Roth IRA
Get a head start on retirement with a Roth IRA
With a Roth IRA, investing today could result in tax-free withdrawals in retirement.
Looking for tax-free income in retirement? Look no further.
With a Roth IRA, you can withdraw your money, anytime, without taxes or penalties, once you reach age 59 ½ and have had the account five years or more.
A Roth IRA may be right for you if you are...
Wanting more spendable income
The sooner you start contributing, the longer your contributions will have to compound tax-deferred, and the more spendable income you may have in retirement.
Needing flexibility
Generally withdraw your money, anytime, without taxes or penalties, if you are over age 59½ and have had the account five years or more. If you don't meet this requirement, withdrawals could incur taxes and/or penalties on earnings.
Currently in a lower tax bracket
If you expect your income (and tax rate) to increase over time, contributing now means you’ll pay a lower tax rate and pay no taxes on qualified withdrawals* when you retire.
Nearing retirement
If you’re worried about required minimum distributions (RMDs) bumping you into a higher tax bracket, qualified distributions* from a Roth IRA do not raise your tax rate.
Ready to invest at least $1,000
You can make contributions at any age if you have taxable compensation for the year and are below eligibility income limits.
Not sure if a Roth IRA is right for you?
It starts with understanding the differences.
The T. Rowe Price difference
When you invest directly with us, you’ll discover a world that focuses on keeping your expenses low so more of your money works for you.
Performance
90%+
Over 90% of our Retirement Funds with a 10-year track record beat their 10-year Lipper average as of 12/31/2024.1
Value Oriented
90%+
More than 90% of our mutual funds for individual investors have gross expense ratios below their peer category average.2
Sales Commissions
0%
Our associates are salaried professionals with no sales commissions or quotas—so you can be confident that your needs come first.
Grow your retirement with us with these next steps
Get started on your retirement today
Invest now for potential tax-free income in retirement.
Questions?
Speak with one of our trusted financial consultants.
Monday–Friday, 8 a.m.–8 p.m. ET
Ready to explore Roth IRAs?
Talk with a financial advisor about how a Roth IRA may fit into your retirement plan.
*A qualified distribution from a Roth IRA is tax-free if taken after the 5-year period beginning with the first tax year for which a Roth contribution was made and you’ve reached age 59½, become disabled, died or meet the requirements for a first time home buyer
The performance data shown is past performance and is no guarantee of future results. All investments are subject to risk, including the possible loss of principal. Results from other time periods may differ.
(1) 39 of our 56 retirement 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.)
(2) Source: Lipper Inc. 140 of 153 of our Investor Class mutual funds (excludes mutual funds not available for direct purchase) more than 6 months old had gross expense ratios below their Lipper averages based on fiscal year-end data available as of 12/31/2024.
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Get a head start on retirement
Questions? Call us at 1-866-672-6275.