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PortfolioXpress®
A One-Step Approach to Retirement Investing
Plan Sponsor and Financial Intermediary Use Only
Brighten Your Plan Outlook SM
PortfolioXpress®:
One-Step Asset Allocation
Transamerica Retirement Solutions offers PortfolioXpress, a flexible asset
allocation tool to assist participants with retirement investing and help plan
sponsors improve their plan’s investment diversification and support.
How does it work?
• PortfolioXpress is designed to provide essential diversification through
an automatic investment mix based on the specific investment choices
included in your investment lineup.
• It presents a series of well-diversified model portfolios based on a
participant’s selected retirement year and risk preference, if applicable.
• Once participants select PortfolioXpress, their accounts are automatically
rebalanced each quarter, gradually adjusting the asset allocation towards a
more conservative stance along a glide path which they have accepted.
Model Construction
• PortfolioXpress will use the investment choices within the different asset
classes to create the model portfolios.
• Target maturity investment choices, strategic allocation investment
choices, balanced investment choices, and certain specialty investment
choices will not be included.
• Allocation strategies are all formula driven.
PortfolioXpress® is a registered service mark of Transamerica Retirement Solutions Corporation.
Choose your Investments
Transamerica Retirement Solutions’
platform offers more than 300
investment choices from more
than 50 investment managers.
Plan sponsors and financial
advisors will have access to this
expansive platform of investment
choices when determining their
PortfolioXpress lineup.
2
Brighten Your Plan Outlook SM
Years to
Retirement
Lifetime Glide
Path Equity Fund
Allocation
Years to
Retirement
Retirement Glide
Path Equity Fund
Allocation
40 95% 45 90%
38 95% 40 90%
35 95% 35 90%
32 95% 32 85%
30 95% 30 80%
27 95% 27 75%
25 90% 25 70%
23 90% 22 65%
20 83% 20 60%
17 83% 17 55%
15 75% 15 50%
12 75% 12 45%
10 67% 10 40%
7 67% 5 35%
5 60% 0 30%
0 52% -5 25%
-5 46% -10 20%
-10 40% -15 15%
-15 35% -20 10%
-20 30% -25 10%
-30 30% -30 10%
PortfolioXpress Glide Path Comparison
Eq
ui
ty
F
un
d
Al
lo
ca
tio
n
Retirement Glide PathLifetime Glide Path
0
20
10
40
30
60
50
80
90
70
100%
35 30 25 20 15 10 5 0 -5 -10 -15 -20
Years to Retirement
-30
The illustrations above are for education only, are hypothetical, and do not represent a specific asset allocation at any given time.
Choose a Glide Path
PortfolioXpress offers you a choice of two glide paths—
Lifetime approach or Retirement—to fit the needs of
your plan.
• Lifetime glide path focuses on capital growth up to
and during retirement to manage longevity risk, which
is the risk that participants may outlive their assets.
This approach recognizes that participants may live an
additional 25 years or more after retirement and rely on
their retirement savings to fund their living expenses.
• Retirement glide path focuses on capital preservation
up to and during retirement to manage market and
sequence-of-returns risks. It recognizes that these risks
can have a profound, negative impact on participants,
especially those closest to or in retirement, and
therefore reduces equity exposure more quickly
over time.
3
Lifetime Glide Path with Risk Preference
Eq
ui
ty
P
er
ce
nt
ag
e
Al
lo
ca
tio
n
(%
)
Fixed Income AllocationsEquity Allocations
0
10
20
30
40
50
60
70
80
90
100
Years to Retirement
Aggressive 3335 27 20 1012 07 -20-10 -25 -3530 -151825 22 15 5 2 -5
Moderate 40 323538 25 17 1215 -5 -105 -20-15 -302330 27 20 10 7 0
50 4548 35 3342 40 37 2530 27 20 17 1522 010 5 -10-5 -20Conservative
The illustrations above are for education only, are hypothetical, and do not represent a specific asset allocation at any given time.
Offer a Risk Preference Option
PortfolioXpress also offers participants a risk preference feature—should you choose to make it available. This capability gives
participants the opportunity to tailor their investment strategy based on both their time horizon and their attitude towards risk
by selecting one of three different risk preferences: conservative, moderate, or aggressive.
