Changing Jobs

If you’ve recently changed jobs, you’re likely facing some decisions regarding the money you’ve saved in your former employer’s retirement plan. While you have several options available to you when it comes to those assets, choosing a Rollover IRA can offer a wide range of benefits.

• A Rollover IRA May Be Your Best Option
• Why Roll Your Retirement Assets Over to T. Rowe Price?
• Manage Risk While Maximizing Reward Potential
• How to Select the Investments That Are Right for You

A Rollover IRA is a type of individual retirement account (IRA) designed especially for people who have savings in a former employer-sponsored retirement plan, such as a 401(k) or 403(b). There are a number of advantages that come with moving—or rolling over—your retirement assets directly into an IRA:

• You generally have a wider range of investment options and greater control over your savings.
• Your investment remains tax-deferred.
• A Rollover IRA generally offers increased flexibility for your assets, including penalty-free withdrawals for qualified higher education costs and qualified first-time home purchases.
• You gain the opportunity to consolidate your retirement assets into one place, which simplifies your investment management and reduces paperwork.
• You pay no taxes or penalties when you roll over.

Our EasyTransfer IRA Service takes most of the hassles out of moving an existing IRA to T. Rowe Price. We can:

• Help you pick the right investment strategy
• Take care of most of the paperwork

You also get the chance to invest in funds with proven performance and low cost. Rolling your retirement assets over to T. Rowe Price allows you to simplify your financial life while still maintaining a diversified portfolio.

If you are looking for a partner who will focus on your goals and help you maximize the earning potential of your retirement savings, consider T. Rowe Price. T. Rowe Price offers a strong performance record plus the guidance of professional investment specialists available by phone and at our regional Investor Centers.

Before you decide how to invest your savings, consider when you’re going to need the money. This is also known as your time horizon. Once you’ve determined the number of years you will be investing and how much fluctuation you can tolerate in the value of your savings, you can begin to choose an asset allocation strategy. This strategy will serve as a blueprint for the way you invest, guiding your decisions about how much of your savings to invest in stocks, bonds, and short-term investments.

Do your homework before selecting investments by following these steps:

1. Diversify by choosing an asset allocation strategy that takes your time horizon and risk tolerance into account. For example, if your time horizon is more than 10 years, you may want to consider investments that offer the strongest potential for growth, such as stock funds.
2. Review the T. Rowe Price investment options:
   
   • Learn more about T. Rowe Price funds
     You can choose from more than 70 no-load mutual funds appropriate for retirement investing.
   • Learn more about the T. Rowe Price Retirement Funds
     You may also want to consider one of the T. Rowe Price Retirement Funds. Each fund offers a diversified portfolio that is professionally managed to a specific retirement date. These funds are designed to help you meet your changing financial needs as you save for, approach, and live in retirement. Investing in the Retirement Funds is easy. Simply pick the fund closest to the year you expect to retire.