Is a Roth IRA right for me?
If you want a way to grow your spendable income for retirement, even during the years you can’t contribute, a Roth IRA could be a good choice.
A Roth IRA may be right for you if you are ...
Select your investments. Your way.
An IRA may be subject to an annual fee, and a fee may be assessed when an IRA is closed.
Build a portfolio with a Roth IRA.
Frequently Asked Questions
Grow your retirement with us.
The principal value of the Retirement Funds 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 fund. If an investor plans to retire significantly earlier or later than age 65, the funds may not be an appropriate investment even if the investor is retiring on or near the target date. The funds’ allocations among a broad range of underlying T. Rowe Price stock and bond funds will change over time. The funds 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 funds are not designed for a lump-sum redemption at the target date and do not guarantee a particular level of income. The funds maintain a substantial allocation to equities both prior to and after the target date, which can result in greater volatility over shorter time horizons.
*Past performance does not guarantee future results. 39 of our 56 retirement mutual funds had a 10-year track record as of 12/31/2024 (includes Investor, I Class, Advisor, and R Class Shares). 37 of these 39 retirement funds (94%) beat their Lipper average for the 10-year period. 38 of 56 (67%), 22 of 42 (52%), and 37 of 39 (94%) of the retirement funds outperformed their Lipper average for the 1-, 3-, and 5-year periods ended 12/31/2024, respectively. Calculations are based on cumulative total return. Not all retirement funds outperformed for all periods. (Source for data: Lipper Inc.)
**Consider 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.
All investments involve risk, including possible loss of principal.
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