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Retirement planning just got a major upgrade with the
My TRSRetire app.

Available on Apple iOS &
Google Android

Mobile App

Mobile Retirement App

TRS Retire Mobile App

With the My TRSRetire app, connecting with your retirement plan has never been easier.

  • View your account balance and rate of return.
  • Know how close you are to achieving your desired income goal in retirement.
  • Model ways to improve your forecast.
  • Take action right from your device.

Download the app today!

 

About Probability Illustrations, Limitations, and Key Assumptions

The probability illustrations the OnTrack® tool generates are based on “Monte Carlo” simulations of 500 possible investment scenarios for a given time period and assume a range of possible returns. The illustrations are generated according to models developed by Ibbotson Associates, a leading independent provider of asset allocation, analytical, and wealth forecasting software. The Your Retirement OutlookSM graphic reflects the difference between the model’s estimated annual income (which corresponds to a 70% probability of achieving your income goal in the investment scenarios simulated) and your annual income goal.

When forecasting the probability of achieving your income goal, the model employs different returns for different asset classes, based on Ibbotson’s capital market assumptions developed using historical and forward-looking data. Current assets are assigned to asset classes based on Morningstar categories, and fees and charges inherent in investing are incorporated with an average fee assumption for each asset class. The historical and forward-looking benchmarks used for modeling the various asset classes are below. Return assumptions are updated annually; these updates may have a material impact on your projections. Return assumptions are estimates not guarantees. The returns you experience may be materially different than projections. You cannot invest directly in an index

Lower Risk/
Volatility
arrowAsset Class
Cash
Short-Term Bonds
TIPS
Aggregate Bonds
Long-Term Bonds
High-Yield Bonds
International Bonds
Large-Cap Stocks
Mid-Cap Stocks
Small/Mid-Cap Stocks
Small-Cap Stocks
REITs
International Stocks
Emerging Markets
Commodities
Forward-Looking Benchmark
Citigroup 3-Month Treasury Bill
Barclays U.S. Treasury 1-3 Yr Term Index
Barclays Capital U.S. Treasury: U.S. TIPS
Barclays Capital U.S. Aggregate Index
Barclays Capital U.S. Long Credit A Index
Barclays Capital U.S. Corporate High Yield Index
Citigroup WGBI
Russell 1000® Index
Russell Midcap Index
Russell 2500® Index
Russell 2000® Index
FTSE NAREIT Equity REITs
MSCI EAFE Index
MSCI Emerging Markets Index
DJ-UBSCISM
Historical Benchmark
Ibbotson SBBI T-Bill Index
Ibbotson 2 Yr Treasury Index
Ibbotson TIPS Index
Barclays Capital U.S. Aggregate Index
Ibbotson 25 Year Treasury Index
Ibbotson High Yield Index
Ibbotson Global Bond Composite
CRSP Declines Index
CRSP Declines Index
CRSP Declines Index
CRSP Declines Index
FTSE NAREIT Equity REITs
MSCI EAFE Index
Ibbotson Emerging Market Composite
S&P GSCI Commodity Sector Indices
 
Higher Risk/
Volatility

Unless you choose otherwise or your employer supplies different information, the probability illustrations assume retirement at the age at which you qualify for full Social Security benefits and an annual retirement income goal of 80% of your projected final working salary. Social Security estimates are based on the Social Security Administration methodology and your current salary. The probability illustrations also assume a consistent contribution percentage (unless you've chosen to periodically increase it) and asset allocation (no future changes or rebalancing), annual inflation of approximately 2%, and annual salary increases based on a calculation that incorporates multiple factors including a salary growth curve and inflation. Mortality assumptions are based on the Society of Actuaries tables.

The models are subject to a number of limitations. Returns associated with market extremes may occur more frequently than assumed in the models. Some asset classes have relatively limited histories; for these classes the models use historical data for shorter time periods. The model does not consider other asset classes such as hedge funds or private equity, which may have characteristics similar or superior to those used in the model.

There is no guarantee that your income goal will be achieved or that the aggregate accumulated amount will ensure a specified annual retirement income. Results derived from the OnTrack®tool may vary with each use and over time.

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.

Securities offered by Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY 10528. TISC and Transamerica Retirement Solutions are affiliated companies.