Open Architecture and Full Transparency 

Employers have flexibility when selecting our investment options — no strings attached. While we’re proud of our proprietary funds, Transamerica has been a longtime advocate for true open architecture plan design. Our goal is to build a plan that makes sense for the participant and the plan sponsor. Whether it’s our stable value offering or our managed account solution, we have a suite of products that can help plan participants pursue a healthier, more secure retirement. 

Transamerica Stable Value Solutions Inc. offers insurance products issued by Transamerica Life Insurance Company (Cedar Rapids, IA) and Transamerica Financial Life Insurance Company (Harrison, NY).  Contract holders will look only to the issuing insurance company for satisfaction of obligations under the contract.  Product features and availability may vary by state and may not be available in all states.

Plan participants are recognizing the value of Managed Advice®. Assets grew 40% from 2019 to 2020, while participation increased 28%. 

Managed Advice® provides a participant with an asset allocation mix of funds available within the plan. The asset allocation mix will be automatically rebalanced and reallocated, managing risk and return as participants’ settings and goals change over time. Additional fees and terms and conditions apply to the Managed Advice® service. Participants will continue to bear the fees of the underlying investment options in the Managed Advice® account. Managed Advice® 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. Managed Advice® utilizes models, algorithms and/or calculations ("Models"), 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 participants may lose money.*

The Managed Advice® service is offered through Transamerica Retirement Advisors, LLC (TRA), an SEC registered investment advisor. Transamerica Retirement Solutions and TRA are affiliated companies. Morningstar Investment Management Associates, LLC®, a wholly-owned subsidiary of Morningstar, is an SEC-registered investment advisor that serves as an independent financial expert and provides the underlying investment advice and portfolio management methodology for the Managed Advice® service. Morningstar is not affiliated with any Transamerica companies. Please see the Managed Advice® agreement for more information on the terms and conditions that apply.

Neither TRA nor the Managed Advice® service provides advice for, recommends allocations of, or manages individual stocks, self-directed brokerage accounts, or employer-directed monies, even if they are available for investment in a plan. Neither TRA nor Morningstar®, as the independent financial expert, selects or endorses any of the particular investment options available in a plan through the Managed Advice® service. The designated plan investment options used within the Managed Advice® service portfolios may include Transamerica proprietary investment funds or stable value products offered by Transamerica affiliates.

Important: The projections or other information generated by the engine regarding the likelihood of various investment outcomes are hypothetical, do not reflect actual investment results, and are not guarantees of future results. Results derived from the tool may vary with each use and over time.

The Funds are offered through the Transamerica Retirement Solutions Collective Trust, for which Massachusetts Fidelity Trust Company (MFTC) is the Trustee. Because the investment options available under a collective trust are exempt from SEC registration, a prospectus is not available with respect to such investment options. However, a Disclosure Statement is available for the Funds. The current Disclosure Statement contains additional information that should be carefully considered before choosing a Fund, including information about each Funds investment objective, strategies, expenses, performance and risks. The Funds are not insured by the FDIC, Federal Reserve Bank, nor guaranteed by MFTC or any affiliate. 

PortfolioXpress® is a registered service mark of Transamerica. PortfolioXpress® presents a series of asset allocation models up to and through a designated retirement year. The participant is solely responsible for selecting the retirement year and risk preference (if applicable). By subscribing to the service, the participant agrees to each of the asset allocation mixes and each of the automated rebalancing transactions that will take place over time within the account as the participant approaches a selected retirement year. If participants sign up, they should carefully review the service agreement for details on any applicable fees and other terms and conditions that may apply. PortfolioXpress® is designed as investment education. Transamerica or its affiliates do not provide investment advice to PortfolioXpress® nor doesTransamerica act as a plan fiduciary. 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 generally the greater the risk. The principal value of the portfolio is never guaranteed, including at and after the target date. Diversification does not guarantee against loss in a falling market.