T rowe price tax id number

Go to troweprice. You can exchange shares online from an existing account in one fund to open a new account in another fund. The new account will have the same registration as the account from which you are exchanging, and any services other than systematic purchase and systematic distribution arrangements that you have preauthorized will carry over from the existing account to the new account. By Mail If you are sending a check, please make your check payable to T.

Rowe Price Funds otherwise it may be returned and send the check, together with the applicable New Account Form, to the appropriate address. Rowe Price does not accept third-party checks for initial purchases; however, third-party checks are typically accepted for additional purchases to an existing account. In addition, T.

For exchanges from an identically registered account, be sure to specify the fund s and account number s that you are exchanging out of and the fund s you wish to exchange into. By Telephone Direct investors can call Shareholder Services at institutional investors should call to exchange from an existing fund account to open a new identically registered account in another fund. You may also be eligible to open a new account by telephone and provide your bank account information in order to make an initial purchase.

To set up the account and banking service by telephone, additional steps will be taken to verify your identity and the authenticity of your bank account. Although the account may be opened and the purchase made, services may be not be established and Internal Revenue Service penalty withholding may occur until we receive the necessary signed form to certify your Social Security number or taxpayer identification number. In Person You can also open a new account by visiting one of the T. Rowe Price Investor Centers. If you invest directly with T. Rowe Price and your request to purchase, sell, or exchange shares is received by T.

If your request is received by T. Note: There may be times when you are unable to contact us by telephone or access your account online due to extreme market activity, the unavailability of the T. Rowe Price website, or other circumstances. Should this occur, your order must still be placed and received in correct form by T. The time at which transactions and shares are priced and the time until which orders are accepted may be changed in case of an emergency or if the NYSE closes at a time other than 4 p.

The funds reserve the right to not treat an unscheduled intraday disruption or closure in NYSE trading as a closure of the NYSE, and still accept transactions and calculate their net asset value as of 4 p. Transaction Confirmations. Telephone and Online Account Transactions. You may access your accounts and conduct transactions involving Investor Class accounts using the telephone or the T.

Rowe Price website at troweprice. You can only conduct transactions involving the I Class over the telephone or in writing. Rowe Price Funds and their agents use reasonable procedures to verify the identity of the shareholder. If these procedures are followed, the funds and their agents are not liable for any losses that may occur from acting on unauthorized instructions. Please review your confirmation carefully, and contact T. Rowe Price immediately about any transaction you believe to be unauthorized.

Telephone conversations are recorded. Shares may be purchased in a variety of ways. By Check Please make your check payable to the T. Include a New Account Form if establishing a new account, and include either a fund investment slip or a letter indicating the fund and your account number if adding to an existing account. Your transaction will receive the share price for the business day that the request is received by T. Rowe Price or its agent prior to the close of the NYSE not the day the request is received at the post office box. By Electronic Transfer Shares may be purchased using the Automated Clearing House system if you have established the service on your account, which allows T.

Rowe Price to request payment for your shares directly from your bank account or other financial institution account. You may also arrange for a wire to be sent to T. Rowe Price wire transfer instructions can be found at troweprice. There is no assurance that you will receive the share price for the same day you initiated the wire from your financial institution. By Exchange You may purchase shares of a fund using the proceeds from the redemption of shares from another fund. The redemption and purchase will receive the same trade date and the new account will have the same registration as the account from which you are exchanging.

The purchase must still generally meet the applicable minimum investment requirement. Rowe Price to automatically transfer money from your account at your bank or other financial institution at least once per month, or you can instruct your employer to send all or a portion of your paycheck to the fund or funds that you designate. To automatically transfer money to your account from a bank account or through payroll deductions, complete the appropriate section of the New Account Form when opening a new account or complete an Account Services Form to add the service to an existing account.

Prior to establishing payroll deductions, you must set up the service with T. Rowe Price so that the appropriate instructions can be provided to your employer. Initial Investment Minimums. If you request the I Class of a particular fund when you open a new account but the investment amount does not meet the applicable minimum, the purchase will be automatically invested in the Investor Class of the same fund. Additional Investment Minimums. Exchanging and Redeeming Shares. Certain T. Rowe Price Funds assess a fee on redemptions of shares including exchanges out of a fund that are not held for a specified period of time.

Exchanges You can move money from one account to an existing, identically registered account or open a new identically registered account. For taxable accounts, an exchange from one fund to another will be reported to the Internal Revenue Service as a sale for tax purposes. Exchanges into a state tax-free fund are limited to investors living in states where the fund is available for sale and institutional investors are restricted from exchanging into a fund that operates as a retail money market fund.

