Asset Allocation Planning

T. Rowe Price understands that strong asset allocation planning is essential to long-term investing. It is important to have a properly allocated portfolio that adjusts over time as you approach your goal. However, diversification cannot assure a profit or protect against loss in a declining market.

Why Asset Allocation Matters

Balance Risk

Asset allocation spreads your money among different types of investments (stocks, bonds, and short-term securities) so you can manage volatility and growth potential over time.

Provides a Foundation

Your asset allocation provides the framework for your investment strategy, which you can use to further diversify your holdings.

Is your portfolio properly allocated?

Choose your current investment goal and time horizon to view T. Rowe Price's suggested asset allocation.

Use Morningstar®Portfolio Manager to monitor your portfolio's performance and view its underlying holdings with the onscreen X-Ray and Stock Intersection features.

Diversify your portfolio over
time

If you're already a T. Rowe Price customer,
log in today and use our Systematic Exchange Service to exchange from money market funds into stock and bond mutual funds on a consistent basis.*

*An investment in money market funds is not insured or guaranteed by the FDIC or any other government agency. Although a money market 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.