Invest directly with us.
Get rewarded with exclusive client benefits.
As you save for retirement and other goals, you gain entry to more benefits to help you achieve better outcomes.
Here’s how the Summit Program works.
Most accounts qualify for the Summit Program.
To be eligible, each person in a Summit household must directly own a qualifying investment. Qualifying account types include:
Enjoy exclusive Summit Program benefits.
Enjoy more benefits as your Summit balance grows.
To see your current benefit tier, just log in to your account.
| Summit Program Benefits | General Services All investors |
Select Services $250,000 balance or more |
Personal Services $500,000 balance or more |
Enhanced Personal Services $1 million balance or more |
|---|---|---|---|---|
| $0 commission for online stock and exchange-traded fund (ETF) trading |
✓ | ✓ | ✓ | ✓ |
| Waived mutual fund account service fees for clients who elect for paperless delivery of statements and confirmations |
✓ | ✓ | ✓ | ✓ |
| Access to knowledgeable Financial Consultants and customer service representatives |
✓ | ✓ | ✓ | ✓ |
| Digital access to T. Rowe Price Insights on retirement and financial planning |
✓ | ✓ | ✓ | ✓ |
| Access to dedicated support from the life events team | ✓ | ✓ | ✓ | ✓ |
| Reduced Brokerage commissions and fees (see details on Brokerage fees) |
✓ | ✓ | ✓ | |
| Preferred access to closed funds* |
✓ | ✓ | ✓ | |
| Complimentary Morningstar Premium membership |
✓ | ✓ | ✓ | |
| Preferred access to I Class shares (minimum $50K+ per fund)* |
✓ | ✓ | ||
| Complimentary Kiplinger's Personal Finance magazine subscription |
✓ | |||
| Access to investing, retirement, college savings, and personal finance events featuring T. Rowe Price experts |
✓ |
Discover ways to earn more benefits.
We made it simple for you to move up to the next tier and maximize your benefits. Invest more, benefit more.
Frequently asked questions
How else can we help you?
1Trust accounts can be included in your Summit household if the Trustee‘s Social Security Number matches the Trust‘s Tax Identification Number and the Trustee is a natural person (non-entity). In all other scenarios, the trust account is placed in a Summit household by itself.
2As of 12/31/2024. This calculation is based on a hypothetical $500,000 investment in Investor Classes with an average expense ratio of 0.66% (for an annual cost of $3,300) versus I Classes with an average expense ratio of 0.50% (for an annual of cost of $2,500). These expense ratios are net of fee waivers. Fund expenses change over time; please refer to our mutual fund prospectuses for complete information about expenses, fees, and other information to consider before investing.
3Morningstar gives its best ratings of 5 or 4 stars to the top 32.5% of all funds (of the 32.5%, 10% get 5 stars and 22.5% get 4 stars) based on their risk-adjusted returns. The Overall Morningstar Rating™ is derived from a weighted average of the performance figures associated with a fund’s 3-, 5-, and 10-year (if applicable) Morningstar Rating™ metrics. As of 2/28/2025, 2 of 2 of our closed funds (Investor Class only) rated by Morningstar received an overall rating of 5 or 4 stars. Past performance cannot guarantee future results.
The Morningstar Rating™ for funds, or "star rating," is calculated for funds with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar risk-adjusted return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star.
Source for Morningstar data: ©2025 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete, or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.
4Consider all available options, which include remaining with your current retirement plan, rolling over into a new employer's plan or IRA, or cashing out the account value. When deciding between an employer-sponsored plan and IRA, there may be important differences to consider, such as range of investment options, fees and expenses, availability of services, and distribution rules (including differences in applicable taxes and penalties). Depending on your plan's investment options, in some cases, the investment management fees associated with your plan's investment options may be lower than similar investment options offered outside the plan.
Summit Program benefits may be provided through T. Rowe Price Services, Inc., or its affiliates.
T. Rowe Price Services, Inc., and T. Rowe Price Investment Services, Inc., are affiliated companies.
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