-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, E8Pqd3IC1SWNOwH5Zr7MIeLDGVsxozg30cYP+tmzz7jHDyq5xUUHqDkmyxCzGCW9 XiS7EyG+2qrixK5fX2Vqcw== 0000773485-07-000015.txt : 20071018 0000773485-07-000015.hdr.sgml : 20071018 20071018103342 ACCESSION NUMBER: 0000773485-07-000015 CONFORMED SUBMISSION TYPE: 497K3B PUBLIC DOCUMENT COUNT: 4 FILED AS OF DATE: 20071018 DATE AS OF CHANGE: 20071018 EFFECTIVENESS DATE: 20071018 FILER: COMPANY DATA: COMPANY CONFORMED NAME: T. Rowe Price New America Growth Fund CENTRAL INDEX KEY: 0000773485 IRS NUMBER: 521416752 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 497K3B SEC ACT: 1933 Act SEC FILE NUMBER: 002-99122 FILM NUMBER: 071177999 BUSINESS ADDRESS: STREET 1: 100 EAST PRATT STREET CITY: BALTIMORE STATE: MD ZIP: 21202 BUSINESS PHONE: 410-345-2000 MAIL ADDRESS: STREET 1: 100 EAST PRATT STREET CITY: BALTIMORE STATE: MD ZIP: 21202 FORMER COMPANY: FORMER CONFORMED NAME: PRICE T ROWE NEW AMERICA GROWTH FUND DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: PRICE T ROWE COMMON STOCK FUND DATE OF NAME CHANGE: 19851003 0000773485 S000002104 T. Rowe Price New America Growth Fund C000005476 T. Rowe Price New America Growth Fund PRWAX 497K3B 1 nag.htm <R>
October 1, 2007
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Fund Profile

T. Rowe Price

New America Growth Fund

A stock fund seeking long-term capital growth by investing primarily in the common stocks of growth companies.

This profile summarizes key information about the fund that is included in the fund`s prospectus. The fund`s prospectus includes additional information about the < /i>fund, including a more detailed description of the risks associated with investing in the fund that you may want to consider before you invest. You may obtain the prospectus and other information about the fund at no cost by calling 1-800-638-5660 or by visiting our Web site at
troweprice.com.

®



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Fund Profile

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T.x11 Rowe Price N ew America Growth Fundxd1 PRWAX
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What is the fund`s objective?

The fund seeks to provide long-term capital growth by investing primarily in the common stocks of growth companies.

What is the fund`s principal investment strategy?

We invest primarily (at least 65% of total assets) in common stocks of U.S. companies operating in those sectors of the economy that, in the view of T. Rowe Price, are the fastest growing or have the greatest growth potential. In recent years, the U.S. economy has evolved rapidly, primarily because of the application of new technologies and scientific advances. Fast-growing companies can be found across an array of industries in today`s "new America." The choice of industry sectors will generally reflect such factors as the overall revenue growth of the component companies and the sector`s contribution to gross domestic product from year to year.

Holdings range from large-cap to small companies. In selecting stocks, we look for many characteristics, typically including, but not limited to:

  • earnings growth rates that generally exceed that of the ave rage company in the S&P 500 Stock Index;
  • favorable company fundamentals, such as a strong balance sheet, sound business strategy, and promising competitive positioning;
  • effective management; or
  • stock valuations, such as price/earnings or price/cash flow ratios, that seem reasonable relative to the company`s prospects.
  • In pursuing its investment objective, the fund`s management has the discretion to purchase some securities that do not meet its normal investment criteria, as described above, when it perceives an unusual opportunity for gain. These special situations might arise when the fund`s management believes a security could increase in value for a variety of reasons, including a change in management, an extraordinary corporate event, or a temporary imbalance in the supply of or demand for the securities.

    While most assets will be invested in U.S. common stocks, other securities may also be purchased, including foreign stocks, futures, and options, in keeping with fund objectives.

    The fund may sell securities for a variety of reasons, such as to secure gains, limit losses, or redeploy assets into more promising opportunities.

