T. Rowe Price Personal Investor - ETF Prospectuses & Reports (2024)

FAQs

How do I find my prospectus for an ETF? ›

You can find the prospectus on the mutual fund's or ETF's website or on the SEC's EDGAR database and download the documents for free.

Rowe Price suggests the 4% guideline as a starting point for a withdrawal strategy. This means that in the first year of retirement, you could consider a withdrawal amount that is 4% of your retirement account balance. Every year, reassess the following to adjust your withdrawal amount if needed: Your spending needs.

For most personal investors, an optimal number of ETFs to hold would be 5 to 10 across asset classes, geographies, and other characteristics.

"A newer investor with a modest portfolio may like the ease at which to acquire ETFs (trades like an equity) and the low-cost aspect of the investment. ETFs can provide an easy way to be diversified and as such, the investor may want to have 75% or more of the portfolio in ETFs."

Most companies have a corporate website with a section labeled Investor Relations that should have available a wide range of company documentation, including quarterly and annual reports. Many investment websites may also offer links directly to a company's or fund's prospectus documents.

As is the case with mutual funds, each ETF is required to file a prospectus. All investors who purchase shares receive a prospectus.

Bill Bengen's model allows you to take out 4% of your assets to live off in your first year of retirement. If you have $1 million, you would be able to take out $40,000. The first nuance that many investors often forget is that the model allows for inflation in each subsequent year's withdrawal.

ETFs based on global stock indexes can be used to create a 70/30 portfolio. These ETFs are broadly diversified and aim to replicate the global stock market. According to the 70/30 rule, you would use an ETF to invest 70 percent of your capital in developed countries, and 30 percent in emerging markets.

Investing in the stock market is one of the most effective ways to generate long-term wealth, and you don't need to be an experienced investor to make a lot of money. In fact, it's possible to retire a millionaire with next to no effort through exchange-traded funds (ETFs).

What is a good fund size for an ETF? ›

Level of Assets: An ETF should have a minimum level of assets, with a common threshold being at least $10 million. An ETF with assets below this threshold is likely to have a limited degree of investor interest, which translates into poor liquidity and wide spreads.

Asset allocation ETFs are designed to simplify the investment process by offering a predetermined asset allocation strategy, which takes into account various risk profiles and investment horizons. For example, a typical balanced ETF might invest in a target allocation of roughly 60% stocks and 40% bonds.

A mutual fund prospectus contains details on investment objectives, strategies, performance, distribution policy, fees, and fund management. The risks of the investment are typically disclosed early in the prospectus and then explained in more detail later in the document.

Investors can get a prospectus from the mutual fund company or from a broker, investment adviser or other financial professional. Review a fund's prospectus carefully and use tools such as FINRA's Fund Analyzer when analyzing and comparing funds.

Electronic versions of each fund's prospectus, Statement of Additional Information and shareholder reports are available below. Most can be downloaded as PDFs. If you would like a copy of any of these documents mailed to you, please call 1-800-544-8544.

Prospectus & Reports

Read and consider the prospectus carefully before investing in any fund to ensure the fund is appropriate for your goals and risk tolerance. The prospectus contains complete information on advisory fees, distribution charges, and other expenses. Get a prospectus or report for this fund.