All T. Rowe Price Insights

Policy and philosophical differences between this year's presidential candidates were stark, and attempts to anticipate the impact of the 2024 election on the nation's economy and markets remain complex. Our panel of experts provide you with an early analysis of the 2024 U.S. elections and the potential impact on markets from economic, capital markets, and personal finance perspectives.

Extending tax cuts and an assertive approach on trade policy likely to be areas of focus.

The postelection shift from campaigning to governing can create uncertainty for markets.

Next president to decide if tough antitrust policy continues.

Economic growth resiliency to be tested, while new countries could start cutting interest rates.

Next president will determine whether financial regulators will mount up or stand down.

Anti-obesity medications could play a key role in balancing the food trilemma.

Presidential election will shape the pace of deglobalization.

The next U.S. president faces a significant fiscal cliff in his first 12 months in office.

The outcome of the presidential election could have important implications for U.S. energy policy.

Recent market volatility appears to reflect extreme risk-on sentiment and positioning.

As the economy walks a tightrope, here are some investment considerations.

U.S. economic growth has outperformed other developed markets, and inflation has been stickier.

First Quarter 2024

Inflation continues to fall, paving the way for more interest rate cuts from emerging markets.

Watch a thought-provoking conversation between T. Rowe Price experts in which they provide in-depth analysis of the major investment themes impacting our world today.

The economic distortions of recent years have produced tectonic shifts in the investment landscape.

Addressing the challenge of integrating climate change dynamics into investment decision-making.

When it comes to saving for college, it helps to make it a family affair.

Consider these points when developing a savings strategy for your child’s college education.

To make the most of the coming year, consider this month-by-month approach to tackling your financial priorities.

Factoring taxes into your investment strategy can help amplify your savings efforts.

What investors should know about the potential tax consequences of mutual funds.

A 529 account can be an attractive element in estate planning.

From how much to contribute to considerations for investing the money, here's how to use the account to save on your tax bills.

Make saving easier and help reduce financial stress by considering these steps.

T. Rowe Price research reveals how workers and retirees assess the value of the advice they receive from financial professionals.

When it comes to protecting yourself from cyberfraud, knowledge is the key to prevention.

Our latest study revealed behaviors that might help spenders save.

Making strategic choices about how you donate can help make the most out of your contributions.

A coordinated plan to tackle the costs of college can provide you with peace of mind as your child marches toward graduation.

Instead of taking money out of the stock market, sticking to a long-term plan is generally the best move.

Consider these five ways to be better prepared during periods of stock market volatility.

How changes to 529 plans over the past several years could impact your college savings strategy.

Trusts, when designed and implemented appropriately, can serve as an important component of a successful estate plan.

Holding too much of one company’s stock can create more risk in your portfolio than you might realize.

Form a path toward financial sustainability and independence by advocating for yourself and your family.

If you are offered a high-deductible health plan with a health savings account (HSA), it’s important to understand both the insurance itself and the potential financial benefits of an HSA.

Understanding the differences between these two types of funds can help you decide which one may best align with your goals.

Reviewing your portfolio as a household can help reveal unintended overlap and ensure that you’re on track.

Holding too much of one company’s stock can create more risk in your portfolio than you might realize.

Create an estate plan that benefits your heirs.

Talking with your adult children about your future can benefit the whole family.

How families can bridge the gap between the cost of attending college and what families can afford to pay.

Saving in a money market fund could be beneficial for your short-term financial goals.

There are advantages to letting technology help you maintain an appropriate level of risk in your portfolio.

Beneficiaries of 529 plans can get a jump on retirement if funds are not needed to cover education costs.

A 529 plan can be useful whether your child attends college or pursues a non-college path.

Deciding how much to save for a child’s education and when to start saving are important steps in developing a college savings plan.

No matter the size of your estate, it’s important to have a plan in place to protect your family.

Investing in an HSA has great tax benefits—if the insurance coverage makes sense.

Separating premiums and out-of-pocket costs makes it easier to plan for expenses.

Separating estimates for annual premiums and out-of-pocket costs makes planning easier.

Grandparents can select savings strategies and tools to make their gifts go further.

Having accessible cash for financial emergencies or general spending can help keep your financial goals on track and offer some peace of mind.

You have until April 15, 2024, to make contributions that could help lower your taxable income for 2023.

There are multiple strategies and accounts that can be used for gifting money to children.

How to protect your family from financial disruptions.

Make the most of a bonus, an inheritance, or another type of cash lump sum with these helpful strategies.

With 2023 behind us, it may be a good time to revisit your financial goals.

While discussing budgets and savings goals may not seem romantic, they are important conversations couples should have on a regular basis.

Retirement contribution limits, tax rates, and more information to keep in mind throughout 2024.

Once you turn age 73, you will need to take required minimum distributions (RMDs) from most retirement accounts, whether you need the money or not.

These approaches can extend the life of a portfolio and preserve assets for heirs.

The amount of your benefits in retirement will depend on a few key factors.

Our Retirement Funds have a history of delivering more for investors.

Most investors should aim for a good score rather than a perfect one.

It’s important to establish a formal retirement withdrawal strategy leading into retirement.

How you can use the complicated rules of Social Security to your advantage.

With proper preparation, early retirement could be an option for investors at a variety of income levels.

The SECURE Act changed distribution rules for Inherited IRAs, limiting the option to “stretch” withdrawals.

Generative artificial intelligence can add value for clients, while guardrails help to safeguard information.

Your Social Security benefits are likely an important part of your retirement income plan, so choose your timing wisely.