    Certain investment restrictions, such as a required minimum or maximum investment in a particular type of security, are measured at the time the fund purchases a security. The status, market value, maturity, credit quality, or other


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    Fund Profile

    characteristics of the fund`s securities may change after they are purchased, and this may cause the amount of the fund`s assets invested in such securities to exceed the stated maximum restriction or fall below the stated minimum restriction. If any of these changes occur, it would not be considered a violation of the investment restriction. However, purchases by the fund during the time it is above or below the stated percentage restriction would be made in compliance with applicable restrictions.

    Further information about the fund`s investments, including a review of market conditions and fund strategies and their impact on performance, is available in the annual and semiannual shareholder reports. To obtain free copies of these documents, call 1-800-638-5660. These documents are also available at troweprice.com.

    What are the main risks of investing in the fund?

    The fund may e ntail above-average risk since growth companies pay few dividends and are typically more volatile than slower-growing companies with high dividends. Generally, stocks of companies in rapidly evolvingand often highly competitiveindustries are subject to significant price swings. Since investors buy these stocks because of their expected superio r earnings growth, earnings disappointments, even small ones, can result in sharp price declines. Changes in investor psychology from positive to negative can also cause growth stocks to lose value because of the high valuations they typically carry. The level of risk will be increased if the fund has significant exposure to small-company stocks, which tend to be more volatile than large-company stocks because of their limited product lines, markets, or financial resources. In addition, picking long-term winners in the early stages of developing new industries is very difficult. Promising new fields tend to attract a great deal of competition and capital investment, and the increasingly fast pace of technological change can render an established company`s products and services obsolete virtually overnight.

    As with all equity funds, this fund`s share price can fall because of weakness in the broad market, a particular industry, or specific holdings. The market as a whole can decline for many reasons, including adverse political or economic developments here or abroad, changes in investor psychology, or heavy institutional selling. The prospects for an industry or company may deteriorate because of a variety of factors, including disappointing earnings or changes in the competitive environment. In addition, our assessment of companies held by the fund may prove incorrect, resulting in losses or poor performance even in a rising market. Finally, the fund`s investment approach could fall out of favor with the investing public, resulting in lagging performance versus other types of stock funds.

    Foreign stock holdings may lose value because of declining foreign currencies or adverse political or economic events overseas. Investments in futures and options, if any, are subject to additional volatility and potential losses.


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    Fund Profile

    As with any mutual fund, there can be no guarantee the fund will achieve its objective.

    The fund`s share price may decline, so when you sell your shares, you may lose money. An investment in the fund is not a deposit of a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

    How can I tell if the fund is appropriate for me?

    Consider your investment goals, your time horizon for achieving them, and your tolerance for risk. If you seek long-term appreciation and can accept the potentially higher volatility of growth stocks, the fund could be an appropriate part of your overall investment strategy. This fund should not represent your complete investment program or be used for short-term trading purposes.

    The fund can be used in both regular and tax-deferred accounts, such as IRAs.

    Equity investors should have a long-term investment horizon and be willing to wait out bear markets.

    How has the fund performed in the past?

    The bar chart showing calendar year returns and the average annual total returns table indicate risk by illustrating how much returns can differ from one year to the next and how fund performance compares with that of a comparable market index. Past fund returns (before and after taxes) are not necessarily an indication of future performance.

    The fund can also experience short-term performance swings, as shown by the best and worst calendar quarter returns during the years depicted.

    In addition, the average annual total returns table shows hypothetical after-tax returns to suggest how taxes paid by the shareholder may influence returns. Actual after-tax returns depend on each investor`s situation and may differ from those shown. After-tax returns are not relevant if the shares are held in a tax-deferred account, such as a 401(k) or IRA. During periods of fund losses, the post-liquidation after-tax return may exceed the fund`s other returns because the loss generates a tax benefit that is factored into the result.


