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Transamerica ClearTrack® 2055 R3 TCTVX

Analyst rating as of

Morningstar’s Analysis

Will TCTVX outperform in future?

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

Senior Analyst

Analyst Note

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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).

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