Build a portfolio with a Roth IRA.
Diversified investments
The Retirement Funds invest in a highly diversified lineup of specially selected T. Rowe Price funds. The overall mix of stocks and bonds changes over time to a more conservative allocation.
Historically strong long-term risk-adjusted returns
Invest in funds that beat the average. Over 95% of our Retirement Funds with a 10-year track record beat their 10-year Lipper average as of 6/30/2024.*
Thoughtful risk management
Our portfolio managers focus on carefully balancing market, inflation, and longevity risks—striving to help you build your retirement savings to last over the long term.
Frequently Asked Questions
Annual contribution limits for your combined IRAs are adjusted periodically by the IRS. You can contribute up to $6,500 ($7,500, if age 50 or older) for 2023 and $7,000 ($8,000, if age 50 or older) for 2024.
OurAutomatic Buyservice allows you to make recurring contributions of at least $100 directly into your mutual fund accounts.
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Investing a consistent amount cannot assure a profit or protect against loss in a declining market. Since such a plan involves continuous investment in securities regardless of fluctuating price levels, investors should consider their financial ability to continue purchases through periods of low and high price levels.
If you are married and file a joint tax return, each spouse can make a contribution up to the current limit; however, your combined contributions can’t be more than the taxable compensation reported on your joint return.
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You can take ownership of assets inherited from an IRA or employer-sponsored retirement plan, such as a 401(k), which can be rolled into your own IRA,** provided you are a spouse beneficiary.
Non-spouse individual beneficiaries of an IRA or an employer-sponsored retirement plan, such as a 401(k), can roll over their inherited retirement account assets into an Inherited IRA.
Inherited IRAs must be established through a direct trustee-to-trustee transfer. If the beneficiary receives the distribution directly from the IRA or retirement plan, the money is not rollover-eligible and may not be invested in an Inherited IRA.
For assistance, call1-877-200-5503.
Grow your retirement with us.
Invest with a Roth IRA
Save for your future with the potential to enjoy tax-free income in retirement.
Open a Roth IRA
Is a Roth IRA right for you?
Speak with one of our financial consultants.
Monday–Friday, 8 a.m.–8 p.m. ET
Call 1-800-332-6161
Get retirement advice
From one-on-one retirement investment advice to professionally managed portfolios, we're here to help.
Advice Solutions
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.
*36 of our 56 Retirement Funds had a 10-year track record as of 3/31/2024 (includes Investor, I Class, Advisor, and R Class Shares). 35 of these 36 funds (97%) beat their Lipper average for the 10-year period.42 of 42 (100%),24 of 42 (57%), and 38 of 39 (97%) of the Retirement Funds outperformed their Lipper average for the 1-, 3-, and 5-year periods ended 3/31/2024, respectively. Calculations are based on cumulative total return. Not all 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 theplan.
All investments involve risk, including possible loss of principal.
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