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. Online Enrollment Instructions You can enroll online at TA-Retirement.com or via telephone at 800-401-8726. l Enrollment instructions are included in this enrollment workbook, and will also be sent to the mailing address you have on file with your employer. l If you are unable to enroll online or via telephone, your plan administrator can assist you in obtaining a paper enrollment form. That’s all there is to it! Remember—it’s never too early or too late to save for retirement. Transamerica Retirement Solutions is here to simplify your journey on the road to a secure retirement. Automatic Contribution Rate Increase: l Automatic Contribution Rate Increase helps you increase your retirement savings by automatically increasing the percentage you contribute to the plan once a year. You have the option of setting the annual contribution increase percentage and the maximum contribution rate it can grow to (not to exceed the plan limit) by just accessing your account online. l For additional information on registering for online access, please refer to the Online Enrollment Instruction section. Download the My TRSRetire app: Our mobile app, My TRSRetire, lets you put your plan in your pocket. And no matter how you access your account, you'll always know Your Retirement Outlook ® with a personalized "weather icon" (rainy, cloudy, partly sunny, or sunny) that makes it easy to see if your strategy has you on course toward your retirement income goal—or if you need to take action. With the My TRSRetire app, connecting with your retirement plan has never been easier. l View your account balance and rate or return l Know Your Retirement Outlook ® l Model ways to improve your forecast l Take action right from your device It's that simple. Download the app from the App Store or Google play today! TA-Retirement.com l In addition to providing access to your plan account information, the website is loaded with useful information, helpful tips and interactive tools, all designed to help you discover, build, and manage your plan. l Simply sign in to the website with your Username and Password to manage your retirement account online, check investment account performance, access the asset allocation Manage Your Account Via Website
When You Retire Or Leave The Company Subject to plan provisions, upon retirement, termination, disability or death, you—or in some cases your beneficiary—can: l Keep your money in the plan, subject to certain restrictions. l Directly roll over your plan account balance into another eligible savings plan or IRA. l Receive your plan account balance in cash. l Contact your plan administrator or refer to your Summary Plan Description for additional information on methods to receive your plan account balance. Some of these options can have significant tax consequences. Your tax advisor can help you make the decision that is best for you. Review the fees and expenses you pay, including any charges associated with transferring your account, to see if rolling over into an IRA or consolidating your accounts could help reduce your costs. Employer-sponsored retirement plans may have features that you may find beneficial such as access to institutional funds, fiduciary-selected investments, and other ERISA protections not afforded other investors. In deciding whether to do a transfer from a retirement plan, be sure to consider whether the asset transfer changes any features or benefits that may be important to you. For additional plan information, please contact your plan administrator or refer to your Summary Plan Description. l Refer to “Investment Choices” located in this enrollment workbook for a description of your investment choices. l Some of the investment choices offered by the plan contain trading restrictions. Prior to finalizing your investment choices under the plan, please refer to your “Investment Choices” for more information on these restrictions. l To obtain a complete set of Investment Fact Sheets containing detailed, up-to-date information on each of the investment choices, contact your plan administrator or log on to TA-Retirement.com. Choose a one-step solution Make it automatic with PortfolioXpress ® If your financial picture is relatively straightforward, consider PortfolioXpress ® . This service establishes an investment mix based on the retirement year and risk preference you select. Then it regularly rebalances your account to a more conservative mix over time. It’s a solution for people who are saving for retirement and want automatic diversification. You can subscribe to PortfolioXpress ® at TA-Retirement.com. PortfolioXpress ® presents a series of asset allocation models up to and through a designated retirement year. You are solely responsible for choosing the retirement year and risk preference. By subscribing to the service, you agree to each of the asset allocation mixes and automated rebalancing transactions that will take place over time within your account as you approach the selected retirement year. Retirement date Investment Choices The plan offers 19 investment choices.
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