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IRA

T. Rowe Price offers a diverse array of investment options to help you customize a plan to achieve your retirement goals. To open an IRA and build a portfolio from our full range of funds, please select the Roth IRA or Traditional IRA tabs below. To find out which type of IRA is right for you, use our Roth IRA vs. Traditional IRA selection tool.

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 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 to address your specific investing needs.
Discover the Amazing IRA
Explore the basics of IRA investing with an informative infographic that helps put you on the path to a successful retirement.
 The Amazing IRA

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, 119 of 181 (66%), 125 of 172 , 130 of 160, and 89 of 111 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 3/31/13, respectively; 12 of 12, 12 of 12, 12 of 12, 5 of 5, and 7 of 7 of the Retirement Funds for individual investors outperformed their Lipper average for the 1-, 3-, 5-, and 10-year, and since-inception periods ended 3/31/13, 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 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).