|Participant Experience||Sponsor Services||IRA Rollover|
When it's time to think about your retirement, Transamerica has the tools and resources that make it easy to plan. So you can do more than think about your future, you can plan for a brighter one. Has tomorrow become real for you?
A leader in the retirement plan industry.
Leveraging expertise honed by more than 75 years in business, we serve more than 3 million retirement plan participants across the entire spectrum of defined benefit and defined contribution plans, including 401(k) and 403(b) (Traditional and Roth), 457, profit sharing, money purchase, cash balance, Taft-Hartley, multiple employer plans, nonqualified deferred compensation, and rollover IRAs.
We make it easier for people to take the right steps toward a more secure financial future. Our proven approach and personalized tools are designed to meet people's needs at every life stage and give them the confidence and ability to achieve a brighter, more comfortable retirement.
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Did you know?
If you start saving for retirement at age 35, and earn $40,000 per year, you will need to save at least 12.2% each year going forward to potentially achieve a fully funded retirement.1
1 Assumptions: Retirement at age 65, with a goal of replacing 80% of final working income for life. Source: Ibbotson et al, "National Savings Rate Guidelines for Individuals," Journal of Financial Planning, April 2007.
Our online planning tool, OnTrack®, provides a personalized snapshot of your complete financial picture, and helps you assess whether your current strategy has you on pace toward achieving your retirement income goals. In fact, the more information you provide, the more comprehensive Your Retirement OutlookSM will be.
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Your Retirement Outlook presents a statistical probability assessment of the likelihood of reaching a retirement income goal. It uses your current retirement savings plan information, including your current account balance, your current contributions, and the way in which you are invested, as well as estimated Social Security payments and your pension information. Your Retirement Outlook also uses assumptions about inflation rates and financial market returns based on historical data.
IMPORTANT: The projections or other information generated by the OnTrack® tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Moreover, even though the tool’s estimates are statistically sound based upon the simulations it runs, the tool cannot foresee or account for every possible scenario that may negatively impact your financial situation. Thus you should monitor your account regularly and base your investment decisions on your time horizon, risk tolerance, and personal financial situation, as well as on the information in the prospectuses for investments you consider.
Automatically shifts from growth to income.
Sometimes too much choice can be confusing. PortfolioXpress® enables a simple diversification strategy that can automatically shift from growth to income focus over time.
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PortfolioXpress® presents a series of asset allocation models based on a designated retirement year. The participant is solely responsible for selecting the retirement year and risk preference (if applicable). In implementing the service, the participant agrees to each of the asset allocation mixes and automated rebalancing transactions that will take place over time within the account. For participants who do not designate a retirement year, the plan sponsor will set their target retirement year as the year in which they attain age 65. Participants can change their target retirement year, or turn PortfolioXpress® off, at any time. The participant will continue to bear the fees of the underlying funds in which the account is invested. Please check your PortfolioXpress® agreement for any additional fees that may apply to your specific plan regarding this service. Retirement date portfolios are subject to the same risks as the underlying asset classes in which they invest. The higher the portfolio's allocation to stocks, the greater the risk. The principal value of the portfolio is not guaranteed at any time, including at and after the target date. PortfolioXpress® is a registered service mark of Transamerica Retirement Solutions Corporation.
Securities offered through Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY 10528. Investment advisory services focused on the unique needs of individual retirees, retirement plans and their participants offered by Transamerica Retirement Advisors, Inc. (TRA), a registered investment advisor. Institutional investment advisory services provided by TRA. Transamerica Retirement Solutions, TRA, and TISC are affiliated companies.
Take control of your retirement savings strategy.
Changing jobs? Approaching retirement? Enjoy the convenience of total control over your available investment options combined with the tax-deferred benefits of a traditional retirement savings plan. Our counselors are ready to help you roll over your previous employer-sponsored retirement savings to the Transamerica IRA.
Learn more about the benefits of a Transamerica IRA
Securities offered by Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY 10528. TISC and Transamerica Retirement Solutions are affiliated companies.
There are people alive today who will live to see 150.* Are they saving enough?
Interested in partnering on a retirement savings plan for your employees? Already in a plan and have questions? We can help.