Asset Allocation Planning & Management - T. Rowe Price

Asset Allocation Planning

T. Rowe Price understands that strong asset allocation planning is essential to long-term investing. We believe it is important to have a properly allocated portfolio that is adjusted over time as you approach your goal. However, diversification cannot assure a profit or protect against loss in a declining market. All investments involve risk, including possible loss of principal.

Why Asset Allocation Matters

Balance Risk

Asset allocation spreads your money among different types of investments (stocks, bonds, and short-term securities) so you can manage volatility and growth potential over time.

Provides a Foundation

Your asset allocation provides the framework for your investment strategy, which you can use to further diversify your holdings.

Use Morningstar®Portfolio Manager to monitor your portfolio's performance and view its underlying holdings with the onscreen X-Ray and Stock Intersection features.

Diversify your portfolio over

If you're already a T. Rowe Price customer,
log in today and use our Systematic Exchange Service to exchange from money market funds into stock and bond mutual funds on a consistent basis.*

The mutual funds referred to in this website are offered and sold to persons residing in the United States and are offered by prospectus and, if available, summary prospectus only; each includes investment objectives, risks, fees, expenses, and other information that you should read and consider carefully before investing. Click here to download a prospectus or summary prospectus.

The principal value of target date funds is not guaranteed at any time, including at or after the target date, which is the approximate date when investors plan to retire. These funds typically 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. In addition, the objectives of target date funds typically change over time to become more conservative.