Fund Evaluator:

Transamerica Asset Alloc Long Hrzn R4 Overview

Transamerica Asset Alloc Long Hrzn R4 (TALFX) is an actively managed Allocation Global Aggressive Allocation fund. Transamerica launched the fund in 2000.

The investment seeks to provide long-term returns from growth of capital and growth of income. The fund invests in a combination of Transamerica Funds ("underlying funds"). It may allocate assets within the following parameters: 90% of assets in stock funds, 9.8% in bond funds, and 0.2% in a money-market fund.

About Transamerica Asset Alloc Long Hrzn R4 (TALFX)

There are 3 members of the management team with an average tenure of 5.80 years: Kane Cotton (2014), Rufat Garalov (2021), E. Kele Evans (2026). Management tenure is more important for actively managed funds than passive index funds.

The fund has 7 primary benchmarks: S&P 500 (TR) (1970) index with a weighting of 100%, Bloomberg US Agg Bond TR USD index with a weighting of 4%, Russell 3000 TR USD index with a weighting of 66%, MSCI World ex USA NR USD index with a weighting of 24%, ICE BofA US 3M Trsy Bill TR USD index with a weighting of 2%, ICE BofA US High Yield TR USD index with a weighting of 2% and Bloomberg US Treasury US TIPS TR USD index with a weighting of 2%. Transamerica Asset Alloc Long Hrzn R4 has 12 securities in its portfolio. The top 10 holdings constitute 99.4% of the fund’s assets. The fund meets the SEC requirement of being classified as a diversified fund. The fund is not considered to have an ESG focus with its investment selection and management.

Transamerica Asset Alloc Long Hrzn R4 is part of the Allocation global asset class and is within the Allocation fund group. Transamerica Asset Alloc Long Hrzn R4 has 26.7% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 63.6%. There is 25.7% allocated to foreign stock, and 0.0% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 8.6% (7.5% domestic bond, 1.0% foreign bond and 0.0% convertible bond). Transamerica Asset Alloc Long Hrzn R4 has 2.1% of the portfolio in cash.

Assets Under Management

The fund has $624 million in total assets, which is below the $328 million average for the Global Aggressive Allocation category. Normally, lower assets under management translates to higher average expense ratios, and greater total assets are desired. However, for some investment categories, such as small-cap investing, it may be difficult for the manager to fully employ the desired active strategy if assets grow too large or too quickly.

TALFX Performance and Fees

The expense ratio measures how much of a fund’s assets are used for administrative expenses and operating expenses, including adviser fees and fees for the transfer agent and custodial services. The Transamerica Asset Alloc Long Hrzn R4 expense ratio is high compared to funds in the Global Aggressive Allocation category. Transamerica Asset Alloc Long Hrzn R4 has an expense ratio of 1.04%, which is 2% higher than its category average, making the fund expense ratio grade a C. While it is difficult to predict returns, it is known that high annual expense ratios reduce your rate of return, and excessive fees are difficult to overcome. Active management normally comes with higher expense ratios than passive index management. Certain investment categories such as small company and foreign also normally have higher expense ratios. It is best to compare fund expense ratios against the category averages for meaningful assessments.

High portfolio turnover can translate to higher expenses and lower aftertax returns. Transamerica Asset Alloc Long Hrzn R4 has a portfolio turnover rate of 166%, indicating that holds its assets around 0.0 years. By way of comparison, the average portfolio turnover is 30% for the Global Aggressive Allocation category.

Recently, in the month of July 2026, Transamerica Asset Alloc Long Hrzn R4 returned -0.6%, which earned it a grade of C, as the Global Aggressive Allocation category had an average return of -0.9%. The letter grades of A, B, C, D and F are based upon relative rankings within the investment category. A grade of A, for example, would indicate that the return is in the highest 20% for that time period compared to all funds in that category.

Transamerica Asset Alloc Long Hrzn R4 has a trailing yield of 3.25%, which is above the 1.37% category average. The fund normally distributes its income quarterly and its capital gains annually.

It’s natural to seek the best-performing investments, but you must consider the relationship between risk and return and the impact of costs and taxes on your realized returns.

Transamerica Asset Alloc Long Hrzn R4 Grades

Year to date, the fund has returned 8.3%, 2.2 percentage points worse than the category, which translates into a grade of F. The fund has returned 14.4% over the past year (grade of F), 14.0% over the past three years (grade of D) and 6.8% per year over the past five years (grade of F) and 10.3% per year over the past 10 years (grade of D).

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