Investment Allocation Tool FAQ

The Investment Allocation Tool is a non-discretionary service designed to provide a point-in-time investment allocation recommendation of a T. Rowe Price fund or portfolio of T. Rowe Price funds based on your investment goals, time horizon and risk tolerance. 

How it works:

• Answer a few questions about your time horizon, investing preferences, risk tolerance, and objectives.
  
• Get a recommendation for an asset allocation and T. Rowe Price mutual funds based on your responses.

Your recommendation could include one or more of the following T. Rowe Price funds:

Funds used in multi-fund portfolios
Global Multi-Sector Bond Fund, Growth Stock Fund, Limited Duration Inflation Focused Bond Fund, New Income Fund, QM U.S. Small and Mid-Cap Core Fund, Spectrum Diversified Equity Fund, Spectrum International Equity Fund, U.S. Treasury Money Fund, Value Fund

Single funds with dynamic asset allocations
Retirement 2005, Retirement 2010, Retirement 2015, Retirement 2020, Retirement 2025, Retirement 2030, Retirement 2035, Retirement 2040, Retirement 2045, Retirement 2050, Retirement 2055, Retirement 2060, Retirement 2065

Single funds with static asset allocations
Spectrum Conservative Allocation Fund, Spectrum Diversified Equity Fund, Spectrum Income Fund, Spectrum Moderate Allocation Fund, Spectrum Moderate Growth Allocation Fund, U.S. Treasury Money Fund

There are no additional advisory fees or commissions for this service. If you decide to implement the recommendation, you will pay the expenses of the underlying T. Rowe Price funds in which you invest. These are the same expenses that all fund shareholders pay.

Yes. The recommendation you receive will be based solely on your input at the time of your use of the Tool. You may re-engage with the tool at any time for another recommendation.

Yes, you can contact us if you have questions or need help.

Call 1-800-831-1433 weekdays between 8 a.m. and 8 p.m. ET.

Investing for the purpose of accumulating assets to be used during retirement.

Investing for the purpose of accumulating assets and/or generating income to be used for a goal other than retirement.

Your asset allocation spreads your money among different types of investments (stocks, bonds, and short-term securities) so you can manage volatility and growth potential over time. Your asset allocation provides the framework for your investment strategy, which you can use to further diversify your holdings. T. Rowe Price believes that strong asset allocation planning is essential to long-term investing. A diversified and properly allocated fund or portfolio combines a variety of asset classes that can achieve an appropriate return over time for a given level of risk.. The Investment Allocation Tool recommends an asset allocation consisting of a T. Rowe Price mutual fund or funds.

Dynamic Asset Allocation is an allocation based on your age and expected retirement date that has a mix of stocks and bonds that will automatically adjust to be more conservative over time.

Static Asset Allocation is an allocation that aligns with your risk tolerance and time horizon and has a mix of stocks and bonds that will remain the same over time.