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    Fund Profile

    <R>Table 1  Average Annual Total Returns




    Periods ended 09/30/07











    < br>

    1 year


    5 years


    10 years




    New America Growth Fund




    Returns before taxes
    21.81%
    16.58%
    3.89%

    Returns after taxes on distributions
    20.15
    15.94
    2.68

    Returns after taxes on distributions and sale of fund shares
    15.64
    14.44
    2.95

    S&P 500 Index
    16.44
    15.45
    6.57

    Lipper Multi-Cap Growth Funds Index
    22.20
    16.72
    5.28

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    Returns are based on changes in principal value, reinvested dividends, and capital gain distributions, if any. Returns before taxes do not reflect effects of any income or capital gains taxes. Taxes are computed using the highest federal income tax rate. The after-tax returns reflect the rates applicable to ordinary and qualified dividends and capital gains effective in 2003. The returns do not reflect the impact of state and local taxes. Returns after taxes on distributions reflect the taxed return on the payment of dividends and capital gains. Returns after taxes on distributions and sale of fund shares assume the shares were sold at period-end and, therefore, are also adjusted for any capital gains or losses incurred by the shareholder. Market indexes do not include expenses, which are deducted from fund returns, or taxes.

    S&P 500 Index tracks the stocks of 500 U.S. companies.

    What fees and expenses will I pay?

    The shares that are offered in this profile are 100% no load. There are no fees or charges to buy or sell fund shares, reinvest dividends, or exchange into other T. Rowe Price funds. There are no 12b1 fees.


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    Fund Profile

    Table 2  Fees and Expenses of the Fund*




    Annual fund operating expenses
    (expenses that are deducted from fund assets)

    Management fee
    0.66%
    Other expenses
    0.23%
    Total annual fund operating expenses
    0.89%

    *Redemption proceeds of less than $5,000 sent by wire are subject to a $5 fee paid to the fund. Accounts with less than a $2,000 balance (with certain exceptions) are subject to a $10 fee.

    Example.  The following table gives you an idea of how expense ratios may translate into dollars and helps you to compare the cost of investing in this fund with that of other mutual funds. Although your actual costs may be higher or lower, the table shows how much you would pay if operating expenses remain the same, you invest $10,000, earn a 5% annual return, hold the investment for the following periods, and then redeem:


    1 year


    3 years


    5 years


    10 years

    $91
    $284
    $493
    $1,096

    Who manages the fund?

    The fund is managed by T.  Rowe Price Associates, Inc. (T. Rowe Price). Founded in 1937, T. Rowe Price and its affiliates manage investments for individual and institutional accounts. The company offers a comprehensive array of stock, bond, and money market funds directly to the investing publ ic.

    Joseph M. Milano manages the fund day to day and has been chairman of its Investment Advisory Committee since 2002. He joined T. Rowe Price in 1996 and has been managing investments since 1999.

    To participants in employer-sponsored retirement plans: The following questions and answers about buying and selling shares and services do not apply to your plan. Please call your plan`s toll-free number for additional information.

    How can I purchase shares?

    Fill out the New Account Form and return it with your check in the postpaid envelope. The minimum initial purchase is $2,500 ($1,000 for IRAs and gifts or transfers to minors). The minimum subsequent investment is $100 ($50 for IRAs, gifts or transfers to minors, or Automatic Asset Builder). You can also open an account by bank wire, by exchanging from another T. Rowe Price fund, or by transferring assets from another financial institution.


    Fund Profile

    How can I sell shares?

    You may redeem or sell any portion of your account on any business day. Simply write to us or call. You can also access your account at any time via Tele*Access& #160;SM or our Web site. We offer convenient exchange among our entire family of domestic and international funds. Restrictions may apply in special circumstances, and some redemption requests need a signature guarantee.

    When will I receive in come and capital gain distributions?

    The fund distributes income and net capital gains, if any, at year-end. For regular accounts, income and short-term gains are taxable at ordinary income rates, and long-term gains are taxable at the capital gains rate. Distributions are reinvested automatically in additional shares unless you choose another option, such as receiving a check. Distributions paid to IRAs and employer-sponsored retirement plans are automatically reinvested.

    What services are available?

    A wide range, including, but not limited to:

  • retirement plans for individuals and large and small businesses;
  • automated information and transaction services by telephone or computer;
  • electronic transfers between fund and bank accounts;
  • automatic investing and automatic exchange; and
  • brokerage services, including cash ma nagement features.
  • T. Rowe Price Associates, Inc.

    100 East Pratt Street

    Baltimore, MD 21202

    troweprice.com

    RPS F60-035

    T. Rowe Price Investment Services, Inc., Distributor.


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