We offer two target date solutions to give you and your clients the ability to select the one that best aligns with your needs. Each solution offers a one-step, professionally diversified portfolio with an asset allocation that continues to shift for 30 years after the target retirement date.
10 Year Lipper Average
*Past performance cannot guarantee future results. Results will vary for other periods.
Target Date Portfolio Design
To Versus Through
Target Date Evaluation
New and Noteworthy
Target Date Funds
- Accumulation of Wealth Prior to Retirement
- Conversion of Wealth to Income During Retirement
- Longevity Risk
- Inflation Risk
- Market Risk
The glide path has a higher equity allocation to address inflation and longevity risks.
The glide path has a more moderate equity exposure to address market risk.
In determining the funds on the Money 50TM, the staff of MONEY® Magazine based its decision on each fund’s fees, stewardship, manager tenure, and performance. The ending date for performance was 12/8/14. Note: The 13 T. Rowe Price target date Retirement Funds are counted as 1 fund on this list. (The T. Rowe Price Retirement Balanced Fund is not considered a target date retirement fund.) From MONEY® Magazine, January/February 2015© Time Inc. Used under license. MONEY® is a registered trademark of Time Inc. and is used under license. MONEY® and Time Inc. are not affiliated with, and do not endorse products or services of, T. Rowe Price.
20 of our 36 Retirement Funds had a 10 year track record as of 9/30/16. (Includes all share classes.) All 20 of these 20 funds (100%) beat their Lipper averages for the 10 year period. 36 of 36, 36 of 36, and 36 of 36 of the Retirement Funds outperformed their Lipper average for the 1-, 3-, 5-year periods ended 9/30/16, respectively. Calculations based on cumulative total return. Not all funds outperformed for all periods. (Source for data: Lipper Inc.)
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.