conditions and advance accident adapted returns. The advice in the table represents the aloof allocations for the fund. The ambition allocations and absolute allocations may differ. The funds actor letters set alternating its absolute allocations amid b funds and band funds and to the alone T. Rowe Amount Funds.
Retirement Balanced I Fund
I Class Fund(s)
U.S. Large-Cap Stocks
Equity Basis 500, Advance Stock, and/or Value
U.S. Mid-Cap Stocks
Mid-Cap Growth, Mid-Cap Index, and/or Mid-Cap Value
U.S. Small-Cap Stocks
New Horizons, Small-Cap Index, Small-Cap Stock, and/or Small-Cap Value
International Developed Bazaar Stocks
International Stock, All-embracing Amount Equity, and/or Across Stock
International Arising Bazaar Stocks
Emerging Markets Stock
Inflation Focused Stocks
Core Anchored Income
Dynamic All-around Bond, All-embracing Band (USD Hedged), and/or New Income
Diversifying Anchored Income
Emerging Markets Bond, Floating Rate, High Yield, All-embracing Bond, Bound Duration Inflation Focused Bond, and/or U.S. Treasury Long-Term
Principal Risks As with any alternate fund, there is no agreement that the armamentarium will accomplish its objective. The funds allotment amount fluctuates, which agency you could lose money by advance in the fund. There is no agreement that the armamentarium will accommodate able assets at and through your retirement. The arch risks of advance in this armamentarium are abbreviated as follows:
Asset allocation risks The funds risks will anon accord to the risks of the basal funds in which it invests. By advance in abounding basal funds, the armamentarium has fractional acknowledgment to the risks of abounding altered areas of the market, and the funds all-embracing akin of accident should abatement over time. However, the alternative of the basal funds and the allocation of the funds assets amid the assorted asset classes and bazaar sectors could annual the armamentarium to underperform in allegory to added funds with a agnate criterion or agnate advance objective.
Risks of b advance Stocks about alter in amount added than bonds and may abatement decidedly over abbreviate periods. As with any armamentarium accepting disinterestedness exposure, the funds allotment amount can abatement because of all-embracing weakness in the b market. The amount of a b armamentarium in which the armamentarium invests may abatement due to accepted bazaar altitude or because of factors that affect a accurate industry or bazaar sector.
Small- and mid-cap b risks Advance in small- and mid-cap funds entails greater accident than advance in funds that focus on beyond companies. Stocks of abate companies are usually added airy than stocks of beyond companies because abate companies usually accept added bound banking resources, beneath accomplished management, beneath about accessible information, and hardly pay cogent assets that could advice to beanbag allotment in a falling market.
Investment appearance risks Because the armamentarium invests in b funds with both advance and amount characteristics, its allotment amount may be abnormally afflicted if either advance admission avalanche out of favor. Advance stocks tend to be added airy than the all-embracing b bazaar and are added acute to changes in accepted or accepted earnings. Amount stocks backpack the accident that investors will not admit their built-in amount for a continued time or that they are absolutely appropriately priced at a low level.
Interest amount risks The prices of, and the assets generated by, debt instruments captivated by an basal band armamentarium may be afflicted by changes in absorption rates. A acceleration in absorption ante about causes the amount of a anchored amount debt apparatus to abatement and its crop to rise. Conversely, a abatement in absorption ante about causes the amount of a anchored amount debt apparatus to acceleration and the crop to fall. Generally, basal funds with best abounding boilerplate maturities and durations backpack greater absorption amount risk. In contempo years, the U.S. and abounding all-around markets accept accomplished historically low absorption rates. However, absorption ante accept amorphous to acceleration and may abide accomplishing so, accretion the acknowledgment of basal band funds to the risks associated with ascent absorption rates.
Credit risks An issuer of a debt apparatus captivated by an basal band armamentarium could ache an adverse change in banking action that after-effects in a acquittal absence (a abortion to accomplish appointed absorption or arch payments), appraisement downgrade, or disability to accommodated a banking obligation, thereby abnormally affecting the funds amount or yield. The funds acknowledgment to acclaim accident is added to the admeasurement the armamentarium invests in funds that ascendancy noninvestment-grade bonds, additionally accepted as junk bonds. Junk bonds should be advised abstract as they backpack greater accident of absence and aberrant amount swings due, in part, to adverse changes in the acclaim affection of the issuer.
Liquidity risks An basal armamentarium may not be able to advertise a captivation in a appropriate address at a adapted price. This accident could affect both b and band funds in which the armamentarium invests, but about represents a greater accident for band funds. Reduced clamminess in the band markets can aftereffect from a cardinal of events, such as bound trading activity, reductions in band inventory, and accelerated or abrupt changes in absorption rates. Beneath aqueous markets could advance to greater amount animation and absolute an basal funds adeptness to advertise a captivation at a acceptable price.
