T. Rowe Price Retirement 2055 Fund - I Class is an actively managed target-date mutual fund designed to deliver a high total return over time with an emphasis on both capital growth and income. It invests primarily in a diversified mix of underlying T. Rowe Price equity and fixed income funds and gradually adjusts its allocations along a predefined glide path as the 2055 retirement date approaches. Early in the lifecycle, the fund maintains a predominantly equity stance to support accumulation, then systematically increases fixed income exposure through and beyond retirement, reaching a neutral equity allocation of about 55% at the target date and approximately 30% three decades afterward. Its underlying holdings span U.S. large-, mid-, and small-cap stocks, international developed and emerging markets, and real assets, complemented by core bond strategies to manage income and risk. The I Class shares employ an institutional pricing structure with a stated expense ratio of 0.46% and share the same portfolio as the investor class. The fund’s role is to provide an all-in-one, age-based allocation framework for long-horizon retirement savers and retirees seeking ongoing diversification and professional oversight.
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