Mutual funds overview
Invest with a proven process
Creating an all-weather portfolio is at the core of Transamerica mutual funds. We personally select and monitor a diverse array of money managers who are dedicated to putting the Investor First℠ and offer a diverse range of investments built to perform.
See why investors have turned to Transamerica for over 100 years.
Why Transamerica – Investor First℠ Process
Putting the Investor First℠ is more than just our process. It’s our pledge to provide you with investments that inspire confidence.
We understand that no single investment firm is the best at managing every asset class. That's why we take a diversified approach that applies the portfolio management experience of numerous and varied asset managers throughout the industry to give you a full range of investment strategies. That's how we put the Investor First℠ .
The Investor First℠ Process is our ongoing commitment to making sure you have access to the investments you deserve from some of the best asset managers in the industry. This process only applies to funds advised by Transamerica Asset Management, Inc. (TAM) and not to non-proprietary funds. TAM is an SEC-registered investment adviser.
What is a mutual fund?
Mutual funds let you pool your money with other investors to buy stocks, bonds, or other assets. They’re run by professional money managers who decide which investments to buy and when to sell them. Investing in a mutual fund gives you access to a diversified portfolio, which helps reduce risk and potentially increases returns.
Benefits of mutual funds
Cost-effective investment
Diversification of risk
Professionally managed
Types of mutual funds
There are too many kinds of mutual funds to cover them all here. These are major ones you’re likely to see when researching funds.
Equities or stock funds
Equity or stock mutual funds invest primarily in U.S. companies listed on major stock exchanges like the S&P 500®. These funds may invest in companies of different sizes — you may hear them referred to as large-cap, mid-cap, or small-cap mutual funds. Equity mutual funds provide investors with benefits such as growth potential, the ability to reduce risk through diversification, and professional management — all with the option to invest relatively small amounts of money.
International mutual funds
International mutual funds allow investors to invest in companies located outside their home country, offering additional opportunities for portfolio diversification by providing exposure to global markets and currencies. These funds offer access to emerging markets and global companies that may have higher growth potential than domestic markets and help reduce portfolio risk by investing in different markets and economies.
Fixed income
A fixed income mutual fund invests in bonds or other debt assets. They can be an appealing option for investors seeking steady income and lower risk compared to equity mutual funds.
Money market mutual funds
Money market funds invest in short-term debt instruments and are considered low risk on the investment spectrum. They’re designed to provide investors with the ability to access their money quickly and easily for short-term needs, such as unforeseen expenses or buying a home.
Short-term bond mutual funds
These funds invest in bonds that are expected to be paid back typically within a few years. Generally, they’re less sensitive to interest rate changes and are considered lower risk than long-term bonds. Short-term bond funds offer a higher potential yield than money market funds, however, bond investors could lose money if interest rates go up.
Long-term bond mutual funds
These funds invest in bonds that will be paid back over a longer period, often several years or even decades. They may offer higher returns but come with more risk, especially if interest rates change. They can be a good fit for investors who are willing to take on more risk for the possibility of greater income and who are looking to invest for a longer period.
Municipal bond mutual funds
Municipal bond funds invest in bonds issued by state and local governments, often offering tax-exempt income through regular interest payments. This makes them potentially attractive to investors in higher tax brackets who are seeking a reliable income stream. Their risk level varies depending on the financial health of the issuing municipality.
Alternative funds
Often called “alt funds,” these funds offer investors a way to diversify beyond typical stock and bond funds. Generally, they may invest in non-traditional or more complex strategies and serve specific purposes in an investor’s portfolio.
Socially responsible mutual funds
These funds often focus on the stocks or bonds of companies with strong practices in areas like environmental sustainability, social justice, and corporate governance (ESG). They offer investors an opportunity to support companies that reflect their personal values and ethical beliefs while providing the potential for competitive returns and to help build a better world.
Sector mutual funds
Sector mutual funds invest in companies in a specific sector or industry, such as technology, energy, finance, healthcare, real estate, or commodities. They provide focused exposure to industries that investors believe will perform well, and certain emerging or rapidly evolving sectors may offer higher growth potential. Although these funds may expose investors to greater volatility because they focus on only one area of the economy, they can be used strategically to help diversify a balanced portfolio.
Asset allocation and target date funds
An asset allocation fund invests in a diverse mix of asset classes, such as stocks, bonds, and cash where the fund's asset allocation changes over time. Target date funds are a type of asset allocation fund that becomes more conservative as the investor’s target retirement date approaches. Target date funds tend to be attractive to investors who prefer a “hands-off” retirement investing strategy.
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Get in touch
Have questions about how our mutual fund solutions can help you prepare for a financial future worth looking forward to? We’re here to help. Give us a call at 1-888-233-4339.
Important information
Mutual funds are subject to market risk, including the loss of principal. Past performance is not indicative of future results.
Mutual funds are sold by prospectus. Before investing, consider the funds' investment objectives, risks, charges, and expenses. This and other important information is contained in the prospectus. Please click here, or contact your financial professional to obtain a prospectus or, if available, a summary prospectus containing this information. Please read it carefully before investing.
Transamerica Government Money Market operates as a government money market fund.
You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. The fund may impose a fee upon sale of your shares or may temporarily suspend your ability to sell shares if the fund's liquidity falls below required minimums because of market conditions or other factors. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund's sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time.
Transamerica Funds are advised by Transamerica Asset Management, Inc. (TAM) and distributed by Transamerica Capital, LLC, member of FINRA. 1801 California St., Suite 5200, Denver, CO 80202.