Roll over or transfer your retirement account
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T. Rowe Price makes it easy to move your old 401(k) or IRA by working directly with your current provider to handle as much of the paperwork as possible for you.
We offer more than 100 low-cost funds, covering nearly every sector and asset class with different solutions to meet your retirement needs. Our experienced managers carefully manage risk as they pursue returns over longer time horizons to deliver competitive performance for your investments.

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Consider your options if you have an old employer-sponsored plan

Investment Options for Your Old 401(k) or IRA
Mutual Funds

Over 70 of our funds have earned 4- or 5-star Overall Morningstar Ratings as of 4/30/19.1

Retirement Funds

Over 95% of our Retirement Funds with a 10-year track record beat their 10-year Lipper average as of 3/31/19.2

T. Rowe Price® ActivePlus Portfolios

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Explore IRA Options
Roth IRA
  • Pay taxes now

  • Receive tax-free withdrawals of qualified distributions3

Traditional IRA
  • Pay taxes later

  • Receive potential tax deductions now

More account options

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

Consider all available options, which include remaining with your current retirement plan, rolling over into a new employer's plan or IRA, or cashing out the account value. When deciding between an employer-sponsored plan and IRA, there may be important differences to consider - such as range of investment options, fees and expenses, availability of services, and distribution rules (including differences in applicable taxes and penalties). Depending on your plan's investment options, in some cases, the investment management fees associated with your plan's investment options may be lower than similar investment options offered outside the plan.

1Morningstar gives its best ratings of 5 or 4 stars to the top 32.5% of all funds (of the 32.5%, 10% get 5 stars and 22.5% get 4 stars) based on their risk-adjusted returns. The Overall Morningstar Rating™ is derived from a weighted average of the performance figures associated with a fund’s 3-, 5-, and 10-year (if applicable) Morningstar Rating™ metrics. As of 4/30/19, 73 of 132 of our Investor Class funds received an overall rating of 5 or 4 stars.

The Morningstar Rating™ for funds, or “star rating”, is calculated for funds with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product’s monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star.

Source for Morningstar data: © 2019 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete, or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

235 of our 40 Retirement Funds (Investor, Advisor, and R Class) had a 10-year track record as of 3/31/19 (includes all share classes). 35 of these 36 funds beat their Lipper average for the 10-year period. 24 of 40, 38 of 39, and 35 of 36 of the Retirement Funds outperformed their Lipper average for the 1-, 3-, and 5-year periods ended 3/31/19, respectively. Calculations are based on cumulative total return. Not all funds outperformed for all periods. (Source for data: Lipper Inc.)

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 be an 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 (with the exception of the Retirement Balanced Fund) change over time. The funds (other than the Retirement Balanced Fund) 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 postretirement withdrawal horizon. The funds/trusts 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 T. Rowe Price® ActivePlus Portfolios 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.

3As long as you've held the account at least 5 years and you're age 59½ or older.