Retirement investment solutions
Better plans start with better solutions
Help clients thrive with defined contribution investments that maximize opportunities for success in retirement plans.
At a glance
of the firm’s AUM are represented by defined contribution assets1
years of experience delivering target date solutions
years managing stable value assets
We’re committed to your success
With retirement at the heart of your practice, it makes sense to partner with a defined contribution leader.
Solutions that match client needs
Choose from a full range of retirement products to meet evolving client needs—including target date, stable value, collective investment trust, and mutual fund solutions.
Partnership designed with you in mind
Generate sales ideas, build industry expertise, and help your clients fulfill their fiduciary responsibilities and improve participant outcomes with our broad range of tools and resources.
An active approach to help you navigate change
Our 30+ years in the retirement arena, commitment to proprietary research, and active, independent approach allow us to keep a long-term view in up and down markets.
Our thoughts on the issues that matter most to you
Implementing an in-plan retirement income solution
We’re seeing a shift toward evaluating both the saving and spending phases in retirement plan objectives. Gain insight with five key lessons from plan sponsors and consultants.
Defined contribution consultant study
Timely proprietary research guides this discussion on financial wellness, investment insights, qualified default investment alternatives, and retirement income.
Retirement Funds: Seeking better outcomes for clients
Our solutions combine a consistent investment approach and cutting-edge innovations to help achieve a singular goal: better investor outcomes.
A defined contribution leader with deep expertise
You need a partner who can help you navigate the evolving retirement landscape. With 67% of our assets under management held in retirement accounts,1 our experience runs deep.
in target date assets2
in stable value AUM3
A broad range of solutions designed with clients in mind
Align your clients’ retirement needs with thoughtful solutions—including our target date suite, collective investment trusts (CITs), mutual funds, and long-standing stable value strategy.
Explore our target date products and deepen understanding with target date education resources.
Target date solutions
Offering both active and active/passive blends, as well as a choice of outcome-based glide paths, our target date funds are designed to help address diverse retirement objectives ahead of and throughout retirement.
How active management has benefited our target date funds
Learn how our active management approach adds value for investors.
How we design a blend solution for target date investors
Mixing active and passive investments in a target date solution.
Explore our stable value strategy and build knowledge with stable value education resources.
Stable Value Common Trust Fund
Incepted in 1988, our stable value strategy remains a popular option for investors seeking principal preservation, income, and competitive yields—and is increasingly being used in new ways within retirement solutions.
Stable value: Why stay the course through the rate cycle?
Find out why many plan sponsors have chosen to stay the course.
Stable value capabilities
Learn about the advantages of the T. Rowe Price Stable Value Strategy.
Learn more about our CIT and mutual fund lineups.
Collective investment trusts (CITs)
Since 1984, our CITs have been helping retirement clients seek better outcomes. CITs may offer lower fees and added flexibility and transparency—making them a potentially attractive alternative to mutual funds in retirement plans.
Mutual funds
With our active, independent approach to management and history of outperformance, T. Rowe Price mutual funds can help clients and investors feel more confident in meeting their retirement objectives.
Tools and resources to power your practice
Visualize Retirement
Help clients visualize and prepare for the nonfinancial aspects of retirement with this practice management program.
Five guiding fiduciary principles
Don’t miss these tips on monitoring investment options and assessing active strategies within a client’s plan lineup.
Constructing more effective plan lineups
Explore three key areas of consideration that defined contribution plan sponsors face when constructing investment lineups.
Explore more retirement resources
Participant education
Learn how we can support your plan participants’ financial education to help them pursue their best outcomes—in retirement and in life.
Asset Allocation Viewpoints
In the current investing environment, discover how our Asset Allocation Committee is positioning its portfolios.
Investment and plan analysis
Benchmark and compare investments or examine plan-specific trend information with our suite of reporting capabilities.
Partner with us
Defined Contribution Investment Only
Retirement Plan Services
Advisor Services
Important Information
1As of June 30, 2024.
2Combined target date portfolios include assets managed by T. Rowe Price Associates, Inc. and its investment advisory affiliates as of June 30, 2024. T. Rowe Price Trust Company, as trustee for the T. Rowe Price Common Trust Funds (“Trusts”), has retained the services of T. Rowe Price Associates, Inc. and/or its investment advisory affiliates to assist it in the investment of assets of the Trusts. Figures above include Trusts’ assets.
3As of September 30, 2024.
This material is provided for general and informational purposes only and is not intended to provide legal, tax, or investment advice. This material does not provide recommendations concerning investments, investment strategies, or account types; it is not individualized to the needs of any specific investor and not intended to suggest any particular investment action is appropriate for you, nor is it intended to serve as the primary basis for investment decision-making.
Risk Considerations:
All investments are subject to market risk, including the possible loss of principal. The principal value of the Retirement Strategies and the Target Strategies (collectively, the “target date strategies”) is not guaranteed at any time, including at or after the target date, which is the approximate year an investor plans to retire (assumed to be age 65) and likely stop making new investments in the strategies. If an investor plans to retire significantly earlier or later than age 65, the strategies may not be an appropriate investment even if the investor is retiring on or near the target date. The target date strategies' allocations among a broad range of underlying T. Rowe Price stock and bond strategies and derivatives will change over time. The Retirement Strategies 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 on supporting an income stream over a long-term postretirement withdrawal horizon. The Target Strategies emphasize asset accumulation prior to retirement, balance the need for reduced market risk and income as retirement approaches, and focus on supporting an income stream over a moderate postretirement withdrawal horizon. The target date strategies are not designed for a lump-sum redemption at the target date and do not guarantee a particular level of income. The key difference between the Retirement Strategies and the Target Strategies is the overall allocation to equity; although they each maintain significant allocations to equities both prior to and after the target date, the Retirement Strategies maintain a higher equity allocation, which can result in greater volatility over shorter time horizons. Derivatives may be riskier or more volatile than other types of investments because they are generally more sensitive to changes in market or economic conditions.
Diversification neither assures a profit nor eliminates the risk of experiencing investment losses.
The T. Rowe Price common trust funds (Trusts) are not mutual funds; rather, the Trusts are operated and maintained so as to qualify for exemption from registration as mutual funds pursuant to Section 3(c)(11) of the Investment Company Act of 1940, as amended. The Trusts are established by T. Rowe Price Trust Company under Maryland banking law, and their units are exempt from registration under the Securities Act of 1933. Investments in the Trusts are not deposits or obligations of, or guaranteed by, the U.S. government or its agencies or T. Rowe Price Trust Company and are subject to investment risks, including possible loss of principal. Although the T. Rowe Price Stable Value Common Trust Fund seeks to preserve the value of your investment at $1.00 per unit, it cannot guarantee to do so. It is possible to lose money by investing in the Trust.
Differences between compared investment vehicles may include investment minimums, objectives, holdings, sales and management fees, liquidity, volatility, tax features, and other features, which may result in differences in performance.
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