one equity

Holding too much of one company’s stock can create more risk in your portfolio than...
By   Roger Young, CFP®, Martin Allenbaugh, CFP®
Jun 2025 Make Your Plan Article

What is a trust, and how can it benefit my estate plan?

Trusts, when designed and implemented appropriately, can serve as an important component...
By   Lindsay Theodore, CFP®
Jun 2025 Make Your Plan Article

Take financial control of your life during and after a divorce

Form a path toward financial sustainability and independence by advocating for yourself...
By   Lindsay Theodore, CFP®
Middle aged couple calculate profits of finance account together. Wife holding current expense document in hands, sitting on modern kitchen, paying utility bill online, using netbook Mar 2025 Make Your Plan Article

Emergency fund planning: How much cash should I have on hand?

Having accessible cash for financial emergencies or general spending can help keep...
Mar 2025 Make Your Plan Article

529 plans and more: Smart strategies to help pay for your grandchild’s college education

Grandparents can select savings strategies and tools to make their gifts go further.
By   Roger Young, CFP®
Jan 2025 Make Your Plan Article

Women and money: Top 10 financial goals

It may be a good time to revisit your financial goals.

Retirement Planning

Video Apr 2026 Make Your Plan Video

Beyond savings: Why retirement lifestyle planning is important

Steps to help you connect the nonfinancial aspects of retirement to your financial...
By   Lindsay Theodore, CFP®
Mar 2026 Make Your Plan Article

What to know about Social Security benefits and your taxes

Plan ahead to keep Social Security income from raising your marginal tax rate.
By   Roger Young, CFP®
Video Mar 2026 Make Your Plan Video

Eight important things to know about required minimum distributions (RMDs)

Once investors turn age 73, they will need to take required minimum distributions...
By   Lindsay Theodore, CFP®
Feb 2026 Make Your Plan Article

How a Monte Carlo analysis could help improve your retirement plan

Most investors should aim for a good score rather than a perfect one.
By   Lindsay Theodore, CFP®
Dec 2025 Make Your Plan Article

How to plan for housing and long-term care in the second half of retirement

Strategic planning for housing and long-term care can help improve the second half...
By   Lindsay Theodore, CFP®, Roger Young, CFP®
Sep 2025 Make Your Plan Article

How can I create a smarter strategy for claiming my Social Security benefits?

How you can use the complicated rules of Social Security to your advantage.
By   Roger Young, CFP®, William Reichenstein, Ph.D., William Meyer
Sep 2025 Make Your Plan Article

The benefits of maxing out your IRA: Why contributing early matters

How maxing out your individual retirement account contributions early in the year...
Sep 2025 Make Your Plan Article

Becoming retirement ready: How to stress-test your plan with an advisor

Discover how partnering with an advisor can help strengthen your retirement strategy...
Jun 2025 Make Your Plan Article

What can I do to retire confidently during market uncertainty?

While market volatility is beyond our control, patience and small adjustments can...
Jun 2025 Article

When should I begin to receive my Social Security benefits?

Your Social Security benefits are likely an important part of your retirement income...
By   Roger Young, CFP®
Video May 2025 Make Your Plan Video

Consolidating retirement accounts: Should you streamline your savings?

Consolidating retirement accounts can make it easier to stay on track.
By   Lindsay Theodore, CFP®
Apr 2025 Make Your Plan Article

How surviving spouses can optimize their Social Security claiming strategies

Coordinating personal and survivor Social Security benefits can improve retirement...
By   William Reichenstein, Ph.D., Stuart Ritter, CFP®
Feb 2025 Make Your Plan Article

How to determine the amount of income you will need at retirement

Determine your income replacement rate to help you better plan for retirement.
By   Roger Young, CFP®, Lindsay Theodore, CFP®
Feb 2025 Make Your Plan Article

Can you save money by converting assets to a Roth IRA?

This strategy could reduce your taxes over the long term.
By   Roger Young, CFP®
Video Jan 2025 Make Your Plan Video

Six steps to achieve financial independence and retire early (FIRE)

With proper preparation, early retirement could be an option for investors at a variety...
By   Lindsay Theodore, CFP®, Roger Young, CFP®

Subscribe to T. Rowe Price Insights

Receive monthly retirement guidance, financial planning tips, and market updates straight to your inbox.

Subscribe Now

Retirement Savings

Apr 2026 Make Your Plan Article

What percentage of my income should I save for retirement?

Most investors should save at least 15% for retirement, then adjust based on your...
By   Roger Young, CFP®
Video Apr 2026 Make Your Plan Video

Want your retirement savings to go further? Learn more about tax-efficient strategies

Tax-aware withdrawals and Roth conversions can help your retirement portfolio last...
By   Roger Young, CFP®
Mar 2026 Article

Retiring into a down market: How to make your savings last

A conservative withdrawal approach is part of a sustainable retirement spending plan.
Video Dec 2025 Make Your Plan Video

Retirement savings by age: What to do with your portfolio in 2026

Steps you can take at every age to put yourself in a stronger financial position....
By   Roger Young, CFP®
Video Nov 2025 Make Your Plan Video

Eight accounts to help improve your retirement

There are a variety of retirement accounts that you can fund to help you prepare...
Video Aug 2025 Make Your Plan Video

Six common retirement saving mistakes and how to avoid them

Avoiding these common mistakes can make a significant difference in your retirement...
Jun 2025 From the Field Article