You can set up systematic exchanges so that money is automatically moved from one fund account to another on a regular basis. Receiving Redemption Proceeds Redemption proceeds can be mailed to your account address by check or sent electronically to your bank account by Automated Clearing House transfer or bank wire. You can set up systematic redemptions and have the proceeds automatically sent via check or Automated Clearing House on a regular basis.

If your request is received in correct form by T. Rowe Price or its agent on a business day prior to the close of the NYSE, proceeds are usually sent on the next business day. However, if you request a redemption from a money market fund on a business day prior to noon ET and request to have proceeds sent via bank wire, proceeds are normally sent later that same day. Proceeds sent by Automated Clearing House transfer are usually credited to your account the second business day after the sale, and there are typically no fees associated with such payments.

Proceeds sent by bank wire are usually credited to your account the next business day after the sale except for wire redemptions from money market funds received prior to noon ET. If you request to redeem a specific dollar amount and the market value of your account is less than the amount of your request and we are unable to contact you, your redemption will not be processed and you must submit a new redemption request in correct form. Converting to Another Share Class.

You may convert from one share class of a fund to another share class of the same fund. Although the conversion has no effect on the dollar value of your investment in the fund, the number of shares owned after the conversion may be greater or less than the number of shares owned before the conversion, depending on the net asset values of the two share classes. A conversion between share classes of the same fund.

The new account will have the same registration as the account from which you are converting. You will be notified before an automatic conversion occurs and will have an opportunity to instruct T. Rowe Price not to effect the conversion. Maintaining Your Account Balance. The redemption of your account could result in a taxable gain. The following policies apply to accounts that are held through a financial intermediary. Accounts in Investor Class and I Class shares are not required to be held through a financial intermediary, but accounts in Advisor Class and R Class shares must be held through an eligible financial intermediary except for certain retirement plans held directly with T.

It is important that you contact your retirement plan or financial intermediary to determine the policies, procedures, and transaction deadlines that apply to your account. The financial intermediary may charge a fee for its services. Opening an Account. The financial intermediary must provide T. Rowe Price with its certified taxpayer identification number. Financial intermediaries should call Financial Institution Services for an account number and wire transfer instructions.

In order to obtain an account number, the financial intermediary must supply the name, taxpayer identification number, and business street address for the account. Financial intermediaries must also enter into a separate agreement with the fund or its agent. How the Trade Date Is Determined. If you invest through a financial intermediary and your transaction request is received by T. Rowe Price or by the financial intermediary in accordance with its agreement with T.

Purchasing Shares. All initial and subsequent investments by financial intermediaries should be made by bank wire or electronic payment. There is no assurance that the share price for the purchase will be the same day the wire was initiated. Purchases by financial intermediaries are typically initiated through the National Securities Clearing Corporation or by calling Financial Institution Services.

You should check with your financial intermediary to determine what minimum applies to your initial and additional investments. Investments through a financial intermediary generally do not require a minimum amount for additional purchases. Redeeming Shares. Redemptions by financial intermediaries are typically initiated through the National Securities Clearing Corporation or by calling Financial Institution Services. Normally, the fund transmits proceeds to financial intermediaries for redemption orders received in correct form on either the next business day or third business day after receipt of the order, depending on the arrangement with the financial intermediary.

Proceeds for redemption orders received prior to noon ET for a money market fund may be sent via wire the same business day. You must contact your financial intermediary about procedures for receiving your redemption proceeds. Please note that certain purchase and redemption requests initiated through the National Securities Clearing Corporation may be rejected, and in such instances, the transaction must be placed by contacting Financial Institution Services.

The following policies and requirements apply generally to accounts in the T. Rowe Price Funds, regardless of whether the account is held directly or indirectly with T. The funds generally do not accept orders that request a particular day or price for a transaction or any other special conditions. However, when authorized by the fund, certain institutions, financial intermediaries, or retirement plans purchasing fund shares directly with T.

Rowe Price may place a purchase order unaccompanied by payment. Payment for these shares must be received by the time designated by the fund not to exceed the period established for settlement under applicable regulations. If payment is not received by this time, the order may be canceled.

Rowe Price if payment is delayed or not received. Dollars All purchases must be paid for in U. Nonpayment If a check or Automated Clearing House transfer does not clear or payment for an order is not received in a timely manner, your purchase may be canceled. You or the financial intermediary will be responsible for any losses or expenses incurred by the fund or its transfer agent, and the fund can redeem shares in your account or another identically registered T. Rowe Price account as reimbursement. The funds and their agents have the right to reject or cancel any purchase, exchange, or redemption due to nonpayment.

