More than 350 of our investment professionals travel the world, visiting the companies they evaluate and those in which we invest. By meeting with executives and employees firsthand, they can ask the right questions to gain a deeper understanding of where a company stands today and where it could go in the future.
We combine this depth of exploration and understanding with experience and expertise. Our skilled portfolio managers average 21 years in the industry and 16 years with T. Rowe Price. We believe this combination helps us to make the best investment decisions as we seek to achieve your objectives.
Our portfolio managers built and manage 10 diversified model portfolios to help you meet your needs, whatever they may be. Each model is constructed to reflect a specific risk tolerance and time horizon and invests in a carefully selected mix of strategically managed T. Rowe Price funds.
Informed by independent, proprietary research
Our portfolio managers regularly collaborate with the firm’s multi-asset and research teams to gain first-hand insights into the markets and the companies within them. These discussions help provide the answers and ideas they need to make informed investment and asset allocation decisions for the model portfolios.
Ongoing professional management
We oversee the model portfolios, carefully managing risk and seeking to maximize value for you—now and over the long term. This means we’re constantly analyzing the markets and making skilled decisions on when to move with the crowd and when to move against it; when to quickly take advantage of market fluctuations, and when to hold tight.
Guido F. Stubenrauch, CFA
13 years—investment experience
17 years—tenure with T. Rowe Price
Guido F. Stubenrauch is a vice president of T. Rowe Price Group, Inc. and T. Rowe Price Associates, Inc. He is a portfolio manager and investment allocation analyst within the Multi-Asset Division. He serves as co-portfolio manager of the T. Rowe Price ActivePlus Portfolios and is an Investment Advisory Committee member of the Balanced Fund, Personal Strategy Funds, Spectrum Funds, and Retirement Funds. Prior to joining T. Rowe Price in 1999, he worked for J.P. Morgan in their Global Liquidity & Capital Raising division. Guido earned a B.A. in business administration and economics, summa cum laude, from McDaniel College and an M.S. in finance from Loyola University Maryland. He has also earned the Chartered Financial Analyst designation.
Robert A. Panariello, CFA, CAIA, FRM
11 years—investment experience
11 years—tenure with T. Rowe Price
Robert A. Panariello is a vice president of T. Rowe Price Group, Inc. and T. Rowe Price Associates, Inc. He is a portfolio manager and a quantitative analyst in the Multi-Asset Division, with research, product development, and portfolio management responsibilities. He serves as co-portfolio manager of the T. Rowe Price ActivePlus Portfolios and is an Investment Advisory Committee member of the Global Allocation Fund. Robert joined the firm in 2005. He earned a B.S. and an M.S.E. in applied mathematics and statistics and an M.S.E. in financial mathematics, all from Johns Hopkins University. Robert has also earned the Chartered Financial Analyst, Financial Risk Manager and Chartered Alternative Investment Analyst designations.
Toby M. Thompson, CFA, CAIA
23 years—investment experience
9 years—tenure with T. Rowe Price
Toby M. Thompson is a vice president of T. Rowe Price Group, Inc. and T. Rowe Price Associates, Inc. He is a portfolio manager within the Multi-Asset Division. He serves as co-portfolio manager of the T. Rowe Price ActivePlus Portfolios and Managed Volatility Strategies and is a member of the Investment Advisory Committees of the Global Allocation Fund, Balanced Fund, Personal Strategy Funds, and Spectrum Funds. Prior to joining the firm in 2007, he served as director of investments of the I.A.M. National Pension Fund. Before joining the I.A.M. National Pension Fund, Toby was a principal with Brown Investment Advisory, where he worked in fixed income research, served as director of open architecture and asset allocation, and was a member of the firm's Strategic Investment Committee. Toby earned a B.S. in business and economics from Towson University and an M.B.A. in finance from Loyola University Maryland. He has earned his Chartered Financial Analyst and Chartered Alternative Investment Analyst designations. Toby is also the chairman of the National Aquarium Foundation in Baltimore.
With T. Rowe Price you get an online portfolio powered by experts who oversee, allocate, and rebalance your investments—so you don’t have to. Start now with our brief online questionnaire.
Once you open and fund your account, it’s important to stay connected. Be sure to update your time horizon at least annually to reflect the passage of time or other significant life changes. That helps ensure your investments are aligned with the corresponding model portfolio.
We’ll continue to manage your account based on your most recent responses to our online questionnaire.