We believe in actively managing our mutual funds and offer over 90 funds with no loads and low fees to address your specific investing needs. View all no-load mutual funds.
Retirement
Funds
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What They Are:
Actively managed funds make it easy to choose a diversified, age-appropriate asset mix during the years leading up to and through retirement.1 |
Generally Good for:
Investors who plan to retire close to a certain year looking for a single, "all-in-one" investment option. |
Stock Funds
What They Are:
Offer long-term growth potential by investing primarily in stocks of U.S. or international companies. Stock funds range from broadly diversified to those that concentrate on narrow sectors. |
Generally Good for:
Investors who need the growth potential of stocks to save for retirement or other long-term goals and can withstand short-term price swings. |
International
Funds
(Stocks & Bonds)
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What They Are:
Seek investment opportunities in stock or bond markets around the world, including developed and emerging markets. |
Generally Good for:
Investors who want to participate in the growth of foreign markets and diversify a U.S.-focused portfolio. |
Bond & Money
Market Funds
(Taxable & Tax-Free)
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What They Are:
Offer regular income and, in some cases, even tax-free income, by investing in bonds or money market securities.§ These funds range from broadly diversified to those that concentrate on narrow sectors. |
Generally Good for:
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Asset
Allocation
Funds
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What They Are:
Convenient, one-step mutual funds that provide broad diversification by investing in a mix of stocks and bonds. Asset allocation funds are regularly rebalanced to ensure the investment strategy remains on track. |
Generally Good for:
Investors looking for a complete portfolio in a single investment. |
Don't know where to begin?
Morningstar is one of the most respected third-party evaluators of mutual fund performance. Many of our mutual funds have been recognized by Morningstar in their respective categories.◊ View the mutual funds.
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4 & 5 Star-rated funds from Morningstar:
Over 45 of our funds have earned four or five stars from Morningstar, which gives these ratings to the top 32.5% of all funds based on their risk-adjusted returns.* Past performance cannot guarantee future results. |
Morningstar Analyst Picks:
Morningstar Analysts Picks are selected based on low cost, experienced fund management, consistent strategy, and a focus on investors' interests. |
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Three funds on Kiplinger's 25 favorite funds list:
Kiplinger's Personal Finance† magazine recognizes three T. Rowe Price mutual funds in its 2010 Kiplinger 25 list of "Favorite No-Load Mutual Funds." |
Nine funds listed on the Money 70® "Best" list:
MONEY® Magazine chooses its 70 "Best"± funds based on their ability to provide "lasting value." MONEY selected these funds based on low fees, stewardship, manager experience, and long-term (five-year) performance. |
All mutual funds are subject to market risk, including possible loss of principal. Diversification cannot assure a profit or protect against loss in a declining market.
1The principal value of the Retirement Funds is not guaranteed at any time, including at or after the target date, which is the approximate date when investors turn age 65. The funds invest in a broad range of underlying mutual funds that include stocks, bonds, and short-term investments and are subject to the risks of different areas of the market. The 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 more on income and principal stability during retirement. The funds maintain a substantial allocation to equities both prior to and after the target date, which can result in greater volatility.
2An investment in a money market fund is not insured or guaranteed by the FDIC or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.
*Based on cumulative total return, 107 of 178 (60%), 129 of 169, 124 of 145, and 70 of 91 T. Rowe Price funds (including all share classes and excluding funds used in insurance products) outperformed their Lipper average for the 1-, 3-, 5-, and
10-year periods ended 12/31/11, respectively. Not all funds outperformed for all periods. Fund returns have been affected by market volatility and are negative for certain periods. (Source for data: Lipper Inc.)
◊For funds with at least a 3-year history, a Morningstar Rating™ is based on a risk-adjusted return measure (including the effects of sales charges, loads, and redemption fees) with emphasis on downward variations and consistent performance. The top 10% of funds in each category receive 5 stars, the next 22.5% 4 stars, the next 35% 3 stars, the next 22.5% 2 stars, and the bottom 10% 1 star. Each share class is counted as a fraction of one fund within this scale and rated separately. Morningstar Rating™ is for the retail share class only; other classes may have different performance characteristics.
±In determining the funds on the MONEY 70®, the staff of MONEY magazine based their decision on each fund's low expenses, a proven record of putting shareholders first, experienced management, and 5-year performance record. The ending date for performance was 12/7/10. Note: MONEY magazine recommends all of the T. Rowe Price target-date retirement funds in its January/February 2011 article "Best Mutual Funds, Made Easier," in which they list the Money 70® "Best" mutual funds, but the 11 T. Rowe Price target-date retirement funds are counted as one fund on this list. The T. Rowe Price Retirement Income Fund is not considered to be a target-date retirement fund. From MONEY® Magazine, January/February 2011 © 2011 Time Inc. MONEY and MONEY 70 are registered trademarks of Time Inc. and are used under license. MONEY and Time Inc. are not affiliated with, and do not endorse products or services of, T. Rowe Price.
†Kiplinger's Personal Finance, May 2011. Kiplinger's compiled their list of 25 "Favorite No-Load Mutual Funds" by reviewing thousands of funds and choosing those "that charge low fees, boast solid records and are run by managers in whom we have confidence...[and] funds with low turnover and a record of preserving as well as growing capital." The ending date for performance and fee data was April 30, 2011.
§Some income may be subject to state and local taxes and the federal alternative minimum tax.
^©2012 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.
2An investment in a money market fund is not insured or guaranteed by the FDIC or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.
*Based on cumulative total return, 107 of 178 (60%), 129 of 169, 124 of 145, and 70 of 91 T. Rowe Price funds (including all share classes and excluding funds used in insurance products) outperformed their Lipper average for the 1-, 3-, 5-, and
10-year periods ended 12/31/11, respectively. Not all funds outperformed for all periods. Fund returns have been affected by market volatility and are negative for certain periods. (Source for data: Lipper Inc.)
◊For funds with at least a 3-year history, a Morningstar Rating™ is based on a risk-adjusted return measure (including the effects of sales charges, loads, and redemption fees) with emphasis on downward variations and consistent performance. The top 10% of funds in each category receive 5 stars, the next 22.5% 4 stars, the next 35% 3 stars, the next 22.5% 2 stars, and the bottom 10% 1 star. Each share class is counted as a fraction of one fund within this scale and rated separately. Morningstar Rating™ is for the retail share class only; other classes may have different performance characteristics.
±In determining the funds on the MONEY 70®, the staff of MONEY magazine based their decision on each fund's low expenses, a proven record of putting shareholders first, experienced management, and 5-year performance record. The ending date for performance was 12/7/10. Note: MONEY magazine recommends all of the T. Rowe Price target-date retirement funds in its January/February 2011 article "Best Mutual Funds, Made Easier," in which they list the Money 70® "Best" mutual funds, but the 11 T. Rowe Price target-date retirement funds are counted as one fund on this list. The T. Rowe Price Retirement Income Fund is not considered to be a target-date retirement fund. From MONEY® Magazine, January/February 2011 © 2011 Time Inc. MONEY and MONEY 70 are registered trademarks of Time Inc. and are used under license. MONEY and Time Inc. are not affiliated with, and do not endorse products or services of, T. Rowe Price.
†Kiplinger's Personal Finance, May 2011. Kiplinger's compiled their list of 25 "Favorite No-Load Mutual Funds" by reviewing thousands of funds and choosing those "that charge low fees, boast solid records and are run by managers in whom we have confidence...[and] funds with low turnover and a record of preserving as well as growing capital." The ending date for performance and fee data was April 30, 2011.
§Some income may be subject to state and local taxes and the federal alternative minimum tax.
^©2012 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.
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