The allocations shown are the funds target allocations as of September 29, 2006. Each funds actual allocation among stocks, bonds, and short-term investments and to individual T. Rowe Price funds may vary from the proposed long-term allocations shown above.
The funds investment in many underlying funds means that they will be exposed to the risks of different areas of the market. There are many considerations when planning for retirement. Your retirement needs, expenses, sources of income, and available assets are some important factors for you to consider in addition to the Retirement Funds. Before investing in one of these funds, weigh your objectives, time horizon, and risk tolerance. Diversification cannot assure a profit or protect against loss in a declining market.
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