Risk Preference Years to Retirement
Conservative 50 48 45 42 40 37 35 33 30 27 25 22 20 17 15 10 5 0 -5 -10 -20
Moderate 40 38 35 32 30 27 25 23 20 17 15 12 10 7 5 0 -5 -10 -15 -20 -30
Aggressive 35 33 30 27 25 22 20 18 15 12 10 7 5 2 0 -5 -10 -15 -20 -25 -35
Short Term Bonds /
Stable / MMkt
0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 2% 2% 3% 3% 5% 8% 9% 11% 13% 14% 14%
Interm/Long Term /
Inflation Protected Bonds
3% 3% 3% 3% 3% 3% 7% 7% 13% 13% 19% 19% 25% 25% 29% 34% 38% 41% 44% 48% 48%
Aggressive Bonds 2% 2% 2% 2% 2% 2% 3% 3% 4% 4% 4% 4% 5% 5% 6% 6% 7% 8% 8% 8% 8%
Total 5% 5% 5% 5% 5% 5% 10% 10% 17% 17% 25% 25% 33% 33% 40% 48% 54% 60% 65% 70% 70%
Large Cap Stocks 44% 44% 44% 44% 44% 44% 42% 42% 39% 39% 36% 36% 33% 33% 30% 27% 24% 22% 20% 17% 17%
Small/Mid Cap Stocks /
Real Estate
25% 25% 25% 25% 25% 25% 24% 24% 22% 22% 20% 20% 17% 17% 15% 12% 11% 9% 7% 6% 6%
International / Emerging
Markets Stocks
26% 26% 26% 26% 26% 26% 24% 24% 22% 22% 19% 19% 17% 17% 15% 13% 11% 9% 8% 7% 7%
Total 95% 95% 95% 95% 95% 95% 90% 90% 83% 83% 75% 75% 67% 67% 60% 52% 46% 40% 35% 30% 30%
TOTAL 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Lifetime PortfolioXpress Asset Class Allocations with Risk Preference
4
Brighten Your Plan Outlook SM
Retirement Glide Path with Risk Preference
Eq
ui
ty
P
er
ce
nt
ag
e
Al
lo
ca
tio
n
(%
)
Years to Retirement
Fixed Income AllocationsEquity Allocations
0
10
20
30
40
50
60
70
80
90
100
Aggressive 3040 35 2527 2022 1517 012 -20-5 -30-25 -3510 7 -10 -155
Moderate 45 40 3235 2730 2225 1720 05 -20-15 -30-2515 12 -5 -1010
55 50 4245 3740 3235 27 25 2230 10 5 01520 -10-5 -20-15Conservative
The illustrations above are for education only, are hypothetical, and do not represent a specific asset allocation at any given time.
Risk Preference Years to Retirement
Conservative 55 50 45 42 40 37 35 32 30 27 25 22 20 15 10 5 0 -5 -10 -15 -20
Moderate 45 40 35 32 30 27 25 22 20 17 15 12 10 5 0 -5 -10 -15 -20 -25 -30
Aggressive 40 35 30 27 25 22 20 17 15 12 10 7 5 0 -5 -10 -15 -20 -25 -30 -35
Short Term Bonds /
Stable / MMkt
3% 3% 3% 4% 6% 7% 9% 11% 12% 14% 15% 17% 18% 20% 21% 22% 24% 25% 27% 27% 27%
Interm/Long Term /
Inflation Protected Bonds
6% 6% 6% 10% 12% 15% 18% 21% 24% 26% 30% 32% 36% 38% 42% 45% 48% 51% 54% 54% 54%
Aggressive Bonds 1% 1% 1% 1% 2% 3% 3% 3% 4% 5% 5% 6% 6% 7% 7% 8% 8% 9% 9% 9% 9%
Total 10% 10% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% 80% 85% 90% 90% 90%
Large Cap Stocks 64% 64% 64% 61% 58% 54% 50% 47% 43% 40% 35% 32% 29% 25% 21% 18% 14% 11% 7% 7% 7%
Small/Mid Cap Stocks /
Real Estate
12% 12% 12% 11% 10% 10% 9% 9% 8% 7% 7% 6% 5% 5% 4% 3% 3% 2% 1% 1% 1%
International / Emerging
Markets Stocks
14% 14% 14% 13% 12% 11% 11% 9% 9% 8% 8% 7% 6% 5% 5% 4% 3% 2% 2% 2% 2%
Total 90% 90% 90% 85% 80% 75% 70% 65% 60% 55% 50% 45% 40% 35% 30% 25% 20% 15% 10% 10% 10%
TOTAL 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Retirement PortfolioXpress Asset Class Allocations with Risk Preference
5
* If the investment choice change request is determined to be significant, there is
additional information Transamerica will collect from you and certain communications
to participants will be required.
