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Resources to use with your clients - helping you stay informed and effective.

   

You need innovative tools and timely thinking to work effectively with your clients. We're dedicated to bringing you the right tools to stand out, seize opportunities, and succeed, including:

  • Plan sponsor resources to inspire effective plan management
  • Participant touchpoints to help drive retirement readiness
  • Target date research to inform decision-making for investment committees

For Plan Sponsors

Education and support to enhance your value to plan sponsors.

These resources can help you reach out to sponsors of defined contribution plans with relevant, targeted information designed to make their plans more effective--while also helping to build your business.

Plan Participant Education Presentations

The following presentations are for advisors to use as a baseline for participant meetings. These core presentations can be enhanced to provide depth around specific topics. Consistent messaging and corresponding suggested calls to action can be found throughout the variety of presentations listed below:
 

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Retirement Savings Strategies

This presentation provides an overview of the most important plan details and retirement savings strategies. It is designed to inform employees of their plan's features, how to use those features to build their own savings strategy, and how advisors can help as individuals save, invest, and plan for retirement.

Achieving Financial Goals

Achieving Financial Goals

This presentation teaches employees strategies for prioritizing their unique financial goals. It identifies saving for retirement as a primary goal and shows how participants can address competing priorities, such as paying down debt and saving for college.

Additional Presentations for Participants

Distribution Options When Changing Jobs or Retiring

This presentation provides impartial education about participants' options for their savings when they change jobs or retire. It includes an overview of important plan rules, the distribution options available, and the financial considerations for each option.

Retirement Ready

This presentation reviews the important milestones (financial and emotional) people reach as they approach retirement. It is designed to encourage employees to start envisioning their retirement and the steps they need to take today to be better prepared. The presentation also reviews some plan resources available to them.

Plan Features

This presentation is designed to inform employees of their plan's benefits by providing details about the plan. It also covers the enrollment process as well as the resources available to help them save, invest, and plan for retirement.

 

Articles for Participants

Consider an Age-Based Approach to Investing

Gives participants an overview of the age-based investment options available from T. Rowe Price that offer instant diversification with a professionally managed mix of investments and automatic rebalancing.

Know Your Options Before Cashing Out

Offers participants education about their distribution options when they change jobs or retire.

There's a Lot You Can Do Now for Retirement

Shares practical steps to encourage participants to start saving and investing for retirement early.

As You Retire, Keep Your Portfolio Working for You

Provides insights into why retirees should consider keeping a portion of their savings invested in stocks.

Critical Checklist Before You Retire

Outlines important financial preparation for pre-retirees to think about as they approach retirement.

Four Ways to Boost Your Income Potential

Lists four strategies for pre-retirees to consider to strengthen their retirement income strategy.

How Much Can You Spend Annually in Retirement

Offers pre-retirees insight into withdrawal strategies that could help them make their savings last.

Retirement Ready: Four Steps to Keep Your Savings on Track

Details potential strategies for reaching retirement income goals, even if a participant has fallen behind.

Target Date Investments

Resources and research that provide insights into target date products.

Target Date Fund Accolades

Highlights T. Rowe Price target date funds differentiating characteristics, compelling benchmarking data and industry accolades.

How Our Strategic Investing Approach Stacks Up Against Passive Portfolios

T. Rowe Price conducted a study to evaluate whether our active approach to target date management has outperformed passive strategies offered by our competitors. We examined the performance of 11 of our Retirement Funds, those for which we could identify competing passive strategies.

Target Date Strategies: The Benefits of T. Rowe Price's Strategic Investing Approach

Our study found that the 11 retirement funds studied outperformed their benchmarks in at least 85% of rolling five-year periods and 100% of rolling 10-year periods (rolled monthly) from inception through December 31, 2018, net of fees.

Target Date Study Methodology Summary

An Evolving Target Date Landscape--Insights to an Informed Assessment Process

This paper offers a framework for sponsors to establish a belief set and clarity of governance structure that provides sponsors a solid foundation to inform their review and selection of a specific target date fund solution.

Important Information

The principal value of the Retirement Funds and Target Funds (collectively the "Target Date 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 Target Date Funds' allocations among a broad range of underlying T. Rowe Price stock and bond funds will change over time. The Retirement 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 retirement withdrawal horizon. The Target Funds emphasize asset accumulation prior to retirement, balance the need for reduced market risk and income as retirement approaches, and focus on supporting an income stream over a moderate postretirement withdrawal horizon. The Target Date Funds are not designed for a lump-sum redemption at the target date and do not guarantee a particular level of income. The key difference between the Retirement Funds and the Target Funds is the overall allocation to equity; although they each maintain significant allocations to equities both prior to and after the target date, the Retirement Funds maintain a higher equity allocation, which can result in greater volatility over shorter time horizons. Diversification cannot assure a profit or protect against loss in a declining market.

Contact your T. Rowe Price representative to find out how we can take your plan to the next level.