29th October 2025
T.Rowe Price: Senior members can benefit from personalised asset allocation
Our recent study, conducted in collaboration with experts from Massachusetts Institute of Technology (MIT) Sloan School of Management and Stanford University Graduate School of Business, reveals that as retirement savers age, both their asset allocation preferences and accumulated savings become more varied. This is a summary of the paper, “Age, evolving allocation preferences, and the case for personalized solutions.” We looked at data from T. Rowe Price’s US recordkeeping platform (covering more than 2 million participants) and broader household surveys and found that lower-than-recommended equity allocations are often driven by behavioural frictions—such as inertia and limited investment knowledge—rather than by risk aversion alone.
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