State Tax-Free Funds Each state tax-free fund is limited to investors living in certain states where the fund is registered to sell its shares. If the address of record on your account is no longer located in one of these states, you will no longer be permitted to purchase additional shares of the fund.

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Retail Money Market Funds The retail money market funds have implemented policies and procedures designed to limit purchases to accounts beneficially owned by a natural person. Purchases of a retail money market fund may be rejected from an investor who has not demonstrated sufficient eligibility to purchase shares of the fund or from a financial intermediary that has not demonstrated adequate procedures to limit investments to natural persons.

In addition, purchases may be prohibited or subject to certain conditions during periods where a liquidity fee or redemption gate is in effect. Contingent Redemption Fee. Asia Opportunities. Emerging Europe. Emerging Markets Bond. Emerging Markets Stock. Emerging Markets Value Stock. European Stock. Extended Equity Market Index. Global Growth Stock. Global High Income Bond. Global Stock. High Yield. International Bond. International Concentrated Equity.

International Equity Index. International Stock. Latin America. QM Global Equity. Small-Cap Growth Equity. Spectrum International. Tax-Efficient Equity. Total Equity Market Index. Bond Enhanced Index. Rowe Price Fund that imposes a redemption fee are subject to the fee, whether the person is holding shares directly with a T. Rowe Price Fund, through a retirement plan for which T. Rowe Price serves as recordkeeper, or indirectly through a financial intermediary such as a broker, bank, or investment adviser , recordkeeper for retirement plan participants, or other third party.

Computation of Holding Period When an investor sells shares of a fund that assesses a redemption fee, T. Under this method, the date of redemption or exchange will be compared with the earliest purchase date of shares held in the account. The day after the date of your purchase is considered Day 1 for purposes of computing the holding period. For a fund with a day holding period, a redemption fee will be charged on shares sold before the end of the required holding period. For funds with a day holding period, a redemption fee will be charged on shares sold on or before the end of the required holding period.

For example, if you redeem your shares on or before the 90th day from the date of purchase, you will be assessed the redemption fee. If you purchase shares through a financial intermediary, consult your financial intermediary to determine how the holding period will be applied. Rowe Price Funds will not assess a redemption fee with respect to certain transactions.

As of the date of this prospectus, the following shares of T. Rowe Price Funds will not be subject to redemption fees:. Rowe Price fund-of-funds products, if approved in writing by T. Rowe Price;. Rowe Price Funds purchased by another T. Rowe Price Fund and shares purchased by discretionary accounts managed by T. Rowe Price or one of its affiliates please note that other shareholders of the investing T. Rowe Price Fund are still subject to the policy ;. Redemption Fees on Shares Held in Retirement Plans If shares are held in a retirement plan, redemption fees generally will be assessed on shares redeemed by exchange only if they were originally purchased by a participant-directed exchange.

However, redemption fees may apply to transactions other than exchanges depending on how shares of the plan are held at T. To determine which of your transactions are subject to redemption fees, you should contact T. Rowe Price or your plan recordkeeper. Omnibus Accounts If your shares are held through a financial intermediary in an omnibus account, T. Rowe Price relies on the financial intermediary to assess the redemption fee on underlying shareholder accounts. Rowe Price seeks to enter into agreements with financial intermediaries establishing omnibus accounts that require the intermediary to assess the redemption fees.

There are no assurances that T. Rowe Price will be successful in identifying all financial intermediaries or that the intermediaries will properly assess the fees. Certain financial intermediaries may not apply the exemptions previously listed to the redemption fee policy; all redemptions by persons trading through such intermediaries may be subject to the fee. Certain financial intermediaries may exempt transactions not listed from redemption fees, if approved by T. Persons redeeming shares through a financial intermediary should check with their respective intermediary to determine which transactions are subject to the fees.

A money market fund that operates as a government money market fund pursuant to Rule 2a-7 is not required to impose a liquidity fee or redemption gate upon the sale of your shares. The Boards of the T. Rowe Price money market funds that operate as government money market funds have determined that the funds do not intend to impose liquidity fees and redemption gates.

