Build T. Rowe Price ActivePlus Portfolios With ETFs, Robo-Like Portfolios

Learn how to build T. Rowe Price Activeplus portfolios with ETFs. How do they compare against other portfolios like Schwab's?
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What are the T. Rowe Price ActivePlus portfolios?

The T. Rowe Price ActivePlus Portfolios are exposed to between 20% and 100% stocks and 0% to 80% bonds. They can be built with just 6-13 ETFs. They range from very low-risk to high-risk portfolios.

For the past 10 years T. Rowe Price ActivePlus Portfolio 80 returned 5.37 with a standard deviation of 12.27. The dividend yield is 2.29. The 30-year return is 8.66%. Year to date T. Rowe Price ActivePlus Portfolio 80 has returned 15.18%%. Last year it returned 5.3%.

What is the historical return of T. Rowe Price ActivePlus Portfolios?

Here is the historical return of the 60/40 portfolio

NameAsset class countYear to dateReturn in 202010 year returnCAGR since 1989 (%)Risk levelExpense ratio
T. Rowe Price ActivePlus Portfolio, Model 1050.22%7.494.256.3410.04%
T. Rowe Price ActivePlus Portfolio, Model 2041.60%8.765.326.9410.04%
T. Rowe Price ActivePlus Portfolio, Model 3043.20%10.146.137.3410.04%
T. Rowe Price ActivePlus Portfolio, Model 4044.88%11.216.947.710.04%
T. Rowe Price ActivePlus Portfolio, Model 5046.26%12.557.628.0620.04%
T. Rowe Price ActivePlus Portfolio, Model 6047.77%13.738.398.3620.04%
T. Rowe Price ActivePlus Portfolio, Model 7049.30%14.879.138.6420.04%
T. Rowe Price ActivePlus Portfolio, Model 80310.86%15.999.858.8730.04%
T. Rowe Price ActivePlus Portfolio, Model 90312.43%17.0210.559.0830.04%
T. Rowe Price ActivePlus Portfolio, Model 100214.14%18.0611.249.2430.05%

How does T. Rowe Price ActivePlus portfolios compare to the best portfolios?

Below you can see the returns of the best portfolios that we have benchmarked.

NameSee PortfolioYear to dateReturn in 202010 year returnCAGR since 1989 (%)Draw Down
Premium Portfolio15.92%18.2913.8410.77-37.63%
Premium Portfolio8.30%18.118.6311.14-44.87%
Premium Portfolio13.48%19.712.8410.49-32.77%
Premium Portfolio20.78%3.198.5210.59-36.46%
Premium Portfolio20.17%3.668.6210.48-36.35%
Premium Portfolio15.18%21.0313.7810.83-37.00%
Premium Portfolio19.24%8.711.5610.65-35.26%
Premium Portfolio15.41%7.488.3910.64-37.91%
Premium Portfolio16.16%5.3610.8811.23-35.43%
Premium Portfolio20.81%3.4210.2110.47-40.85%

How do you build T. Rowe Price ActivePlus Portfolios with ETFs?

Here is how you build T. Rowe Price ActivePlus portfolios with ETFs

This is for T. Rowe Price ActivePlus Portfolio, Model 80, find all the other portfolio recipes below.

  • 41.00% Large-Cap Blend (S&P 500)
  • 6.4% Mid-cap Blend
  • 5.8% Small-cap Blend
  • 4.00%REITs
  • 19.40% International Developed
  • 3.40% Emerging Markets
  • 2.9% Long Term Treasury
  • 10.00% Total Bond Market
  • 2.10% Inter. Term Corporate Bond
  • 2.00% High Yield Corporate Bonds
  • 3.00% International Bonds

What is T. Rowe Price?

T. Rowe Price is a US-based asset management company with $1.3 trillion under management (2019). They offer a host of services. Managed portfolios is one of them. They derive their profit from managing active mutual funds.

It was founded in 1937 by Thomas Rowe Price, Jr., who is best known for developing the growth stock philosophy of investing.

Cornelius C. Bond has written a rather excellent biography on T. Rowe Price.

It is called T. Rowe Price: The Man, The Company, and The Investment Philosophy.

bookcover-for-t-rowe-price-the-man-the-company-and-the-investment-company.

