All T. Rowe Price Accounts
Let’s find the account you’re looking for. Browse our full range of personal investing account options that can help you stay focused on your long- and short-term goals.
Questions? Call a Financial Consultant at 1-855-793-6611.
Retirement
Created by the IRS, retirement accounts are most utilized later in life and are considered “tax-advantaged”. Different accounts offer opportunities to reduce your taxable income, make tax-free withdrawals once you reach age 59½, or take advantage of tax-deferred growth on your potential earnings.
Traditional IRA
In a Traditional IRA, all or part of your contributions may be tax-deductible, which may reduce your taxable income each year you make a contribution.
Roth IRA
In a Roth IRA account, contributions are not tax-deductible, investments grow tax-deferred, and qualified withdrawals are tax-free.
Rollover IRA
Convert assets from an old employer-sponsored plan into a Traditional IRA.
Inherited IRA PDF
Open a new account to manage assets gained through inheriting a Traditional IRA.
Inherited Roth IRA PDF
Open a new account to manage assets gained through inheriting a Roth IRA.
Looking to transfer assets from another institution?
Brokerage Retirement Accounts
Open a tax-advantaged brokerage retirement account to invest in our ETFs and non-T. Rowe Price securities.
Brokerage Traditional IRA
A Traditional IRA through our brokerage platform, contributions and earnings are taxed as ordinary income once they are withdrawn.
Brokerage Roth IRA
A Roth IRA through our brokerage platform, contributions on Roth IRA are not tax-deductible but qualified withdrawals are tax-free.
Brokerage Rollover IRA
A Rollover IRA through our brokerage platform, enabling investments in funds other than our own.
Brokerage Roth Rollover IRA
A Rollover Roth IRA account through our brokerage platform, enabling investments in funds other than our own.
Brokerage Inherited IRA PDF
Open a new account to manage an inherited traditional IRA through our brokerage platform.
Brokerage Inherited Roth IRA PDF
Open a new account to manage an inherited Roth IRA through our brokerage platform.
Retirement Accounts for Small Businesses and Self-employed Individuals
Individual 401(k)
A tax-advantaged 401(k) plan that allows individual business owners (and spouse working for the business) the opportunity to save for their retirement.
SEP-IRA
A Simplified Employee Pension Plan, used for small-business owners to provide retirement benefits for themselves and their employees.
SIMPLE IRA
A Savings Incentive Match Plan for Employees (SIMPLE) IRA is a tax-deferred employer-provided plan that allows both employer and employee to make contributions.
Small Business 401(k)
A retirement plan with employee and/or employer contributions, allowing both to maximize tax deductions and tax-deferred savings.
Build an investment portfolio your way.
Choose T. Rowe Price mutual funds or open a brokerage account to invest in our ETFs and non-T. Rowe Price securities. Learn more about the differences and which account type might be right for you.
Brokerage or mutual fund account? It depends on which investments you want.
At T. Rowe Price, you can invest directly in our proprietary mutual funds. You can also choose an account through our brokerage platform that allows you the flexibility to invest in our ETFs and non-T. Rowe Price securities.
For many account types, you can have both a T. Rowe Price proprietary fund account as well as a brokerage---such as a Roth IRA (T. Rowe Price mutual funds only) and a Brokerage Roth IRA (stocks, bonds, ETFs, and more outside of T. Rowe Price).
General Investing
General Investing accounts can have one or multiple owners and feature low fees, flexible access to your investments, and no contribution limits or mandatory withdrawals. These accounts are considered “taxable” rather than “tax-advantaged”, meaning you pay taxes on the earnings annually as your assets fluctuate.
Brokerage General Investing Accounts
Open a taxable brokerage General Investing account to invest in our ETFs and non-T. Rowe Price securities.
Save For Education
Education savings plans are a tax-advantaged way to save for education. Withdrawals that are used for qualified education expenses are tax-free and any earnings grow tax-deferred. Save for your own education or someone else’s and use the assets for college, technical training, apprenticeships, K-12 education or student loan repayment.2 There is no age limit for the beneficiary and beneficiaries can be transferred.
1Consider 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.
2While distributions from 529 college savings plans for elementary or secondary education tuition expenses are federally tax-free, state tax treatment will vary and could include state income taxes assessed, the recapture of previously deducted amounts from state taxes, and/or state-level penalties. You should consult with a tax or legal professional for additional information.
3Earnings include realized gains and other taxable fund distributions, including dividends and capital gains.