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.

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.