However, the Board of a T. If a liquidity fee is in place, all exchanges out of the fund will be subject to the liquidity fee, and if a redemption gate is in place, all exchanges out of the fund will be suspended. Omnibus Accounts If your shares are held through a financial intermediary, T. Rowe Price may rely on the financial intermediary to assess any applicable liquidity fees or impose redemption gates on underlying shareholder accounts. In certain situations, T. Rowe Price enters into agreements with financial intermediaries maintaining omnibus accounts that require the financial intermediary to assess liquidity fees or redemption gates.

Rowe Price will be successful in ensuring that all financial intermediaries will properly assess the fees. Please refer to Sections 1 and 2 of retail money market fund prospectuses for more information regarding liquidity fees and redemption gates. Large Redemptions. If this occurs, the securities will be selected by the fund in its absolute discretion, and the redeeming shareholder or account will be responsible for disposing of the securities and bearing any associated costs and risks for example, market risks until the securities are disposed of.

If you continue to hold the securities, you may be subject to any ownership restriction imposed by the issuers. For example, real estate investment trusts often impose ownership restriction on their equity securities. Delays in Sending Redemption Proceeds. In addition, if shares are sold that were just purchased and paid for by check or Automated Clearing House transfer, the fund will process your redemption but will generally delay sending the proceeds for up to 10 calendar days to allow the check or Automated Clearing House transfer to clear.

In addition, under certain limited circumstances, the Board of a money market fund may elect to permanently suspend redemptions in order to facilitate an orderly liquidation of the fund subject to any additional liquidation requirements. Involuntary Redemptions and Share Class Conversions. Since nongovernment money market funds that operate as retail money market funds are required to limit their beneficial owners to natural persons, shares held directly by an investor or through a financial intermediary in these funds that are not eligible to invest in a retail money market fund are subject to involuntary redemption at any time without prior notice.

Shares held by any investors or financial intermediaries that are no longer eligible to invest in the I Class or who fail to meet or maintain their account s at the investment minimum are subject to involuntary redemption at any time or conversion to the Investor Class of the same fund which may have a higher expense ratio. Investments in Advisor Class shares that are no longer held through an eligible financial intermediary may be automatically converted by T. Rowe Price to the Investor Class of the same fund following notice to the financial intermediary or shareholder.

Rowe Price to the Investor Class or Advisor Class of the same fund following notice to the financial intermediary or shareholder. Excessive and Short-Term Trading Policy. While there is no assurance that T. Rowe Price can prevent all excessive and short-term trading, the Boards of the T. Rowe Price Funds have adopted the following trading limits that are. The funds may revise their trading limits and procedures at any time as the Boards deem necessary or appropriate to better detect short-term trading that may adversely affect the funds, to comply with applicable regulatory requirements, or to impose additional or alternative restrictions.

Rowe Price Funds that are purchased by another T.

Rowe Price Fund, including shares purchased by T. Rowe Price fund-of-funds products, and shares purchased by discretionary accounts managed by T. Rowe Price or one of its affiliates please note that shareholders of the investing T. Rowe Price Fund are still subject to the policy ; and. Transactions in certain rebalancing, asset allocation, wrap programs, and other advisory programs, as well as non-T. Rowe Price fund-of-funds products, may also be exempt from the Day Purchase Block, subject to prior written approval by T.

In addition to restricting transactions in accordance with the Day Purchase Block, T. Such persons may be barred, without prior notice, from further purchases of T. Financial Intermediary Accounts If you invest in T.

Rowe Price is unable to identify a transaction placed through a financial intermediary as exempt from the excessive trading policy, the Day Purchase Block may apply. Financial intermediaries may maintain their underlying accounts directly with the fund, although they often establish an omnibus account one account with the fund that represents multiple underlying shareholder accounts on behalf of their customers.

When financial intermediaries establish omnibus accounts in the T. Rowe Price Funds, T. Rowe Price is not able to monitor the trading activity of the underlying shareholders. However, T. Rowe Price monitors aggregate trading activity at the financial intermediary omnibus account level in an attempt to identify activity that indicates potential excessive or short-term trading. If it detects such trading activity, T. Rowe Price may contact the financial intermediary to request personal identifying information and transaction histories for some or all underlying shareholders including plan participants, if applicable pursuant to a written agreement that T.

Rowe Price has entered into with each financial intermediary. Each financial intermediary has agreed to execute such instructions pursuant to a written agreement. There is no assurance that T. Rowe Price will be able to properly enforce its excessive trading policies for omnibus accounts. Because T. Rowe Price if it believes that the policy would provide sufficient protection to the T. Retirement Plan Accounts If shares are held in a retirement plan, generally the Day Purchase Block applies only to shares redeemed by a participant-directed exchange to another fund.

