Open an IRA. Let's get started.

Need help? Call 800-545-1260

Contributing to a new IRA?

Select the type you would like.


Moving money from an existing 401(k) or IRA?

Select your source.

Save Smart with an IRA


Choose your IRA

Why T. Rowe Price

Select a Retirement Fund

Open your IRA


We help investors like you stay confident.

Get a free 1:1 consultation by calling 800-332-6161

Experienced guidance at no extra cost

Our specialists will assist you with opening a new IRA.
With a free 1:1 consultation, you:

  • Receive personalized, objective guidance based on your goals.
  • Weigh your options and determine which account type is right for you.
  • Determine appropriate asset allocation strategies and funds.

And, if you are considering a rollover IRA, get help completing forms and contacting your former employer.

Proven performance

Such as 100% of our Retirement Funds beat their 10-year category averages
as of 12/31/15.1,* We also offer over 100 no-load mutual funds. Of course, past
performance cannot guarantee future results.

Account Service Fee

An annual fee of $20 will be charged for each T. Rowe Price mutual fund account with a balance below $10,000. The account service fee, which is intended to help offset the relatively higher costs associated with servicing lower balance accounts, will be automatically deducted from the account's assets. Investors may qualify for a waiver of the account service fee in any of the following three ways:

  • Subscribe to electronic delivery of statements, confirmations, and prospectuses and shareholder reports;
  • Maintain an individual combined balance of $50,000 or more for all T. Rowe Price accounts (including mutual funds, Brokerage, Variable Annuity, and Small Business Retirement Plans); or
  • Qualify for T. Rowe Price Select Client Services based on higher asset levels of $100,000 or more.
Low cost

We offer a wide range of low-cost, no-load investments. Keep in mind that an
IRA may be subject to an annual fee, and a fee may be assessed if the IRA is closed.

Disciplined investment approach

Rooted in proprietary research and carried out by experienced professionals.

Retirement Tools

We provide tools to help you meet your retirement goals:

1 Results will vary for other periods. All funds are subject to market risk, including possible loss of principal.

Rollovers and Transfers

It's really quite easy to roll over an old 401(k) or transfer an IRA to T. Rowe Price. We'll help.
Call a T. Rowe Price specialist at 800-332-6161 to get started or learn more about rollovers online.

Roth and Traditional IRAs

Roth IRA
  • Pay taxes now
  • Tax-free withdrawals of
    contributions anytime
Traditional IRA
  • Pay taxes later
  • Receive potential tax
    deductions now

Retirement Funds

Our professionally managed Retirement Funds offer a convenient way to get a diversified portfolio.
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Our flagship Retirement Funds seek to support withdrawals in retirement that could last 30 years or more. These funds offer higher potential long-term growth and volatility by maintaining an emphasis on stocks before and after the target retirement date.*
Select your birth year to find your Retirement Fund:

Mutual Funds

We offer more than 100 mutual funds to address your investing needs.
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Choose from our extensive range of no-load mutual funds. You decide:
  • Which individual investments combine to meet your investing needs
  • How to manage your portfolio to suit your personal style
Of course, be mindful of your changing risk tolerance as you age.
All mutual funds are subject to market risk, including possible loss of principal.

You're ready to open a
new IRA, if you:

Know which type - Roth or Traditional,
rollover, or transfer
Select mutual fund investments
for your IRA
Have a minimum contribution of $1,000

Open an IRA

You may be wondering...

We offer low-cost, actively managed mutual funds with no loads, commissions, or sales charges. Keep in mind that an IRA may be subject to an annual fee, and a fee may be assessed if the IRA is closed. Learn more about fees charged for the specific circumstances noted

Annual contribution limits for your combined IRAs are adjusted periodically by the IRS. You can contribute up to $5,500 ($6,500 if age 50 or older) in 2015 and 2016.

Our Automatic Asset Builder service (AAB) allows you to make recurring contributions of at least $100 directly into your mutual fund accounts. Log in to add or update automatic transactions.

If you are married and file a joint tax return, you can contribute to an IRA for your spouse in addition to your own IRA. Log in to get started.

You can take ownership of assets inherited from an IRA or employer-sponsored retirement plan, such as a 401(k), and roll it into your own IRA, provided you are a spouse beneficiary.

Non-spouse beneficiaries of an IRA or an employer-sponsored retirement plan, such as a 401(k), can roll over their inherited retirement account assets into an Inherited IRA.

Inherited IRAs must be established through a direct trustee-to-trustee transfer. If the beneficiary receives the distribution directly from the IRA or retirement plan, the money is not rollover eligible and may not be invested in an Inherited IRA.

This option extends to some beneficiaries the ability to spread distributions (and tax obligations) over the course of their lifetime, while keeping the balance invested in an IRA where it can potentially compound tax-deferred.

For assistance, call 877-200-5503.

$1,000 to open an account. $100 per transaction for any additional contributions which can be set up with our Automatic Asset Builder service.

Log in to get started. If you have an existing IRA with T. Rowe Price, once you log in, you can make contributions from your taxable accounts (accounts inside and out of T. Rowe Price).

Click here to convert your existing Traditional IRA now. You can convert all or part of a Traditional IRA into a Roth IRA regardless of your modified adjusted gross income (MAGI). You can also roll over assets from a previous employer's plan to a Roth IRA with no income limits. For additional assistance with your conversion, call 877-200-5503.

IRAs Simplified

IRAs Simplified

Think of an Individual Retirement Account (IRA) as a "package" for investments (like mutual funds) that provides the potential for tax-deferred growth—an advantage your savings may not receive in other accounts. Your IRA savings stay with you no matter how many times you change jobs.

*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. Diversification cannot assure a profit or protect against loss in a declining market.

*Based on cumulative total return, 34 of 36 (94%), 35 of 36 (97%), 35 of 36 (97%), and 20 of 20 of the Retirement Funds (including all share classes) outperformed their Lipper average for the 1-, 3-, 5-, and 10-year periods ended 12/31/15, respectively. Not all funds outperformed for all periods. (Source for data: Lipper Inc.)