Skip to Content

Transamerica ClearTrack® 2045 R6 TCOTX

Analyst rating as of
NAV / 1-Day Return
12.98  /  0.39 %
Total Assets
34.0 Mil
Adj. Expense Ratio
Expense Ratio
Fee Level
Above Average
Longest Manager Tenure
5.64 years
US Fund Target-Date 2045
Investment Style
Large Blend
Credit Quality / Interest Rate Sensitivity
High / Moderate
TTM Yield

Morningstar’s Analysis

Will TCOTX outperform in future?

Get our overall rating based on a fundamental assessment of the pillars below.

Sharp Derisking in the 2020 and 2025 Funds Has Resulted in Extreme Underperformance so Far This Year

Senior Analyst

Analyst Note

| |

We continue to remain concerned about the risk-mitigation process employed during Transamerica ClearTrack’s Dynamic Rebalancing Period, which is applied to funds five years prior and five years after the retirement date. In highly volatile periods, the risk-mitigation process kicks in, systematically reducing risk to try to keep these portfolios’ losses from its high point to less than 15%. Starting in 2020, the two funds with this risk-mitigation feature are the 2020 and 2025 funds (previously the 2015 and 2020 funds).

Unlock our full analysis with Morningstar Premium