CLOSING BELL

FuturePathSM:
A Powerful Retirement Resource

T. Rowe Price combined complex modeling and real-life experiences to help investors improve their probability of meeting future financial goals as they transition to retirement.

simple fact informed the development of FuturePathSM—life is not linear, and the best financial planning accounts for unexpected events and shifts in goals. Face-to-face meetings with preretirees helped the
T. Rowe Price team create a resource that is simple to use and allows investors to ask "what if" questions and see how a wide variety of actions— including saving more or less, working longer or retiring earlier, or delaying or taking Social Security benefits—could change their future. Your retirement goals are tested against 1,000 different market scenarios to calculate the percentage of times retirement savings would last under these simulated conditions. The work isn't over: The development team continues to expand and fine-tune the resource with help from those using and benefiting from it. BHS

Your Confidence Score is calculated on a 100-point scale and reflects two fundamental questions about retirement every investor should ask.

See Bring Your Future Into Focus for information on FuturePathSM and how it works.

Note: Clients whose relationships with T. Rowe Price are limited to certain accounts, such as some employer-sponsored retirement plans, will not yet be able to access FuturePathSM.

Give Us Your Feedback
Please provide us with your comments after you go through your own FuturePathSM experience.

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.