How unpacking health care expenses can empower retirement savers

We unpack health expense data to help retirement savers optimize their financial...
By   Sudipto Banerjee, Ph.D.
May 2025 Article

Four reasons to save for retirement in a taxable general investing account

In some situations, it may make sense for individuals to save for retirement in taxable...
Feb 2025 Make Your Plan Article

Ways to help women overcome the retirement savings gap and boost confidence

Addressing barriers to retirement savings for women.
Video Feb 2025 Make Your Plan Video

How you can boost retirement savings with catch-up contributions

Set aside more money for retirement with this valuable savings method.
By   Roger Young, CFP®, Lindsay Theodore, CFP®
Feb 2025 Make Your Plan Article

Answers to five of the most popular retirement savings questions

Answering these five questions can help put the future you want within reach.
By   Roger Young, CFP®

Asset Allocation

Video Apr 2026 From the Field Video

How to gain the benefits of active management in an exchange-traded fund

How active ETFs have the potential to outperform
By   Christopher Murphy, CIMA®
Mar 2026 From the Field Article

Looking through the crisis: Asset Allocation Committee views

Multi-asset perspectives on the oil supply shock
By   Sébastien Page, CFA
Jan 2026 Article

Why active matters: T. Rowe Price Retirement Funds vs. passive peers

These Retirement Funds beat passive competitors.
Nov 2025 From the Field Article

U.S. policy under Trump: What investors need to know

We explore the policy changes that could matter the most for markets and asset allocation.
By   Timothy C. Murray, CFA
Video Nov 2025 Monthly Market Playbook Video

Should investors be worried about the U.S. labor market?

Slow U.S. employment growth does not appear to be a warning sign of recession.
By   Timothy C. Murray, CFA
Video Oct 2025 Monthly Market Playbook Video

How investors can position for U.S. dollar weakness

Investors may want to increase their exposure to non-U.S. assets—especially bonds.
By   Timothy C. Murray, CFA

Equities

Video Apr 2026 From the Field Video

AI Innovation: Which Inning Are We In?

Focusing on the long game
By   Paul Greene, II
Video Mar 2026 Video

What does the war in Iran mean for energy in the medium term?

Resource nationalism and weakening U.S. shale oil and gas productivity are bullish...
Video Mar 2026 Monthly Market Playbook Video

Has the AI arms race changed mega-cap tech?

How AI has changed dynamics for mega-cap technology.
By   Timothy C. Murray, CFA
Video Feb 2026 Monthly Market Playbook Video

Are U.S. small-caps finally back?

U.S. small-cap stocks have outperformed recently thanks to faster earnings growth.
By   Timothy C. Murray, CFA
Feb 2026 From the Field Article

Smarter alpha: Get more from a portfolio’s core

A strategy that blends the best of active and passive can help unlock risk-adjusted...
By   Laurence Taylor, CFA, Andrew W. Tang, CFA, CAIA®
Feb 2026 From the Field Article

Health care’s next chapter: Opportunities in an era of transformation

The outlook for health care is improving, fueled by innovation across several key...
By   Salehin Rais, Michael J. Signore, Maggie Brady
Dec 2025 From the Field Article

China 2026: A new cycle emerges

Chinese equities outperformed other markets in 2025. We expect a stable/improving...
By   Wenli Zheng
Nov 2025 From the Field Article

Why dividend growth investing has staying power

High-quality dividend growers can compound in value.
By   Thomas J. Huber, CFA, Tamzin Manning
Nov 2025 From the Field Article

Discover the possibilities of an active technology ETF

Technology exchange-traded funds (ETFs) can offer diversified growth opportunities...
By   Christopher Murphy, CIMA®, Dominic Rizzo, CFA, Jennifer O'Hara Martin
Nov 2025 From the Field Article

The market has left GARP behind. What can change that?

GARP investment has been out of favor in the current market regime. What caused that,...
By   Josh Nelson, Stephon Jackson, CFA

Fixed Income

Mar 2026 Ahead of the Curve Article

War-driven energy price spike increases risk of central bank policy errors

Energy price spikes are reshaping inflation and central bank policies.
By   Arif Husain, CFA
Feb 2026 From the Field Article

How the new AI economy is reshaping global credit markets

Discover how AI-driven capital spending is tapping fixed income markets for funding.
By   Mark Stodden, CFA, Tom Dignacco, CFA
Jan 2026 Ahead of the Curve Article

Yields poised to increase as global competition for capital endures

Explore why rising yields, robust U.S. growth, and volatility could shape fixed income...
By   Arif Husain, CFA
Oct 2025 From the Field Article

Looking for income? Four bond solutions to consider

Fixed income can help investors with a variety of different needs.
By   Kenneth A. Orchard, CFA
Oct 2025 Ahead of the Curve Article

Higher U.S. long-term yields, steeper curve: Why my thesis still holds

Explore why longer-maturity U.S. Treasury yields could still increase.
By   Arif Husain, CFA
Sep 2025 From the Field Article

Why active management is essential in the municipal bond market

Investment decisions can be driven by fundamental research.
By   Dawn Mueller, CFA

Put our insights into action

Subscribe to T. Rowe Price Insights

Receive monthly retirement guidance, financial planning tips, and market updates straight to your inbox.

Subscribe Now

Need help finding the right account?

Our Financial Consultants can help you find the right solution for your goals.

Monday—Friday, 8 a.m.—8 p.m. ET

Call 1-800-332-6161

Financial advice solutions

We offer different levels of advice to fit your needs and help you save enough for the future you envision.

Explore Advice Solutions

5070693