However, the Day Purchase Block may apply to transactions other than exchanges depending on how shares of the plan are held at T. An alternative excessive trading policy may apply to the T. Rowe Price Funds where a retirement plan has its own policy deemed acceptable to T. You should contact T. There is no guarantee that T. Rowe Price will be able to identify or prevent all excessive or short-term trades or trading practices. Rowe Price or your financial intermediary is returned by the post office, T. Rowe Price or your financial intermediary may be required to transfer your account and any assets related to uncashed checks to the appropriate state under its abandoned property laws.

To avoid such action, it is important to keep your account address up to date and periodically communicate with T. Rowe Price by contacting us or logging in to your account at least once every two years. Delivery of Shareholder Documents. If two or more accounts own the same fund, share the same address, and T. Rowe Price reasonably believes that the two accounts are part of the same household or institution, we may economize on fund expenses by mailing only one shareholder report and prospectus for the fund. Rowe Price can deliver account statements, transaction confirmations, prospectuses, tax forms, and shareholder reports electronically.

If you are a registered user of troweprice.

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Tax Preparation | T. Rowe Price

You can revoke your consent at any time through troweprice. Signature Guarantees. A shareholder or financial intermediary may need to obtain a Medallion signature guarantee in certain situations, such as:. Financial intermediaries should contact T. Rowe Price Financial Institution Services for specific requirements. The signature guarantee must be obtained from a financial institution that is a participant in a Medallion signature guarantee program.

You can obtain a Medallion signature guarantee from most banks, savings institutions, broker-dealers, and other guarantors acceptable to T. When obtaining a Medallion signature guarantee, please discuss with the guarantor the dollar amount of your proposed transaction. We cannot accept guarantees from notaries public or organizations that do not provide reimbursement in the case of fraud.

Responsibility for Unauthorized Transactions. Rowe Price and its agents use procedures reasonably designed to confirm that telephone, electronic, and other instructions are genuine. These procedures include recording telephone calls; requiring personalized security codes or other information online and certain identifying information for telephone calls; requiring Medallion signature guarantees for certain transactions and account changes; and promptly sending confirmations of transactions and address changes. Rowe Price and its agents follow these procedures, they are not responsible for any losses that may occur due to unauthorized instructions.

For transactions conducted online, we recommend the use of a secure Internet browser.

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In addition, you should verify the accuracy of your confirmation statements immediately after you receive them and notify T. Rowe Price of any inaccuracies. Fund Operations and Shareholder Services. Rowe Price, each provide certain accounting services to the T. These companies receive compensation from the funds for their services. The funds may also pay financial intermediaries for performing shareholder and administrative services for underlying shareholders in omnibus accounts. In addition, certain funds serve as an underlying fund in which some fund-of-funds products, the T.

Rowe Price Spectrum and Retirement Funds, invest. Rowe Price Spectrum and Retirement Funds. Accounts Held Directly With T. Investors who want to open an account directly with T. Rowe Price or who already have an account held directly with T. Rowe Price and not through a financial intermediary should refer to the following information. Online You can open an account and place most transactions online at troweprice.

To access information on fund performance, prices, account balances, and your latest transactions 24 hours a day, please call T. If you are an institutional investor opening an account directly with T. Rowe Price or have questions or want to place a transaction on an existing account, please call Financial Institution Services at Rowe Price Retirement Client Services at or consult your plan administrator. Requests for redemptions from these types of retirement accounts may be required to be in writing. Funds held through other employer-sponsored retirement plans should call the appropriate telephone number that appears on your retirement plan account statement.

If you hold shares of a T. Rowe Price Fund through a T. Rowe Price Brokerage account and want to place a transaction, please call For inquiries or to place a transaction, the hearing-impaired should call if you hold shares in a small business retirement plan account. By Mail Please be sure to use the correct address to avoid a delay in opening your account or processing your transaction.

These addresses are subject to change at any time, so you may want to consider checking troweprice. Investors other than institutions and small business retirement plans opening a new account or making additional purchases by check should use the following addresses:. Rowe Price Account Services. Box Baltimore, MD Mail Code Owings Mills, MD Investors other than institutions and small business retirement plans requesting an exchange or redemption should use the following addresses:. Box Baltimore, MD Rowe Price Attn. Rowe Price Financial Institution Services. Note : Your transaction will receive the share price for the business day that the request is received by T.

ET , which could differ from the day that the request is received at the post office box. Investor Centers To place a transaction or to sit down one-on-one with a counselor for investment guidance or to discuss a full range of investment topics, you may visit one of the T. Rowe Price Investor Centers at the following locations:.

