TRANSAMERICA PERSONALIZED PORTFOLIOS SM

Get a guide on the path to pursuing your financial goals

Real people, real advice

Transamerica Personalized PortfoliosSM is Transamerica’s comprehensive planning solution for individuals looking for financial advice to give them a better chance to be well and build wealth.

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

We offer Transamerica Personalized Portfolios through our dedicated team of advisors, who can:

  • Remove the guesswork of researching, investing, and managing your individual retirement account (IRA).
  • Provide advice on virtually every aspect of your account.
  • Help you complete your full profile, including the assets you — and your spouse or partner — have outside of Transamerica.
  • Work with you to develop a personalized strategy.
  • Answer your questions, so you can put your plan into action.

When you talk with one of our financial advisors, we’ll provide you with a one-on-one planning consultation and Transamerica Personalized Portfolios proposal — at no cost.

Guidance for only pennies

If you choose to have us help implement your proposal, you’ll pay less than a few 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 PortfoliosSM solution offered by Transamerica Retirement Advisors.

80% of Generation X workers believe their generation will have a harder time achieving financial security compared to their parents' generation.

-The 18th Annual Transamerica Retirement Survey of Workers, Nonprofit Transamerica Center for Retirement Studies®, 2017

Here are some of the key benefits of Transamerica Personalized Portfolios:

Transamerica Personalized Portfolios uses an advanced algorithm and digital investment advice platform to manage your IRA.*

*Results derived from this tool may vary with each use and over time. Read more about NextCapital Advisers, Inc. Retirement Planning Advice in the important disclosures at the bottom of this 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 assets 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.

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 minimize market risk by creating a globally diversified 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 ensures your investments are truly diversified and in line with your goals. Diversification does not assure a profit or protect against market loss.
After the funds are selected, the digital investment advice platform will monitor their performance and rebalance automatically for you.

If you spend $3.50 every day on coffee, you could save over $1,200 a year for retirement simply by making your own coffee at home.

- Business Insider, June 2017 

Let our financial advisors help you decide if this solution is right for you

Request our Transamerica Personalized Portfolios Client Agreement for more about fees and other information.

866-616-4191