Description of T. Rowe Price ActivePlus Portfolios

The portfolios presented here are the asset allocations that the model portfolios are benchmarked against. The managed portfolios use T. Rowe Price actively managed funds.

The ActivePlus portfolios look a lot like robo-advisor portfolios. They have a very similar questionnaire when they try to find out which allocation is best suited for you.

T. Rowe Price ActivePlus have a selection of ten different portfolios. They range from a very conservative portfolio containing 10% stocks to an aggressive portfolio that includes 100% stocks.

T. Rowe Price ActivePlus Portfolios is a convenient way to invest based on your time line and risk tolerance

The fees of the T. Rowe Price ActivePlus Portfolios program range from 0.57% to 0.79%.

Asset Allocation for T. Rowe Price ActivePlus Portfolios

Note: Please check the fund prospectus for the exact asset allocation and funds to use.

T. Rowe Price uses T. Rowe Price funds for the ActivePlus portfolios.

T. Rowe Price ActivePlus Portfolio, Model 10

  • 7.00% Large-Cap Blend (S&P 500)
  • 3.00% International Developed
  • 3.00% Long Term Treasury
  • 27.00% Total Bond Market
  • 7.50% Inter. Term Corporate Bond
  • 20.00% Short Term Govt/Corp Bond
  • 10.00% T-bills/Treasury Money Market
  • 6.00% High Yield Corporate Bonds
  • 9.00% International Bonds
  • 7.50% Emerging Markets Bonds

T. Rowe Price ActivePlus Portfolio, Model 20

  • 14.00% Large-Cap Blend (S&P 500)
  • 6.00% International Developed
  • 3.00% Long Term Treasury
  • 27.00 %.Total Bond Market
  • 7.50% Inter. Term Corporate Bond
  • 20.00% Short Term Govt/Corp Bond
  • 6.00% High Yield Corporate Bonds
  • 9.00% International Bonds
  • 7.50% Emerging Markets Bonds

T. Rowe Price ActivePlus Portfolio, Model 30

  • 18.70% Large-Cap Blend (S&P 500)
  • 2.30 % Small-cap Blend
  • 9.00% International Developed
  • 3.50% Long Term Treasury
  • 22.50% Total Bond Market
  • 5.70% Inter. Term Corporate Bond
  • 20.00% Short Term Govt/Corp Bond
  • 5.00% High Yield Corporate Bonds
  • 7.50% International Bonds
  • 5.70% Emerging Markets Bonds

T. Rowe Price ActivePlus Portfolio, Model 40

  • 23.70% Large-Cap Blend (S&P 500)
  • 2.9% Small-cap Blend
  • 11.40% International Developed
  • 3.6% Long Term Treasury
  • 19.40% Total Bond Market
  • 4.60% Inter. Term Corporate Bond
  • 27.00% Short Term Govt/Corp Bond
  • 4.30% High Yield Corporate Bonds
  • 6.50% International Bonds
  • 4.60% Emerging Markets Bonds
  •  

T. Rowe Price ActivePlus Portfolio, Model 50

  • 25.60% Large-Cap Blend (S&P 500)
  • 4.00% Mid-cap Blend
  • 3.7% Small-cap Blend
  • 2.10% REITs
  • 12.10% International Developed
  • 2.1% Emerging Markets
  • 3.6% Long Term Treasury
  • 17.10% Total Bond Market
  • 3.90% Inter. Term Corporate Bond
  • 12.00% Short Term Govt/Corp Bond
  • 3.80% High Yield Corporate Bonds
  • 5.70% International Bonds
  • 3.90% Emerging Markets Bonds

T. Rowe Price ActivePlus Portfolio, Model 60

  • 30.70% Large-Cap Blend (S&P 500)
  • 4.80% Mid-cap Blend
  • 4.40% Small-cap Blend
  • 3.00% REITs
  • 14.50% International Developed
  • 2.60% Emerging Markets
  • 3.50% Long Term Treasury
  • 14.80% Total Bond Market
  • 3.20% Inter. Term Corporate Bond
  • 7.00% Short Term Govt/Corp Bond
  • 3.30% High Yield Corporate Bonds
  • 5.00% International Bonds
  • 3.20% Emerging Markets Bonds

