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IRA

T. Rowe Price offers a disciplined approach with a diverse choice of investment options to help you customize a plan to achieve your retirement goals. Compare the benefits of a Roth IRA vs. Traditional IRA with our tools. Examine your IRA investment options and move your retirement savings to T. Rowe Price.

Which IRA Is Right for You
Your tax filing status helps determine the applicable income ranges for Roth IRA contribution eligibility, as well as the tax-deductibility of a Traditional IRA contribution.

Traditional or Roth IRA?
Which option could work best for you?

What is your tax filing status?

Single or Head of Household
 
Married Filing Jointly
 
Why we ask
Convert Your Traditional IRA
to a Roth IRA

A Roth IRA offers many advantages over a Traditional IRA. See if you should switch.

Take a closer look

Proven IRA Performance

Keep your retirement savings on track with
a low-cost, actively managed portfolio.

Select your birth year  Find your Fund
Mutual Funds
We have over 90 no-load mutual funds including
20 Morningstar® Analyst Picks.

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.

*Based on cumulative total return, 107 0f 178 (60%), 129 of 169, 124 of 145, and 70 of 91 T. Rowe Price funds (including all share classes and excluding funds used in insurance products) outperformed their Lipper average for the 1-, 3-, 5-, and 10-year periods ended 12/31/11, respectively; 6 of 12 (50%), 11 of 12 (92%), 12 of 12, and 12 of 12 T. Rowe Price Retirement Funds for individual investors outperformed their Lipper average for the 1-, 3-, and 5-year and since-inception periods ended 12/31/11, 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 of 12/31/06. Not all funds outperformed for all periods. Fund returns have been affected by market volatility and may be negative for certain periods (Source for Lipper data: Lipper Inc).
Copyright 2012, T. Rowe Price Investment Services, Inc., Distributor. All rights reserved.