T. Rowe Price Personal Investor - Asset Allocation Models and Planning (2024)

Asset allocation cannot assure a profit or protect against loss in a declining market.

This material has been prepared by T.Rowe Price for general and educational purposes only. This material does not provide fiduciary recommendations concerning investments or investment management. T.Rowe Price, its affiliates, and its associates do not provide legal or tax advice. Any tax-related discussion contained in this material, including any attachments/links, is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding any tax penalties or (ii) promoting, marketing, or recommending to any other party any transaction or matter addressed herein. Please consult your independent legal counsel and/or professional tax advisor regarding any legal or tax issues raised in this material.

The principal value of the Retirement Funds and Target Funds (collectively the "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 (with the exception of the Retirement Balanced Fund change over time. The funds (other than the Retirement Balanced Fund 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.

The T.Rowe Price® ActivePlus Portfolios is a discretionary investment management program provided by T.Rowe Price Advisory Services, Inc., a registered investment adviser under the Investment Advisers Act of 1940. Brokerage services are provided by T.Rowe Price Investment Services, Inc., member FINRA/SIPC. Brokerage accounts are carried by Pershing LLC, a BNY Mellon Company, member NYSE/FINRA/SIPC. T.Rowe Price Advisory Services, Inc., and T.Rowe Price Investment Services, Inc. are affiliated companies.

T. Rowe Price Personal Investor - Asset Allocation Models and Planning (2024)
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