TRANSAMERICA PERSONALIZED PORTFOLIOS SM

You're unique. Your investing strategy should be too.

Transamerica Personalized Portfolios provides comprehensive planning to help you pursue a lifetime of financial fitness. This individual retirement account (IRA) is available through our dedicated team of phone-based advisors who can:

  • Remove the guesswork of researching, investing, and managing your IRA
  • Advise you on virtually every aspect of your account
  • Help you complete your profile to see the full picture, including outside assets you or your partner have
  • Work with you to develop a personalized strategy
  • Answer your questions so you can put your plan into action

Tailored to how you see your future

After a detailed one-on-one conversation, your advisor will propose a strategy around what matters most to you.
GET THE DETAILS
Real people. Real advice.
 
There's plenty to consider, so if you want to dig into the nitty gritty of Transamerica Personalized Portfolios, get the brochure.

Guidance for only pennies

If you choose to have us help implement your proposal, you’ll pay less than a couple cents for every dollar managed each year (maybe even less, depending on your account balance). This fee will be automatically deducted proportionally from your account each quarter. Your minimum initial investment can be as low as $5,000.


Your account will be charged a fee at an annual rate of (0.95%) of your account balance in Transamerica Personalized PortfoliosSM. Please refer to the Transamerica Personalized PortfoliosSM Client Services Agreement for more information, as well as important details about the Transamerica Personalized PortfoliosSMsolution offered by Transamerica Retirement Advisors.

57% of workers say they would prefer to rely on outside experts to monitor and manage their retirement savings plan.

-Nonprofit Transamerica Center for Retirement Studies®, 18th Annual Transamerica Retirement Survey of Workers, 2018

Key benefits of Transamerica Personalized Portfolios

Transamerica Personalized Portfolios uses NextCapital's advanced algorithm and digital investment advice platform to create and manage your IRA.

The portfolios are created by tapping into the largest and most established U.S. retirement funds that meet a strict qualifying criteria. Your portfolio is further enhanced and customized with additional information about you, your present financial situation, and what you want in your future.

Results derived from this tool may vary with each use and over time. Read more about NextCapital Advisers, Inc. Retirement Planning Advice at the bottom of the page. The Transamerica Personalized Portfolios utilize Models, algorithms and/or calculations ("Models") developed by NextCapital, which have inherent risks. Models may incorrectly forecast future behavior or produce unexpected results resulting in losses. The success of using Models depends on numerous factors, including the validity, accuracy and completeness of the Model’s development, implementation and maintenance, the Model’s assumptions, factors, algorithms and methodologies, and the accuracy and reliability of the supplied historical or other data. If incorrect data is entered into even a well-founded Model, the resulting information will be incorrect. Investments selected with the use of Models may perform differently than expected as a result of the design of the Model, inputs into the Model, or other factors. The principal value of the portfolio is never guaranteed. Investment return and principal value will fluctuate with market conditions, and you may lose money.

We take into consideration your retirement across all accounts, your current income, and when you plan to retire. We make it easy to see where you are, and determine the steps needed to get or stay on course. Our financial advisors help you put your plan in motion.

After that, we’ll proactively reach out, at least once a year, to review your progress toward your goals, discuss any significant life changes, and make any adjustments as needed.

You can sync other retirement accounts with the Transamerica Personalized Portfolios tool. Our advice will refresh automatically to help you clearly understand how specific investments are performing relative to your overall investment strategy.*


* Certain performance data is provided by independent firms that track the investment industry or from the fund family itself. Although data are gathered from sources believed to be reliable, neither the independent tracking firms nor Transamerica can guarantee the completeness, accuracy, timeliness, or reliability of the data. All data are historical and subject to change at any time. Transamerica and the independent tracking firms may use different methodologies for providing mutual fund performance information. The independent tracking firms reserve all rights in their respective proprietary data. Transamerica does not verify the accuracy of outside accounts. Our advice takes into account outside accounts and will only be as accurate as the information we receive.

We will integrate your Social Security benefit estimates into the tool, so we can forecast your estimated retirement income needs.

We’ll help you choose an approach with one of two types of globally diversified portfolios:

Goal-based portfolio: Our portfolios include up to 18 asset classes of low-cost ETFs across equities (e.g., stocks), fixed income (e.g., bonds), real estate, and commodities, as well as FDIC-insured cash equivalents. Certain portfolios may also include low-cost mutual funds and other securities. This mix is intended to help ensure your investments are truly diversified and in line with your goals. Diversification does not assure a profit or protect against market loss.

Risk-based portfolio: There are 12 different risk-based model portfolios comprised of highly liquid ETFs, holding a diversified mix of bonds and stocks as well as short-term securities. Generally, investors put their money in higher-risk portfolios earlier in their career and shift to lower-risk portfolios as they near retirement.

Once your account is created, your portfolio is monitored and automatically rebalanced to help maintain an optimal allocation.

Get a one-on-one planning consultation and proposal at no cost

Let our financial advisors help you decide if Transamerica Personalized Portfolios can help you step confidently toward a funded retirement.

866-616-4191