**Transamerica reserves the right to charge for the service in the future.
PortfolioXpress® is a registered service mark of Transamerica Retirement Solutions
Corporation. PortfolioXpress® is available to plans that have online enrollment and
currently at no additional cost, although the fees of the underlying investment
choices continue to apply. Transamerica may charge for the service in the future.
PortfolioXpress® is a service which 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). In implementing 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 does not provide investment advice. 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, especially in a falling market.
Benefits to Plan Sponsors:
• PortfolioXpress allocates assets among the investment options you and your
advisor are already selecting and monitoring for the plan’s lineup, giving you
control of and flexibility to change the underlying pieces.*
• The service allows you to choose a glide path that reflects the characteristics
of your participant population and your plan goals, and to offer a risk
preference feature.
• The standard service is currently available at no additional cost, although the
fees of the underlying investment choices continue to apply.**
• Sponsors can offer PortfolioXpress as a Qualified Default Investment
Alternative (QDIA) if the sponsor or advisor assumes fiduciary responsibility.
6
Brighten Your Plan Outlook SM
Benefits to Participants:
• PortfolioXpress provides critical investment education and support to those
looking for help with retirement investing.
• This easy-to-use tool automatically diversifies investments among the plan’s
available investment options based on the participant’s selected retirement
year and risk preference.
• It presents a complete strategy that is automatically rebalanced and designed
to reduce risk exposure over time.
• It enables participants to adjust their glide path based on their risk
preferences—conservative, moderate, or aggressive—if you choose to
offer this flexibility.
7
440 Mamaroneck Avenue, Harrison, NY 10528
914-627-3000 | 800-770-6797 | trsretire.com
Brighten Your Plan Outlook SM
6253-PS_B (05/14)
© 2014 Transamerica Retirement Solutions Corporation
Transamerica Retirement Solutions Corporation is an affiliate of Transamerica Investors Securities Corporation
(TISC). Securities are offered by TISC, 440 Mamaroneck Avenue, Harrison, NY 10528.
A One-Step Approach to Retirement Investing
Plan Sponsor and Financial Intermediary Use Only
Brighten Your Plan Outlook SM
PortfolioXpress®:
One-Step Asset Allocation
Transamerica Retirement Solutions offers PortfolioXpress, a flexible asset
allocation tool to assist participants with retirement investing and help plan
sponsors improve their plan’s investment diversification and support.
How does it work?
• PortfolioXpress is designed to provide essential diversification through
an automatic investment mix based on the specific investment choices
included in your investment lineup.
• It presents a series of well-diversified model portfolios based on a
participant’s selected retirement year and risk preference, if applicable.
• Once participants select PortfolioXpress, their accounts are automatically
rebalanced each quarter, gradually adjusting the asset allocation towards a
more conservative stance along a glide path which they have accepted.
Model Construction
• PortfolioXpress will use the investment choices within the different asset
classes to create the model portfolios.
• Target maturity investment choices, strategic allocation investment
choices, balanced investment choices, and certain specialty investment
choices will not be included.
• Allocation strategies are all formula driven.
PortfolioXpress® is a registered service mark of Transamerica Retirement Solutions Corporation.
Choose your Investments
Transamerica Retirement Solutions’
platform offers more than 300
investment choices from more
than 50 investment managers.
Plan sponsors and financial
advisors will have access to this
expansive platform of investment
choices when determining their
PortfolioXpress lineup.
2
Brighten Your Plan Outlook SM
Years to
Retirement
Lifetime Glide
Path Equity Fund
Allocation
Years to
Retirement
Retirement Glide
Path Equity Fund
Allocation
40 95% 45 90%
38 95% 40 90%
35 95% 35 90%
32 95% 32 85%
30 95% 30 80%
27 95% 27 75%
25 90% 25 70%
23 90% 22 65%
20 83% 20 60%
17 83% 17 55%
15 75% 15 50%
12 75% 12 45%
10 67% 10 40%
7 67% 5 35%
5 60% 0 30%
0 52% -5 25%
-5 46% -10 20%
-10 40% -15 15%
-15 35% -20 10%
-20 30% -25 10%
-30 30% -30 10%
PortfolioXpress Glide Path Comparison
Eq
ui
ty
F
un
d
Al
lo
ca
tio
n
Retirement Glide PathLifetime Glide Path
0
20
10
40
30
60
50
80
90
70
100%
35 30 25 20 15 10 5 0 -5 -10 -15 -20
Years to Retirement
-30
The illustrations above are for education only, are hypothetical, and do not represent a specific asset allocation at any given time.
