Resources to use
with your clients—
helping you stay
informed and effective.

You need innovative tools and timely thinking to work effectively with your clients. We're dedicated to bringing you the right tools to stand out, seize opportunities, and succeed, including:

  • Plan sponsor resources to inspire effective plan management
  • Participant touchpoints to help drive retirement readiness
  • Target date research to inform decision-making for investment committees

PLAN SPONSORS

Education and support to enhance your value to plan sponsors.

These resources can help you reach out to sponsors of defined contribution plans with relevant, targeted information designed to make their plans more effective--while also helping to build your business.

   

Financial Wellness

T. Rowe Price's integrated solution, available through the Retire With Confidence Program for Participants, provides access to SmartDollar, a robust program that paves the way to holistic financial wellness--and better retirement outcomes. Learn more.

Reference Point

This annual benchmarking tool allows you to view trends in your industry and assess the behavior of plan participants from T. Rowe Price's recordkeeping book of business. Explore Reference Point.

 

FiduciarySource®

A series of modules that streamlines complex fiduciary topics into an easy-to-understand, comprehensive program. Log in to get started with FiduciarySource.

 

 

BrightScope Beacon Reports

T. Rowe Price has partnered with BrightScope to provide comprehensive, plan-level data that allows you to have higher-value interactions with clients and prospects. To learn more about BrightScope Beacon Reports, contact your T. Rowe Price representative.


   Our Research

With more participants than ever seeking help and advice in financial decisions from their 401(k) plan's provider, the recordkeeper is becoming the go-to source for tools and support-not just for retirement planning, but for all of a participants financial decisions.

Does a successful 401(k) plan influence a company's profitability? It's a question T. Rowe Price wanted to answer. What we found was intriguing. (Hint: Significant correlations exist.)

Nearly 170,000 participants in plans at T. Rowe Price contributed $50 or less in 2016. Data showed that this "Silent 170k" engaged far less than their peers. How do we gain their attention and get them to act?

 

PARTICIPANTS

Participant tools help streamline complex decisions to drive results.

T. Rowe Price offers valuable Web tools to help participants plan for their retirement income. Two of these tools deal with the key areas of retirement readiness and retirement income:

 

Future Path

An interactive tool that allows individuals to explore "what if" questions and how different decisions can affect personal plans for retirement. Click here to learn more.

SmartVideo

Smartvideo features each participant as the star of their retirement savings story. It is a state-of-the-art tool that engages participants and assists them with retirement readines. Explore Smart Video.

SmartDollar

A tool that combines education components with clear, progressive steps to help employees set financial goals. Learn more about SmartDollar.

 

Retirement Income Calculator

This award-winning retirement planning tool can help users manage their retirement assets and get the most value from their retirement savings. Click here to try the calculator.

 

Plan Participant Education Modules

The following presentations are for advisors to use as a baseline for participant meetings. These core presentations can be enhanced to provide depth around specific topics. Consistent messaging and corresponding suggested calls to action can be found throughout the variety of presentations listed below:

Retirement Savings Strategies

This presentation provides an overview of the most important plan details and retirement savings strategies. It is designed to inform employees of their plan's features, how to use those features to build their own savings strategy, and how advisors can help as individuals save, invest, and plan for retirement.

Achieving Financial Goals

This presentation teaches employees strategies for prioritizing their unique financial goals. It identifies saving for retirement as a primary goal and shows how participants can address competing priorities, such as paying down debt and saving for college.

 

Other Modules

Distribution Options When Changing Jobs or Retiring

This presentation provides fair and balanced education about participants' options for their savings when they change jobs or retire. It includes an overview of important plan rules, the distribution options available, and the financial considerations for each option.

Retirement Ready

This presentation reviews the important milestones (financial and emotional) people reach as they approach retirement. It is designed to encourage employees to start envisioning their retirement and the steps they need to take today to be better prepared. The presentation also reviews some plan resources available to them.

Plan Features

This presentation is designed to inform employees of their plan's benefits by providing details about the plan. It also covers the enrollment process as well as the resources available to help them save, invest, and plan for retirement.

 


   Articles for Participants

Consider an Age-Based Approach to Investing

Gives participants an overview of the age-based investment options available from T. Rowe Price that offer instant diversification with a professionally managed mix of investments and automatic rebalancing.

Know Your Options Before Cashing Out

Offers participants education about their distribution options when they change jobs or retire.

There's a Lot You Can Do Now for Retirement

Shares practical steps to encourage participants to start saving and investing for retirement early.

As You Retire, Keep Your Portfolio Working for You

Provides insights into why retirees should consider keeping a portion of their savings invested in stocks.

Critical Checklist Before You Retire

Outlines important financial preparation for pre-retirees to think about as they approach retirement.

Four Ways to Boost Your Income Potential

Lists four strategies for pre-retirees to consider to strengthen their retirement income strategy.

How Much Can You Spend Annually in Retirement

Offers pre-retirees insight into withdrawal strategies that could help them make their savings last.

Retirement Ready: Four Steps to Keep Your Savings on Track

Details potential strategies for reaching retirement income goals, even if a participant has fallen behind.


  TARGET DATE INVESTMENTS

   Resources and research that provide insights into target date products.

Highlights T. Rowe Price target date funds differentiating characteristics, compelling benchmarking data and industry accolades.

T. Rowe Price conducted a study to evaluate whether our active approach to target date management has outperformed passive strategies offered by our competitors. We examined the performance of 11 of our Retirement Funds, those for which we could identify competing passive strategies.

Our study found that the 11 retirement funds studied outperformed their benchmarks in at least 85% of rolling five-year periods and 100% of rolling 10-year periods (rolled monthly) from inception through December 31, 2018, net of fees.

Target Date Study Methodology Summary

This paper offers a framework for sponsors to establish a belief set and clarity of governance structure that provides sponsors a solid foundation to inform their review and selection of a specific target date fund solution.

 

Important Information

The principal value of the Retirement Funds and Target Funds (collectively the “Target Date 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 Target Date Funds’ allocations among a broad range of underlying T. Rowe Price stock and bond funds will change over time. The Retirement 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 retirement withdrawal horizon. The Target Funds emphasize asset accumulation prior to retirement, balance the need for reduced market risk and income as retirement approaches, and focus on supporting an income stream over a moderate postretirement withdrawal horizon. The Target Date Funds are not designed for a lump-sum redemption at the target date and do not guarantee a particular level of income. The key difference between the Retirement Funds and the Target Funds is the overall allocation to equity; although they each maintain significant allocations to equities both prior to and after the target date, the Retirement Funds maintain a higher equity allocation, which can result in greater volatility over shorter time horizons. Diversification cannot assure a profit or protect against loss in a declining market.