Baltimore Investor Center. Colorado Springs Investor Center. Colorado Springs, CO Three Financial Center. Tampa Investor Center. Boy Scout Boulevard, 8th Floor. Tampa, FL Tysons Corner Investor Center. McLean, VA Washington, D. Accounts Held Through Financial Intermediaries. If you hold shares of a fund through a financial intermediary, you must contact your financial intermediary to determine the requirements for opening a new account and placing transactions.

Financial intermediaries should refer to the following information. Telephone To open a new account, place transactions, or ask any question about an account, please call Financial Institution Services at By Mail Financial intermediaries should send new account agreements and other documentation to the following addresses:.

Each fund intends to qualify to be treated each year as a regulated investment company under Subchapter M of the Internal Revenue Code of , as amended. In order to qualify, a fund must satisfy certain income, diversification, and distribution requirements. A regulated investment company is not subject to U. However, if a fund were to fail to qualify as a regulated investment company and was ineligible to or otherwise did not cure such failure, the result.

To the extent possible, all net investment income and realized capital gains are distributed to shareholders. Dividends and Other Distributions. Distributions not reinvested may be paid by check or transmitted to your bank account via Automated Clearing House or may be automatically invested into another fund account.

If the U. Postal Service cannot deliver your check or if your check remains uncashed for six months, the fund reserves the right to reinvest your distribution check in your account at the net asset value on the day of the reinvestment and to reinvest all subsequent distributions in additional shares of the fund. Interest will not accrue on amounts represented by uncashed distributions or redemption checks. The following table provides details on dividend payments:.

Money market funds. Rowe Price by noon ET begin to earn dividends on that day. Shares purchased via a wire received after noon ET and through other methods normally begin to earn dividends on the business day after payment is received by T.

Learn about the T. Rowe Price Global Stock Fund (Extended Version)

Bond funds. These stock funds only:. Other stock funds. If you purchase and redeem your shares through a financial intermediary, consult your financial intermediary to determine when your shares begin and stop accruing dividends as the information previously described may vary. Capital Gain Payments. A capital gain or loss is the difference between the purchase and sale price of a security. If a fund has net capital gains for the year after subtracting any capital losses , they are usually declared and paid in December to shareholders of record on a specified date that month.

If a second distribution is necessary, it is generally paid the following year. A fund may have to make additional capital gain distributions, if necessary, to comply with the applicable tax law. Capital gains are not expected from government or retail money market funds since they are managed to maintain a stable share price. However, if a money market fund unexpectedly has net capital gains for the year after subtracting any capital losses , the capital gain may be declared and paid in December to shareholders of record.

In most cases, you will be provided information for your tax filing needs no later than mid-February. If you invest in the fund through a tax-deferred account, such as an IRA or employer-sponsored retirement plan, you will not be subject to tax on dividends and distributions from the fund or the sale of fund shares if those amounts remain in the tax-deferred account. You may receive a Form R or other Internal Revenue Service forms, as applicable, if any portion of the account is distributed to you.

If you invest in the fund through a taxable account, you generally will be subject to tax when:. This includes the portion of ordinary dividends derived from interest, short-term capital gains, distributions from nonqualified foreign corporations, and dividends received by the fund from stocks that were on loan. Little, if any, of the ordinary dividends paid by the Global Real Estate Fund, Real Estate Fund, bond funds, or money market funds is expected to qualify for this lower rate. Little, if any, of the ordinary dividends paid by the international stock funds, bond funds, or money market funds is expected to qualify for this deduction.

If you hold your fund through a financial intermediary, the financial intermediary is responsible for providing you with any necessary tax forms. You should contact your financial intermediary for the tax information that will be sent to you and reported to the Internal Revenue Service. When you sell shares in any fund, you may realize a gain or loss.

An exchange from one fund to another fund in a taxable account is also a sale for tax purposes. However, an exchange from one fund into a money market fund may result in a gain or loss on the fund from which shares were redeemed. Shares of the same fund you acquire through dividend reinvestment are shares purchased for the purpose of the wash sale rule and may trigger a disallowance of the loss for shares sold or exchanged within the day period of the dividend reinvestment.

Any loss disallowed under the wash sale rule is added to the cost basis of the purchased shares. Rowe Price or your financial intermediary will make available to you Form B, if applicable, no later than mid-February, indicating the date and amount of each sale you made in the fund during the prior year. This information will also be reported to the Internal Revenue Service.