T. Rowe Price ActivePlus Portfolio, Model 70

  • 35.80% Large-Cap Blend (S&P 500)
  • 5.60% Mid-cap Blend
  • 5.10% Small-cap Blend
  • 3.50% REITs
  • 17.00% International Developed
  • 3.00% Emerging Markets
  • 3.30% Long Term Treasury
  • 12.20% Total Bond Market
  • 2.40% Inter. Term Corporate Bond
  • 3.00% Short Term Govt/Corp Bond
  • 2.70% High Yield Corporate Bonds
  • 4.00% International Bonds
  • 2.40% Emerging Markets Bonds

T. Rowe Price ActivePlus Portfolio, Model 80

  • 41.00% Large-Cap Blend (S&P 500)
  • 6.4% Mid-cap Blend
  • 5.8% Small-cap Blend
  • 4.00%REITs
  • 19.40% International Developed
  • 3.40% Emerging Markets
  • 2.9% Long Term Treasury
  • 10.00% Total Bond Market
  • 2.10% Inter. Term Corporate Bond
  • 2.00% High Yield Corporate Bonds
  • 3.00% International Bonds

T. Rowe Price ActivePlus Portfolio, Model 90

  • 46.00% Large-Cap Blend (S&P 500)
  • 7.2% Mid-cap Blend
  • 6.6% Small-cap Blend
  • 4.50% REITs
  • 21.90% International Developed
  • 3.80% Emerging Markets
  • 2.0% Long Term Treasury
  • 8.00% Total Bond Market

T. Rowe Price ActivePlus Portfolio, Model 100

  • 51.20% Large-Cap Blend (S&P 500)
  • 8% Mid-cap Blend
  • 7.3% Small-cap Blend
  • 5.00% REITs
  • 24.20% International Developed
  • 4.30% Emerging Markets

Here is how we select the right ETFs

There are a lot of ETFs! It is laborious work to sift through hundreds and hundreds of ETFs just to find the right one, but it is worth it!

Finding the right and BEST ETF could earn you a lot more money than number two.

We have carefully selected an ETF for each asset class that the portfolios on portfolioeinstein.com use. If you want to read more about our selection process and see what we consider the best ETFs please visit our article What Is The Best ETF?

If you are a European investor you need to buy European ETFs. We have listed 47 of the best ETFs in our article What Are The Best ETFs For European Investors? (Here Is 47).

As of 2021 we also track socially responsible investing ESG portfolios. Socially responsible investing (ESG) portfolios prioritize investing that puts an emphasis on environmental, social, and corporate governance issues.

You can find the socially responsible investing ESG ETFs in the same article.

Resources for T. Rowe Price ActivePlus Portfolios

Dive a little deeper into who T. Rowe Price was in the book T. Rowe Price: The Man, The Company, and The Investment Philosophy

T. Rowe Price has a YouTube channel that they update sometimes.

Suggestions for your next steps

Finding the correct portfolio is hard. Maintaining your portfolio is also daunting. If you are still in doubt about which portfolio to choose, we suggest you read our article How To Invest Money: 5 Simple Steps That Work For Anyone

If you have already committed to a portfolio – good for you! If you need help maintaining the portfolio you will find our rebalance worksheet useful. Rebalancing your portfolio lowers your risk and may provide higher returns in the long run. It is completely FREE.

You can find the rebalance worksheet in our article Here Is The Most Easy To Use Portfolio Rebalance Tool.

Rebalancing lowers your portfolio risk and may increase your returns.


If you want access to our high-performing portfolios then you need to take a look at the premium portfolios. This is a paid product that gives you the 59 best-performing portfolios since 1989. The portfolios represent a great opportunity for you to have a shot at increasing the returns of your portfolio.

Portfolioeinstein Premium Portfolios

Related Questions

What does T. Rowe Price do?
T. Rowe Price is a mutual fund company that provides active mutual funds to investors. They offer financial advice, including retirement advisory services.

Can you buy stocks with T. Rowe Price?
Yes, you can buy individual stocks, ETF, and mutual funds when you have an account with T. Rowe Price.

Which is better, Fidelity, or Vanguard?
Vanguard fund has provided the highest returns on average of all mutual fund providers. This is because of its low cost.

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