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.

100% of our Retirement Funds Beat their 10-Year Lipper Average


For a diversified portfolio that maintains a static allocation, consider the Retirement Balanced 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 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 change over time. 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 on supporting an income stream over a long-term postretirement withdrawal horizon. The funds 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 allocation to asset classes and funds will change according to a predetermined "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, they continue to serve as a postretirement investment vehicles with allocations designed to provide an income stream through retirement.

*Based on cumulative total return, 11 of 12 (92%), 12 of 12, 12 of 12, 9 of 9, and 2 of 3 (67%) of the Retirement Funds for individual investors outperformed their Lipper average for the 1-, 3-, 5-, and 10-year and since-inception periods ended 12/31/14, 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.)