Find a Retirement Fund

T. Rowe Price Retirement Funds offer a distinctly diversified portfolio in a single investment.

Use the tool below to find the T. Rowe Price Retirement Fund that most closely matches the year you will turn 65. Depending on your risk tolerance and time horizon you may consider a Retirement Fund with a different target date.

Each Retirement Fund seeks growth during the early phases of retirement investing, then gradually shifts to focus on principal preservation and income as you near retirement as shown in the resulting glide path. 100% of our Retirement Funds beat their 5-year Lipper average as of 3/31/13.* Past performance cannot guarantee future results.

For a diversified portfolio that maintains a static allocation, consider the Retirement Income Fund.
Diversification cannot assure profit or protect against loss in a declining market.

The 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.

The allocation to asset classes and fund will change according to a pre-determined "glide path." The glide path represents the shifting of asset classes over time and shows how the fund's asset mix becomes more conservative over time. The allocations shown in the glide path are referred to as "neutral" allocations because they do not reflect the tactical decisions made by T. Rowe Price to overweight or underweight a particular asset class or sector based on its market outlook. The target allocations assigned to the broad asset classes (stock and bonds), which reflect these strategic decisions resulting from market outlook, are not expected to vary from the neutral allocations set forth in the glide path by more than plus (+) or minus (-) five percentage (5%) points. While the funds do not guarantee a level of income, it continues to serve as a post-retirement investment vehicle with allocations designed to provide an income stream through retirement.

*Based on cumulative total return, 12 of 12, 12 of 12, 12 of 12, 5 of 5, and 7 of 7 of the Retirement Funds for individual investors outperformed their Lipper average for the 1-, 3-, 5-, and 10-year and since-inception periods ended 3/31/13, respectively. The Retirement 2010, 2020, 2030, 2040, and Income Funds began operations on 9/30/02; the 2005, 2015, 2025, and 2035 Funds began operations on 2/29/04; the 2045 Fund began operations on 5/31/05; and the 2050 and 2055 Funds began operations on 12/31/06. (Source for data: Lipper Inc.)