While significant market downturns can cause distress, you may find comfort in knowing that just a couple years of patience and spending adjustments could go a long way toward your overall retirement success.

Understanding survivor benefits rules can help you make better decisions.

Plan ahead to keep Social Security income from raising your marginal tax rate.

Understanding the rules for required minimum distributions can help you plan ahead to manage taxes.

Rules and strategies that a surviving spouse should consider to maximize lifetime Social Security benefits after the death of a spouse.

Rules and strategies that should be considered before singles claim their benefits.

Rules and strategies that should be considered before couples claim their benefits.

Rules and strategies that should be considered before divorcees claim their benefits.

Steps to help you connect the nonfinancial aspects of retirement to your financial planning.

These recommendations can help put baby boomers on the right track for the future.

Consider the full picture when deciding whether to hold on to your taxable investments.

Moving assets to a Roth IRA can provide more income flexibility in retirement.

These key considerations can help you decide whether to roll your 401(k) assets into an IRA or leave them in place.

How to get ready for retirement.

Based on research originally published in the Journal of Financial Planning.

Millions of retirees have returned to work in search of financial and emotional benefits.

This strategy could reduce your taxes over the long term.

Determine your income replacement rate to help you better plan for retirement.

While many investors know they should be saving more for retirement, they’re often confounded by the less commonly addressed question, “How”?

Knowing your spending and saving preferences in retirement can help you build a plan tailored to your needs.

Our 2024 U.S. retirement outlook explores how these topics may shape the retirement landscape in the coming years.

Investors may need to temper their expectations for the Fed to boost U.S. growth in 2025.

Three special factors may help the U.S. economy avoid a recession.

An analysis of prior rate-cutting cycles suggests that some performance concerns about stocks, bonds, and cash may be overblown.

Challenging assumptions about a misunderstood sector.

The Fed’s September rate cut reduced the risk of a recession. High yield bonds may benefit.

The Federal Reserve appears ready to cut rates. Job growth will be key for how stocks perform.

How much should investors worry about the ballooning U.S. government debt?

Can levels of profitability and efficiency of U.S. tech companies be sustained?

Five ways to become an effective leader in money management.

The Fed appears ready to cut interest rates despite loose financial conditions, but investors should be careful.

iT. Rowe Price's active management approach has added value for target date investors.

Eleven of our Retirement Funds beat passive competitors from inception through December 31, 2023..

Changing market conditions will provide new risks and opportunities.

Diverging trends in goods and services prices complicate the inflation outlook.

On the Asset Allocation Committee (AAC), we like value stocks as a tactical trade for the next six to 12 months. Macro, fundamental, and sentiment catalysts support the valuation case.

We may be on the cusp of another period of strong commodity returns.

Asset allocation strategies offer opportunities as investors consider ways to move portfolio cash off the sidelines.

Non-U.S. bonds currently offer higher yields on a currency-hedged basis.

Higher real rates in the coming years might favor value stocks.

History shows that momentum-driven markets don’t necessarily lead to market downturns.

Recession fears are fading, but inflation concerns are on the rise.

Reasonable valuations could provide an upside surprise.

Will small-caps eventually “show up” for investors?

A simple model can explain how earnings will respond to changes in the health of the economy.

Identifying pockets of value in a momentum-driven market.

Farris explains what makes him tick as a portfolio manager and how he and David Giroux run the fund.

A focus on bond yields, the Magnificent 7, and the Fed pivot.

Regime change in markets may signal the end of U.S. dominance.

Cheap valuations and an improving outlook favor small-caps, but high rates are problematic.

The Magnificent 7 have distorted U.S. equity valuations.

Income and growth attributes support the case for redeploying cash into bond markets.

There are signs that the negative correlation between Treasuries and risk assets is returning.

Our active management approach benefited clients over the long term.

Higher Treasury yields expected due to fiscal spending and Fed quantitative tightening.

Discover how the Fed’s rate cut could impact your investment strategy.

Discover how rising AI energy demands are reshaping independent power producer credit ratings.

Artificial intelligence drives demand for data center ABS and CMBS investments.

Blue bonds could boost sustainability efforts in emerging markets.

Rise in nonbank lending drives banks to shift risk exposure.

A review of the opportunity for investors in municipal bonds amid 2024’s market environment.

Headwinds call for considering credit solutions with rigorous research.

Low duration bond strategies could earn increased yield with reduced interest rate sensitivity.

Ignore the noise. Very little has actually changed.

Income and growth attributes can help investors put cash to work.

Five reasons to add emerging market debt to a bond portfolio.

Corporate bonds offer attractive income, but security selection is imperative amid headwinds.

Blue bonds need to be evaluated with additional rigor to mitigate against bluewashing risks.

Blue bonds provide financing for ocean-friendly or clean water projects in support of the blue economy.

I think core inflation will reaccelerate after falling to around 2%.

Historical performance of federal funds interest rate cycle peaks could help investors decide when to reinvest cash.

New U.S. regional bank debt can lower the odds of a default and help reduce the cost of a failed bank, but this requires holders to discipline riskier banks.

Why we believe the energy productivity cycle is turning and the opportunities this could create.

We explore three possible scenarios as U.S. interest rates peak.

With yields in many credit areas near multi-decade highs but credit spreads quite narrow, we lean heavily on the work of our global team of credit analysts.

Blue bonds provide financing for ocean-friendly or clean water projects in support of the blue economy.

A framework can be useful for evaluating whether U.S. Treasury yields have peaked.