• Your account must have exchange privileges established.
• Both accounts must be identically registered (unless you are making an IRA contribution from a non-IRA).
• An exchange into a new fund must be conducted with a representative if the existing account has: 
  • Automatic investing through payroll deductions
  • Monthly redemptions or systematic withdrawals (IRAs only)
  • Dividends invested in other funds
  • An additional mailing address for account statements
  • Dividends mailed to a third party.

Log In to view or update your account:

The fastest way to securely deposit money into your T. Rowe Price account is through our online buy experience. However, many clients find themselves in situations that require sending in a paper check. 

When mailing a paper check:

1. Make your check payable to "T. Rowe Price Funds."
   
2. In the memo field, include the account number for the fund you'd like to deposit into. This number is unique to each fund in your portfolio, and can be found on your Accounts page, or paper statement.
   
3. If you're contributing to an IRA, please indicate the contribution year (if applicable).

Addresses:

U.S. Postal Service

T. Rowe Price
Account Services
P.O. Box 17300
Baltimore, MD 21297-1300

Private Carriers/Overnight Services 

T. Rowe Price
Account Services
Mail Code 17300
4515 Painters Mill Road
Owings Mills, MD 21117-4903

Note: When sending in instructions to purchase or redeem to or from multiple fund accounts, please provide the exact amount to be allocated to each fund account. If you fail to do so and the total purchase or redemption amount cannot be divided equally among your fund accounts (example: a $5,000 investment into 3 separate fund accounts), the excess amount will be purchased or redeemed from the first account listed in your instructions (or if none listed, another one of your fund accounts).

Log In to your account to view pending transactions.

Log In to your account to contribute additional money to your IRA.

If you do not have an existing IRA with T. Rowe Price, you may Open a New IRA.

View current contribution limits.

Log In to view the dollar amount of your current and prior-year IRA contributions.

Log In to add or update automatic transactions

Transactions are posted overnight, and the exact time of completion varies, but you generally should be able to view most trade information on the next business day following the trade date.

Because exchanges are a two-step process (a redemption and a purchase), the purchase may appear in the Account Access section later than the redemption. If you do more than one exchange on the same day, your exchanges may not be available for viewing at the same time.

View Pending Transactions Online:

Log In to your account to view and cancel pending transactions.

Note: Transactions may be canceled until the market close (usually 4 PM ET or 5 PM ET for select money market funds) on their trade date. Once the market has closed on the trade date, the transaction can no longer be canceled.

ActivePlus Portfolios (APP) Wire Instructions:

If you are wiring funds to T. Rowe Price into a retail mutual fund account (non-401(k)), please use the following information:

Note: For IRAs, include additional instructions in the OBI specifying current- or prior-year or rollover.

Note: Wires can be used to fund a new account or to make additional purchases into existing accounts. If funding a new account, the new account must be established before sending the wire. When sending an international wire, the wire must first be sent through a U.S. correspondent bank. Each foreign bank has a corresponding U.S. bank that they process wires through.

A purchase (buy) is the act of investing money into a new or existing account.
A redemption (sell) is a request to sell shares of a mutual fund. Redemptions may or may not result in capital gains.
An exchange is a request to send money from one account and invest it into another identically registered account in a different fund. Log In to place a transaction in your account.

TRPI makes it easy to compare a Roth IRA to a Traditional IRA to see what best fits your retirement savings plan. You can also browse our IRA information page for a general comparison.

Your RMD is calculated by dividing your account balance on December 31 of the previous year by your age-based factor for the calculation year. Your age-based factor can be found using the appropriate IRS Life Expectancy table: Table 1, Table 2, Table 3. Since these factors change each year, your RMD must be recalculated every year.

For additional information and tools, see the RMD Basics information on our website.

Please contact a TRPI retirement specialist at 888-421-0563 if you have questions.

Although the IRS allows you to take all IRA assets into account with this calculation regardless of where they are held, the personal RMD calculations provided by T. Rowe Price are based only on the assets that are currently held at our firm.

When you sell shares in a non-retirement mutual fund by selling or exchanging, a taxable event occurs. For specific information on what tax implications may apply, visit the Tax Issues for Mutual Fund Investors page.

In general, distributions from a traditional IRA are taxable in the year you receive them. Distributions from your traditional IRA may be fully or partly taxable as ordinary income, depending on whether your IRA includes any nondeductible contributions. If you are under the age of 59½, you may be subject to a 10% early withdrawal penalty as well.

For a Roth IRA, a qualified distribution is generally not a taxable event. If you receive a distribution from your Roth IRA that is not a qualified distribution, part of it may be taxable. If you are under the age of 59½, you may be subject to a 10% early withdrawal penalty.

Please consult a tax professional for assistance on actual taxes owed.

TRPI can help you consolidate workplace retirement plans and IRAs. See if a 401(k) Rollover or Transfer IRA is right for you.