Investments
Choose the approach that suits your style and comfort with investing. If you don't choose an investment path, your Plan contributions will be automatically invested in a T. Rowe Price Retirement Hybrid Trust* with the target date closest to the year in which you turn 65.
1: Age-based portfolio
If you want a portfolio that automatically adjusts over time, consider investing in a pre-assembled target date investment. The Retirement Hybrid Trusts:
- Provide an investment mix in a single portfolio designed to target the year an investor retires—assumed to be age 65.
- Are professionally managed throughout your working years and retirement.
Depending on your risk tolerance, time horizon, and financial situation, you may consider a Retirement Hybrid Trust with a different target date.
The Retirement Hybrid Balanced Trust has a neutral allocation that will remain constant at approximately 40% stocks and 60% bond investments.
2: Build-your-own portfolio
If you want more control, consider building your own portfolio.
- You choose from your Plan's professionally managed investment options.
- You manage your portfolio and asset allocation over time to suit your risk tolerance, time horizon, and financial goals.
| Build-your-own portfolio options | |
| Stock Investments | Bond Investments |
| Fidelity 500 Index Fund (FXAIX) | Dodge & Cox Income Fund, X (DOXIX) |
| Fidelity Extended Market Index Fund (FSMAX) | Fidelity U.S. Bond Index Fund (FXNAX) |
| Fidelity Total International Index Fund (FTIHX) | |
| Fidelity U.S. Sustainability Index Fund (FITLX) | Blended Investments |
| International Equity Fund.1 | Retirement Hybrid Balanced Trust* |
| T. Rowe Price Structured Research Trust Fund, D* | |
| Wellington CIF II SMID Cap Research Fund, S31 | Money Market/Stable Value Investment |
| T. Rowe Price Stable Value Common Trust Fund, F* |
1No ticker symbol is available.
3: Self-directed brokerage
Charles Schwab's Personal Choice Retirement Account®—If you prefer to invest in options outside of your Plan's core investment lineup, your Plan also offers a self-directed brokerage service that provides access to hundreds of investment options beyond those available in the Plan's core investment options.
Self-directed brokerage is for experienced investors and requires a separate agreement to establish the service. For more information, including fees and risks, call 1-888-457-5770 or visit rps.troweprice.com/brokerage.
Brokerage services offered by Charles Schwab & Co., Inc. (Member SIPC). Schwab Personal Choice Retirement Account® (PCRA) is offered through Charles Schwab & Co., Inc. (Member SIPC), a registered broker-dealer. Charles Schwab & Co., Inc. is not affiliated with T. Rowe Price Retirement Plan Services, Inc. or any T. Rowe Price entity.
*The T. Rowe Price Retirement Hybrid Trusts, Stable Value Common Trust Fund, and Structured Research Trust Fund (Trusts) are not mutual funds; rather, the Trusts are operated and maintained so as to qualify for exemption from registration as mutual funds pursuant to Section 3(c)(11) of the Investment Company Act of 1940, as amended. The Trusts are established by T. Rowe Price Trust Company under Maryland banking law, and their units are exempt from registration under the Securities Act of 1933. Investments in the Trusts are not deposits or obligations of, or guaranteed by, the U.S. government or its agencies or T. Rowe Price Trust Company and are subject to investment risks, including possible loss of principal. Although the T. Rowe Price Stable Value Common Trust Fund seeks to preserve the value of your investment at $1.00 per unit, it is possible to lose money by investing in the Trust. For additional information on the common trust funds being offered, including a trust fact sheet, please call T. Rowe Price.
This material has been prepared by T. Rowe Price Retirement Plan Services, Inc., for general and educational purposes only. This material does not provide recommendations concerning investments, investment strategies, or account types. It is not individualized to the needs of any specific investor and is not intended to suggest that any particular investment action is appropriate for you, nor is it intended to serve as a primary basis for investment decision-making. T. Rowe Price Retirement Plan Services, Inc., 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 tax professional regarding any legal or tax issues raised in this material.
T. Rowe Price Retirement Plan Services, Inc.
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