Call 1-800-225-5132 to request a prospectus or summary prospectus; each includes investment objectives, risks, fees, expenses, and other information you should read and consider carefully before investing.
1Money market mutual funds, although not covered by the FDIC’s federal deposit insurance, tend to provide slightly higher yields than bank savings accounts and CDs over time. Banks may provide money market savings accounts, which are different than money market mutual funds.
Important Information
Past performance does not guarantee future results. All investments are subject to market risk, including possible loss of principal.
Retail Money Market Funds: You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. The Fund may impose a fee upon the sale of your shares or may temporarily suspend your ability to sell shares if the Fund’s liquidity falls below required minimums because of market conditions or other factors. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.
Government Money Market Funds: You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.
Additional Disclosures
S&P — The “S&P 500 Index” is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (SPDJI), and has been licensed for use by T.RowePrice. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (S&P); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones). T.RowePrice’s product is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product, nor do they have any liability for any errors, omissions, or interruptions of the “S&P 500 Index.”
FTSE — Source: London Stock Exchange Group PLC and its group undertakings (collectively, the “LSE Group”). © LSE Group 2023. FTSE Russell is a trading name of certain of the LSE Group companies. “FTSE®” is a trademark of the relevant LSE Group companies and is used by any other LSE Group company under license.
All rights in the FTSE Russell indexes or data vest in the relevant LSE Group company that owns the index or the data. Neither LSE Group nor its licensors accept any liability for any errors or omissions in the indexes or data, and no party may rely on any indexes or data contained in this communication. No further distribution of data from the LSE Group is permitted without the relevant LSE Group company’s express written consent. The LSE Group does not promote, sponsor, or endorse the content of this communication.
This material is provided for general and educational purposes only and is not intended to provide legal, tax, or investment advice. This material does not provide recommendations concerning investments, investment strategies, or account types; it is not individualized to the needs of any specific investor and is not intended to suggest that any particular investment action is appropriate for you, nor is it intended to serve as the primary basis for investment decision-making. Any tax-related discussion contained in this material, including any attachments/links, is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding any tax penalties or (ii) promoting, marketing, or recommending to any other party any transaction or matter addressed herein. Please consult your independent legal counsel and/or tax professional regarding any legal or tax issues raised in this material.
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As an experienced financial expert with a proven track record in the field, I want to shed light on the crucial concepts embedded in the provided investment information. My deep understanding of financial markets and investment instruments positions me well to dissect the intricacies of the details presented.
Let's delve into the key concepts and messages conveyed in the provided information:
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Prospectus and Summary Prospectus:
- The contact number (1-800-225-5132) is provided for individuals to request a prospectus or summary prospectus.
- These documents contain essential information such as investment objectives, risks, fees, expenses, and other critical details.
- Investors are strongly advised to read and consider the prospectus or summary prospectus carefully before making any investment decisions.
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Money Market Mutual Funds:
- Not covered by FDIC federal deposit insurance, unlike bank savings accounts.
- Tend to offer slightly higher yields compared to bank savings accounts and CDs over time.
- It's highlighted that money market savings accounts from banks are distinct from money market mutual funds.
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Risk Disclosure:
- Past performance is not indicative of future results.
- All investments are subject to market risk, including the potential loss of principal.
- Specific warnings are given about Retail Money Market Funds and Government Money Market Funds.
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Fund Value Preservation:
- Funds aim to preserve the value of investments at $1.00 per share, but there are no guarantees.
- The fund may impose fees upon share sale or temporarily suspend the ability to sell shares under certain conditions, such as falling liquidity.
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Insurance and Financial Support:
- Emphasizes that these investments are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any government agency.
- The fund sponsor has no legal obligation to provide financial support, and investors should not expect such support.
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Additional Disclosures:
- Mentions specific disclosures related to the S&P 500 Index and FTSE Russell.
- The S&P 500 Index is licensed for use by T.RowePrice but is not sponsored or endorsed by SPDJI, Dow Jones, S&P, or their affiliates.
- Similar disclaimers apply to the use of FTSE Russell data.
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Educational Material:
- The provided material is intended for general and educational purposes only.
- It does not offer legal, tax, or investment advice.
- Investors are urged to consult their independent legal counsel and/or tax professionals for personalized advice.
In summary, this information emphasizes the importance of informed decision-making in investments, underscores the risks associated with various funds, and provides a cautionary note regarding the lack of guarantees and insurance. Investors are strongly encouraged to educate themselves through the provided documents and seek professional advice tailored to their specific financial situations.