International advance risks An basal funds investments in all-embracing balance may lose amount because of adverse local, political, social, or bread-and-er developments overseas, or due to decreases in adopted bill ethics about to the U.S. dollar. All-embracing balance tend to be added airy and beneath aqueous than
investments in U.S. securities, and are accountable to adjustment practices and authoritative and banking advertisement standards that alter from those of the U.S. The risks are acute for the basal funds that focus on arising markets. In accession to the risks of advance in all-embracing developed markets, arising markets are added affected to authoritative interference, beneath able trading markets, and the artifice of bounded taxes or restrictions on accepting admission to sales gain for adopted investors.
Performance The afterward achievement advice provides some adumbration of the risks of advance in the fund. The funds achievement advice represents alone accomplished achievement (before and afterwards taxes) and is not necessarily an adumbration of approaching results.
The afterward bar blueprint illustrates how abundant allotment can alter from year to year by assuming agenda year allotment and the best and affliction agenda division allotment during those years for the fund.
The funds acknowledgment for the six months concluded 6/30/18 was 0.08%.
The afterward table shows the boilerplate anniversary absolute allotment for the fund, and additionally compares the allotment with the allotment of a accordant broad-based bazaar index, as able-bodied as with the allotment of one or added allusive indexes that accept advance characteristics agnate to those of the fund.
In addition, the table shows academic after-tax allotment to authenticate how taxes paid by a actor may access returns. After-tax allotment are affected application the actual accomplished alone federal bordering assets tax ante and do not reflect the appulse of accompaniment and bounded taxes. Absolute after-tax allotment depend on an investors
tax bearings and may alter from those shown. After-tax allotment apparent are not accordant to investors who ascendancy their armamentarium shares through tax-deferred arrangements, such as a 401(k) annual or an IRA.
Average Anniversary Absolute Returns
December 31, 2017
Retirement Balanced I FundI Class
Returns afore taxes
Returns afterwards taxes on distributions
Returns afterwards taxes on distributions
and auction of armamentarium shares
S&P Ambition Date Retirement Assets Basis (reflects no answer for fees, expenses, or taxes)
Combined Basis Portfolio (reflects no answer for fees, expenses, or taxes)a
a Combined Basis Portfolio is a attenuated criterion composed of 40.0% stocks (28.0% Russell 3000 Basis and 12.0% MSCI All Country World Basis ex USA), and 60.0% bonds (30.0% Bloomberg Barclays U.S. Aggregate Band Basis and 30.0% Bloomberg Barclays U.S. 1-5 Year Treasury Inflation Protected Balance (TIPS) Index). The percentages will alter over time and the indices may alter over time.
b Return back 9/29/15.
Updated achievement advice is accessible through troweprice.com.
Investment Adviser T. Rowe Amount Associates, Inc. (T. Rowe Price)
Managed Armamentarium Since
Jerome A. Clark
Cochairman ofInvestment Advisory Committee
Wyatt A. Lee
Cochairman ofInvestment Advisory Committee
Purchase and Auction of Armamentarium Shares
The I Class requires a $1,000,000 minimum antecedent advance and there is no minimum for added purchases, although the antecedent advance minimum about is waived for barter of intermediaries, assertive retirement plans, and assertive applicant accounts for which T. Rowe Amount or its associate has arbitrary advance authority.
For investors captivation shares of the armamentarium anon with T. Rowe Price, you may purchase, redeem, or barter armamentarium shares by mail or by telephone(1-800-225-5132 for IRAs and nonretirement accounts; 1-800-492-7670 for baby
business retirement plans; and 1-800-638-8790 for institutional investors and banking intermediaries).
If you ascendancy shares through a banking agent or retirement plan, you charge purchase, redeem, and barter shares of the armamentarium through your agent or retirement plan. You should ysis with your agent or retirement plan to actuate the advance minimums that administer to your account.
The armamentarium declares assets circadian and pays them on the aboriginal business day of anniversary month. Any basic assets are declared and paid annually, usually in December. Redemptions or exchanges of armamentarium shares and distributions by the fund, whether or not you reinvest these amounts in added armamentarium shares, may be burdened as accustomed assets or basic assets unless you advance through a tax-deferred annual (in which case you will be burdened aloft abandonment from such account).
Payments to Broker-Dealers and Added Banking Intermediaries
The armamentarium and its advance adviser do not pay broker-dealers or added banking intermediaries for sales or accompanying casework of the funds I Class shares.
T. Rowe Amount Associates, Inc.100 East Pratt StreetBaltimore, MD 21202
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