For most new accounts or those opened by exchange in or later, we will provide you with the gain or loss on the shares you sold during the year based on the average cost single category method. You may calculate the cost basis using other methods acceptable to the Internal Revenue Service, such as specific identification. Our default method is average cost. For any fund shares acquired through a financial intermediary after , you should check with your financial intermediary regarding the applicable cost basis method. Therefore, you should save your transaction records to make sure the information reported on your tax return is accurate.

To help you maintain accurate records, T. Rowe Price will make available to you a confirmation promptly following each transaction you make except for systematic purchases and systematic redemptions and a year-end statement detailing all of your transactions in each fund account during the year. If you hold your fund through a financial intermediary, the financial intermediary is responsible for providing you with transaction confirmations and statements.

Taxes on Fund Distributions. Rowe Price or your financial intermediary will make available to you, as applicable, generally no later than mid-February, a Form DIV, or other Internal Revenue Service forms, as required, indicating the tax status of any income dividends, dividends exempt from federal income taxes, and capital gain distributions made to you. This information will be reported to the Internal Revenue Service.

Taxable distributions are generally taxable to you in the year in which they are paid. A dividend declared in October, November, or December and paid in the following January is generally treated as taxable to you as if you received the distribution in December. Dividends from tax-free funds are generally expected to be tax-exempt for federal income tax purposes. Your bond fund and money market fund dividends for each calendar year will include dividends accrued up to the first business day of the next calendar year.

Ordinary dividends and capital gain dividends may also be subject to state and local taxes. You will be sent any additional information you need to determine your taxes on fund distributions, such as the. Taxable distributions are subject to tax whether reinvested in additional shares or received in cash. The tax treatment of a capital gain distribution is determined by how long the fund held the portfolio securities, not how long you held the shares in the fund. Short-term one year or less capital gain distributions are taxable at the same rate as ordinary income, and gains on securities held for more than one year are taxed at the lower rates applicable to long-term capital gains.

If you realized a loss on the sale or exchange of fund shares that you held for six months or less, your short-term capital loss must be reclassified as a long-term capital loss to the extent of any long-term capital gain distributions received during the period you held the shares. For funds investing in foreign securities, distributions resulting from the sale of certain foreign currencies, currency contracts, and the foreign currency portion of gains on debt securities are taxed as ordinary income. Net foreign currency losses may cause monthly or quarterly dividends to be reclassified as returns of capital.

The tax status of certain distributions may be recharacterized on year-end tax forms, such as your Form DIV. Certain funds, including international bond funds and funds that invest significantly in REITs, are more likely to recharacterize a portion of their distributions as a result of their investments. If the fund qualifies and elects to pass through nonrefundable foreign income taxes paid to foreign governments during the year, your portion of such taxes will be reported to you as taxable income.

However, you may be able to claim an offsetting credit or deduction on your tax return for those amounts. There can be no assurance that a fund will meet the requirements to pass through foreign income taxes paid. If a fund holds certain qualified tax credit bonds and elects to pass through the corresponding interest income and any available tax credits, you will need to report both the interest income and any such tax credits as taxable income.

You may be able to claim the tax credits on your federal tax return as an offset to your income tax. There is no assurance, however, that a fund will elect to pass through the income and credits. You may be subject to backup withholding if we are notified by the Internal Revenue Service to withhold, you have failed one or more tax certification requirements, or our records indicate that your tax identification number is missing or incorrect.

Backup withholding is not an additional tax and is generally available to credit against your federal income tax liability with any excess refunded to you by the Internal Revenue Service. The following table provides additional details on distributions for certain funds:. Tax-Free and Municipal Funds. Retirement, Spectrum, and Target Funds. Tax Consequences of Liquidity Fees. To the extent that a fund has sufficient earnings and profits to support the distribution, the additional dividends would be taxable as ordinary income to shareholders and would be eligible for deduction by the fund.

Tax Consequences of Hedging. Entering into certain transactions involving options, futures, swaps, and forward currency exchange contracts may result in the application of the mark-to-market and straddle provisions of the Internal Revenue Code. These provisions could result in a fund being required to distribute gains on such transactions even though it did not close the contracts during the year or receive cash to pay such distributions.

The fund may not be able to reduce its distributions for losses on such transactions to the extent of unrealized gains in offsetting positions. Such distributions can occur even in a year when the fund has a negative return. The Statement of Additional Information is incorporated by reference into this prospectus, which means that it is legally part of this prospectus even if you do not request a copy. These documents and updated performance information are available through troweprice.

