Open an IRA. Let's get started.

Contributing to a new IRA?

Select the type you would like.

 

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

Select your source.

Investing for Retirement

SAVE SMART WITH AN IRA

What sets us apart

Choose your IRA

Select a Retirement Fund

Open your IRA

 

We help investors like you
stay confident.

 

Investment approach

Our disciplined investment approach is rooted in proprietary research and carried out by experienced professionals.

Proven performance

Such as 100% of our Retirement Funds beat their 10-year category averages as of 12/31/14,1 We also offer over 100 no-load mutual funds. Of course, past performance cannot guarantee future results.
 

Low costs

We offer a wide range of low-cost, no-load investments to choose from, so more of your money goes to work for you. Keep in mind that an IRA may be subject to an annual fee, and a fee may be assessed if the IRA is closed.

Guidance & convenience

We make it easy to open an account, access practical information, and get help from knowledgeable Investment Specialists.
1 Results will vary for other periods. All funds are subject to market risk,
including possible loss of principal.

Roth IRA or Traditional IRA?

To determine which IRA is best, consider this. If you are
  • under age 40
  • earning income under $131k per year, or $193k jointly*
  • looking for flexible, tax-free earnings
a Roth IRA may be right for you. You’ll pay taxes up front and withdraw
your contributions and any potential earnings tax-free in retirement.

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. Learn more about rollovers.

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

Considerations for a Roth IRA conversion

  • Roth IRAs have no distribution requirements.
  • You may potentially reduce or eliminate the taxes your beneficiaries will have to pay after inheriting.
  • When converting to a Roth IRA, a key consideration is whether to pay taxes now in order to provide tax-free income potential in the future.

For assistance, call 877-200-5503.

Contributions are generally permitted regardless of whether your spouse earns any income or is eligible to participate in an employer-sponsored retirement plan, such as a 401(k).

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 800-267-1395.

You may be wondering...

Log in to get started. If you have an existing IRA with T. Rowe Price, you can move funds from outside accounts, depending on your situation.

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 2014 and 2015.

Our Automatic Asset Builder service (AAB) lets you to make recurring contributions of at least $100 directly into your mutual fund accounts. Our IRA AutoMax service helps maximize your IRA contributions each year—automatically. Just designate regular contributions until you reach the allowable limit. Log in to add or update automatic transactions.

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.

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

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 assistance, call 877-200-5503.

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.

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 be 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, 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 Balanced 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. 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.)