@ T. Rowe Price

T. Rowe Price Introduces the New
Social Security Benefits Evaluator

T. Rowe Price Connections

Recognizing the need for investors to understand how Social Security fits into their overall retirement income strategy, T. Rowe Price created the Social Security Benefits Evaluator.

The benefits calculator is designed to help you choose a goal for your income from Social Security and offers a strategy for when and how to take benefits to achieve that goal. It also estimates your Social Security benefits and provides you with actual retirement income projections and cumulative totals for each strategy.

Read more about Social Security benefits in Projecting Your Social Security Benefits.

T. Rowe Price Funds Named in "Money 70®"

MONEY® Magazine included nine T. Rowe Price mutual funds on its list of 70 "recommended" funds to help you reach your long-term financial goals. MONEY selected these funds based on fees, stewardship, experienced managers, and performance.

  • Blue Chip Growth (TRBCX)
  • Capital Appreciation (PRWCX)
  • Diversified Mid-Cap Growth (PRDMX)
  • Emerging Markets Stock (PRMXS)
  • Equity Income (PRFDX)
  • International Discovery (PRIDX)
  • New Era (PRNEX)
  • Small-Cap Value (PRSVX)
  • Retirement Funds1

In determining the funds on the Money 70, the staff of MONEY Magazine based its decision on each fund's fees, stewardship, experienced managers, and performance. The ending date for performance was 12/10/12.

1 The 11 T. Rowe Price target date retirement funds are counted as one fund on this list. (The T. Rowe Price Retirement Income Fund is not considered a target date retirement fund.) All mutual funds are subject to market risk, including possible loss of principal. Past performance cannot guarantee future results. Fund returns have been affected by market volatility and are negative for certain periods.

From MONEY® Magazine, January/February ©2013 Time Inc. MONEY and MONEY 70 are registered trademarks of Time Inc. and are used under license. MONEY and Time Inc. are not affiliated with, and do not endorse products or services of, T. Rowe Price.

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100% of T. Rowe Price Retirement Funds beat their 5-year Lipper average as of 3/31/13*

T. Rowe Price Retirement Funds are actively managed to offer an appropriate asset allocation for your time horizon with automatic rebalancing. Low expenses, no loads, no commissions, and no additional management fees are features of the funds.

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. Past performance cannot guarantee future results.

*Based on cumulative total return, 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. (Source for data: Lipper Inc.)

PHOTOGRAPHS FROM GETTY IMAGES
1Your savings rate depends on your age and the current size of your nest egg.
2Christine Fahlund, CFP®, a senior financial planner with T. Rowe Price, explains what "successful" retirements have in common.
3David Giroux, portfolio manager
of the T. Rowe Price Capital Appreciation Fund (PRWCX).
4Portfolio Manager Ray Mills and his team search for companies in foreign markets that are undervalued.
5With the economy recovering, interest rates are likely to rise in the future. What does this mean for investors?
6Having the right type and amount of coverage is central to protecting your family's financial well-being.
6The new Social Security Benefits Evaluator; T. Rowe Price named in "MONEY 70®;" and more.
8In developing FuturePathSM,
T. Rowe Price combined complex modeling with real-life experiences.
9The changes in tax law have prompted many investors to consider the benefits offered by municipal bonds.
12Four action steps that can strengthen your financial position and help you reach your retirement goals.
11Compounding over time helps
generate wealth.