Choose a Glide Path
PortfolioXpress offers you a choice of two glide paths—
Lifetime approach or Retirement—to fit the needs of
your plan.
• Lifetime glide path focuses on capital growth up to
and during retirement to manage longevity risk, which
is the risk that participants may outlive their assets.
This approach recognizes that participants may live an
additional 25 years or more after retirement and rely on
their retirement savings to fund their living expenses.
• Retirement glide path focuses on capital preservation
up to and during retirement to manage market and
sequence-of-returns risks. It recognizes that these risks
can have a profound, negative impact on participants,
especially those closest to or in retirement, and
therefore reduces equity exposure more quickly
over time.
3
Lifetime Glide Path with Risk Preference
Eq
ui
ty
P
er
ce
nt
ag
e
Al
lo
ca
tio
n
(%
)
Fixed Income AllocationsEquity Allocations
0
10
20
30
40
50
60
70
80
90
100
Years to Retirement
Aggressive 3335 27 20 1012 07 -20-10 -25 -3530 -151825 22 15 5 2 -5
Moderate 40 323538 25 17 1215 -5 -105 -20-15 -302330 27 20 10 7 0
50 4548 35 3342 40 37 2530 27 20 17 1522 010 5 -10-5 -20Conservative
The illustrations above are for education only, are hypothetical, and do not represent a specific asset allocation at any given time.
Offer a Risk Preference Option
PortfolioXpress also offers participants a risk preference feature—should you choose to make it available. This capability gives
participants the opportunity to tailor their investment strategy based on both their time horizon and their attitude towards risk
by selecting one of three different risk preferences: conservative, moderate, or aggressive.
Risk Preference Years to Retirement
Conservative 50 48 45 42 40 37 35 33 30 27 25 22 20 17 15 10 5 0 -5 -10 -20
Moderate 40 38 35 32 30 27 25 23 20 17 15 12 10 7 5 0 -5 -10 -15 -20 -30
Aggressive 35 33 30 27 25 22 20 18 15 12 10 7 5 2 0 -5 -10 -15 -20 -25 -35
Short Term Bonds /
Stable / MMkt
0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 2% 2% 3% 3% 5% 8% 9% 11% 13% 14% 14%
Interm/Long Term /
Inflation Protected Bonds
3% 3% 3% 3% 3% 3% 7% 7% 13% 13% 19% 19% 25% 25% 29% 34% 38% 41% 44% 48% 48%
Aggressive Bonds 2% 2% 2% 2% 2% 2% 3% 3% 4% 4% 4% 4% 5% 5% 6% 6% 7% 8% 8% 8% 8%
Total 5% 5% 5% 5% 5% 5% 10% 10% 17% 17% 25% 25% 33% 33% 40% 48% 54% 60% 65% 70% 70%
Large Cap Stocks 44% 44% 44% 44% 44% 44% 42% 42% 39% 39% 36% 36% 33% 33% 30% 27% 24% 22% 20% 17% 17%
Small/Mid Cap Stocks /
Real Estate
25% 25% 25% 25% 25% 25% 24% 24% 22% 22% 20% 20% 17% 17% 15% 12% 11% 9% 7% 6% 6%
International / Emerging
Markets Stocks
26% 26% 26% 26% 26% 26% 24% 24% 22% 22% 19% 19% 17% 17% 15% 13% 11% 9% 8% 7% 7%
Total 95% 95% 95% 95% 95% 95% 90% 90% 83% 83% 75% 75% 67% 67% 60% 52% 46% 40% 35% 30% 30%
TOTAL 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Lifetime PortfolioXpress Asset Class Allocations with Risk Preference
4
Brighten Your Plan Outlook SM
Retirement Glide Path with Risk Preference
Eq
ui
ty
P
er
ce
nt
ag
e
Al
lo
ca
tio
n
(%
)
Years to Retirement
Fixed Income AllocationsEquity Allocations
0
10
20
30
40
50
60
70
80
90
100
Aggressive 3040 35 2527 2022 1517 012 -20-5 -30-25 -3510 7 -10 -155
Moderate 45 40 3235 2730 2225 1720 05 -20-15 -30-2515 12 -5 -1010
55 50 4245 3740 3235 27 25 2230 10 5 01520 -10-5 -20-15Conservative
The illustrations above are for education only, are hypothetical, and do not represent a specific asset allocation at any given time.
