Connect with us. We’ll help you feel confident about saving and investing for your retirement. YOUR RETIREMENT PLAN WEBSITE Go to rps.troweprice.com .
CONSIDER ROTH CONTRIBUTIONS IF: • You’re under age 50 or • You’re over 50, but you expect your tax rate in retirement to remain the same or to drop by a moderate amount CONSIDER BEFORE-TAX CONTRIBUTIONS IF: • You’re 50 or older and • You expect your tax rate to be considerably lower in retirement
DEDICATED REPRESENTATIVES Call your plan’s toll-free number.
MOBILE SOLUTIONS Visit troweprice.com/mobilesolutions to choose the option that’s best for you.
TWO BIG IDEAS: Are you saving? If you’re not enrolled in your workplace retirement plan, sign up now. Are you saving enough? Increase your savings rate regularly to build your savings faster.
A qualified distribution is tax-free if taken at least 5 years after the year of your first Roth contribution AND you’ve reached age 59½, become totally disabled, or died. If your distribution is not qualified, any earnings from the Roth portion will be taxable in the year it is distributed. These rules apply to Roth distributions only from employer-sponsored plans. Additional plan distribution rules apply. 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.
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