Asset allocation funds with a static mix have a relatively fixed allocation among their various investments. They seek to provide a stable set of return potential and risk characteristics over the long term. When selecting a static mix fund, focus on your investment time horizon—when you'll need the money—so that the risk/reward potential of the fund you choose is appropriate for your goal.
- T. Rowe Price Personal Strategy Funds
- T. Rowe Price Spectrum Funds
- T. Rowe Price Balanced Fund
- T. Rowe Price Personal Strategy Balanced Fund
The Personal Strategy Funds provide three options for investors who want a simple, well-diversified portfolio.
- Personal Strategy Income invests approximately 40% of assets in stocks, 40% in bonds, and 20% in money market securities. It is appropriate for intermediate-term goals.
- Personal Strategy Balanced invests approximately 60% in stocks, 30% in bonds, and 10% in money market securities. It is appropriate for intermediate- to long-term goals.
- Personal Strategy Growth invests approximately 80% in stocks and 20% in bonds and money market securities. It is appropriate for long-term goals.
The Spectrum Funds invest exclusively in combinations of other T. Rowe Price mutual funds to achieve specific investment goals. Management actively monitors market conditions and adjusts the specific investments within each asset class in accordance with their outlook, yet the Spectrum Funds charge no additional management fees (on top of those charged by the underlying fund holdings).
- Spectrum Income is appropriate for investors seeking regular income from their portfolio.
- Spectrum Growth is appropriate for investors who want a portfolio centered on long-term growth potential.
- Spectrum International is appropriate for investors who desire to add diversified international investments to their portfolios.
Holdings in the Balanced Fund are selected according to T. Rowe Price’s disciplined investment approach and are rebalanced regularly. It can be used to pursue a wide variety of intermediate- to long-term investment goals.
Personal Strategy Balanced invests approximately 60% in stocks, 30% in bonds, and 10% in money market securities. It is appropriate for intermediate- to long-term goals.
These funds are subject to market risk, including possible loss of principal. In addition, they are subject to the risks of fixed-income investing, including interest rate risk and credit risk.
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