Risk Preference Years to Retirement
Conservative 55 50 45 42 40 37 35 32 30 27 25 22 20 15 10 5 0 -5 -10 -15 -20
Moderate 45 40 35 32 30 27 25 22 20 17 15 12 10 5 0 -5 -10 -15 -20 -25 -30
Aggressive 40 35 30 27 25 22 20 17 15 12 10 7 5 0 -5 -10 -15 -20 -25 -30 -35
Short Term Bonds /
Stable / MMkt
3% 3% 3% 4% 6% 7% 9% 11% 12% 14% 15% 17% 18% 20% 21% 22% 24% 25% 27% 27% 27%
Interm/Long Term /
Inflation Protected Bonds
6% 6% 6% 10% 12% 15% 18% 21% 24% 26% 30% 32% 36% 38% 42% 45% 48% 51% 54% 54% 54%
Aggressive Bonds 1% 1% 1% 1% 2% 3% 3% 3% 4% 5% 5% 6% 6% 7% 7% 8% 8% 9% 9% 9% 9%
Total 10% 10% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% 80% 85% 90% 90% 90%
Large Cap Stocks 64% 64% 64% 61% 58% 54% 50% 47% 43% 40% 35% 32% 29% 25% 21% 18% 14% 11% 7% 7% 7%
Small/Mid Cap Stocks /
Real Estate
12% 12% 12% 11% 10% 10% 9% 9% 8% 7% 7% 6% 5% 5% 4% 3% 3% 2% 1% 1% 1%
International / Emerging
Markets Stocks
14% 14% 14% 13% 12% 11% 11% 9% 9% 8% 8% 7% 6% 5% 5% 4% 3% 2% 2% 2% 2%
Total 90% 90% 90% 85% 80% 75% 70% 65% 60% 55% 50% 45% 40% 35% 30% 25% 20% 15% 10% 10% 10%
TOTAL 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Retirement PortfolioXpress Asset Class Allocations with Risk Preference
5
* If the investment choice change request is determined to be significant, there is
additional information Transamerica will collect from you and certain communications
to participants will be required.
**Transamerica reserves the right to charge for the service in the future.
PortfolioXpress® is a registered service mark of Transamerica Retirement Solutions
Corporation. PortfolioXpress® is available to plans that have online enrollment and
currently at no additional cost, although the fees of the underlying investment
choices continue to apply. Transamerica may charge for the service in the future.
PortfolioXpress® is a service which 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). In implementing 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 does not provide investment advice. 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, especially in a falling market.
Benefits to Plan Sponsors:
• PortfolioXpress allocates assets among the investment options you and your
advisor are already selecting and monitoring for the plan’s lineup, giving you
control of and flexibility to change the underlying pieces.*
• The service allows you to choose a glide path that reflects the characteristics
of your participant population and your plan goals, and to offer a risk
preference feature.
• The standard service is currently available at no additional cost, although the
fees of the underlying investment choices continue to apply.**
• Sponsors can offer PortfolioXpress as a Qualified Default Investment
Alternative (QDIA) if the sponsor or advisor assumes fiduciary responsibility.
6
Brighten Your Plan Outlook SM
Benefits to Participants:
• PortfolioXpress provides critical investment education and support to those
looking for help with retirement investing.
• This easy-to-use tool automatically diversifies investments among the plan’s
available investment options based on the participant’s selected retirement
year and risk preference.
• It presents a complete strategy that is automatically rebalanced and designed
to reduce risk exposure over time.
• It enables participants to adjust their glide path based on their risk
preferences—conservative, moderate, or aggressive—if you choose to
offer this flexibility.
7
440 Mamaroneck Avenue, Harrison, NY 10528
914-627-3000 | 800-770-6797 | trsretire.com
Brighten Your Plan Outlook SM
6253-PS_B (05/14)
© 2014 Transamerica Retirement Solutions Corporation
Transamerica Retirement Solutions Corporation is an affiliate of Transamerica Investors Securities Corporation
(TISC). Securities are offered by TISC, 440 Mamaroneck Avenue, Harrison, NY 10528.