For inquiries about the fund and to obtain free copies of any of these documents, call If you invest in the fund through a financial intermediary, you should contact your financial intermediary for copies of these documents. Copies of this information may be obtained, after paying a duplicating fee, by electronic request at publicinfo sec. Rowe Price Prime Reserve Fund. Rowe Price Institutional U. Rowe Price QM U. Rowe Price Reserve Investment Fund. Rowe Price U. Mailing Address:. Rowe Price Investment Services, Inc. This SAI is not a prospectus but should be read in conjunction with the appropriate current fund prospectus, which may be obtained from T.

Management of the Funds. Distributor for the Funds. Portfolio Transactions. Independent Registered Public. Accounting Firm. Fitch Ratings, Inc. Rowe Price Singapore Private Ltd. Rowe Funds are offered in more than one share class, not all funds are offered in the share classes described below. The Investor Class may be purchased directly through T.

Unrated Organization

A Price Fund other than an Institutional Fund that does not indicate a specific share class after its name is considered to be the Investor Class of that fund. The Advisor Class must be purchased through an eligible intermediary except for certain retirement plans held directly with T. The R Class is designed to be sold only through various third-party intermediaries that offer employer-sponsored defined contribution retirement plans and certain other accounts, including brokers, dealers, banks, insurance companies, retirement plan recordkeepers, and others.

The R Class must be purchased through an eligible intermediary except for certain retirement plans held directly with T. Institutional Funds. The F Class is a separate share class of certain Institutional Funds and is designed to be sold only through financial advisors and certain third-party intermediaries, including brokers, banks, insurance companies, retirement plan recordkeepers, and other financial intermediaries that provide various distribution and administrative services.


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The F Class cannot be purchased directly through T. Rowe Price and must be purchased through an intermediary. These funds are not available for direct purchase by members of the public. Shares of these funds may only be purchased by or on behalf of mutual funds, Section college savings plans, or certain institutional client accounts for which T. Rowe Price or one of its affiliates has discretionary investment authority. Below is a table showing the prospectus and shareholder report dates for each fund.

The prospectus date shown for each fund reflects the date that the prospectus will be annually updated once the fund has been in operation at its fiscal year-end. Fiscal Year End. Annual Report Date. Semiannual Report Date. Prospectus Date. International Equity. Oct Apr March 1. Asset Allocation. Dec June May 1. Blue Chip Growth. Fund Category. California Tax-Free Bond. State Tax-Free Bond. Feb Aug July 1. California Tax-Free Money. State Tax-Free Money. Capital Appreciation. Capital Opportunity. Cash Reserves. Taxable Money. Corporate Income.

Taxable Bond. May Nov Oct 1. Credit Opportunities. Diversified Mid-Cap Growth. Dividend Growth. Dynamic Global Bond. Emerging Markets Corporate Bond. Emerging Markets Local Currency Bond. Equity Income. Equity Index Index Equity. The Access T. This is the user name and password you have already established for access to your individual mutual fund accounts, IRA, and Brokerage accounts through troweprice. For detailed information regarding tax form mail dates, please refer to our Tax Information Mailing Schedule. It will not be adjusted in the instance of a wash sale. To adjust the reported loss, edit the imported sale information.

You will be presented with a set of wash sale questions. The holding period is not imported automatically. Edit the sale information in order to distinguish between long- and short-term sales. Yes, you will receive paper copies of tax forms from T. This download feature merely allows you to automatically import your T. As a convenience for individual mutual fund accounts, B imports include cost basis information for both covered shares and noncovered shares to the extent that such information for noncovered shares is available.

This cost basis for mutual funds is calculated using using Average Cost as the default method unless you chose another method. Due to e-file limitations, you will be unable to e-file if you have imported more than 10 R forms combined from all of your financial institutions. Yes, you will be able to import tax form data into TurboTax for individual mutual fund accounts and IRAs until October They are not provided by T.

Transactions that are not reportable on Form B, such as options sales, will not have their associated cost basis information imported. Even though T. You will still receive your forms in the mail. Please note that the corrected is the official document sent to the IRS by T. SSL protects information as it crosses the Internet. To support this technology, you need an SSL-capable browser.

Microsoft's Internet Explorer 6. It is important that you consult a professional tax advisor regarding your individual tax situation. It is important to understand that the tax information imported from T. This material was not intended or written to be used, and it cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer under U. Although T. Navigate To Login Help. Account Information. Account Performance. Brokerage Resource Center. Communication Preferences. Mobile Apps. Help Center Quick Links.