Broker profile
Transamerica, part of Aegon · US · since 1904
Transamerica, with an AI that reads the funds you hold.
What Transamerica is, what its own AI does, what its IRAs cost, and how Walnut reads the Transamerica accounts you link, puts each fund against the S&P 500 and answers questions about all of it.
- Reads linked accounts
- Each fund vs the S&P 500
- Login stays at Transamerica
Your Transamerica, in Walnut
ConnectedHow do my Transamerica funds compare with the S&P 500?
Over the past year two of your five funds kept pace with the S&P 500 and three trailed it. The largest is 34% of your portfolio, so it is flagged.
Pricing and fees, checked October 2026
How much does Transamerica cost?
- Minimum to open a Transamerica IRA
- $0
- Yearly fee on IRAs under $10,000
- $50
- Managed Advice IRA advisory fee
- 0.45%
- Top Personalized Portfolios fee
- 0.95%
- Personalized Portfolios minimum
- $5,000
- Transamerica funds in the IRA
- 20+
AI features
Transamerica's AI moves money in
Pearl, launched March 2026, guides plan participants through rolling other retirement savings into Transamerica. As of October 2026 Transamerica has no AI that reads your positions and no official connector for Claude or ChatGPT.
Where Walnut fits
Transamerica shows each account and its balance. Walnut reads the Transamerica accounts you link next to Vanguard, Fidelity or any other broker, puts each fund against the S&P 500, and answers questions about all of it.
Pricing
What a Transamerica IRA costs
Transamerica's published IRA prices, checked October 2026. Fund expenses are extra; Walnut adds nothing to connect.
With Walnut
What you can do with Transamerica here
- Read the accounts you linkTransamerica funds, with live prices
- Each holding against the S&P 500As a one-year price return, with momentum
- A keep, trim or exit readPlus a flag on any holding over a quarter
- Transamerica next to other accountsAdd any account that does not link by hand
- See inside a fundNot yet. Each fund reads as one holding
- Place orders from WalnutNot at Transamerica. You place them there
Everything else people ask about Transamerica, answered plainly.
Short answer
It is simple to start: the self-directed Transamerica IRA has no minimum to open, and you pick from 20+ Transamerica mutual funds and a stable value option. The trade-off is a narrow menu and a $50 yearly fee on balances under $10,000.
The self-directed IRA comes with service support but no advice. The Managed Advice IRA picks and updates the funds for you for a 0.45% yearly advisory fee, and Personalized Portfolios adds a dedicated advisor team for up to 0.95%, from $5,000.
Many people meet Transamerica through a workplace 401(k), then roll it into an IRA when they change jobs. Each account reports on its own, so a heavy tilt to one fund across all of them is easy to miss.
Read the full guide: Which brokerage is best for beginnersShort answer
Transamerica traces its roots to 1904, is part of the Aegon group, and says it serves more than 10 million Americans. The Transamerica IRA is offered through Transamerica Investors Securities, a FINRA member, or Transamerica Trust Company.
Fund values still rise and fall with the market, and no account protection covers that. Connecting Transamerica to Walnut uses a secure connection where you sign in at Transamerica; Walnut never sees the password and never holds or moves money.
1904
The year Transamerica's roots began
10M+
Americans Transamerica says it serves
Aegon
The group Transamerica belongs to
Short answer
Transamerica has no official connector for ChatGPT or Claude as of October 2026; its own AI, Pearl, helps with rollovers. Walnut links a Transamerica account through a secure connection, read only, and its connector brings those holdings into Claude and ChatGPT.
Through Walnut the assistant sees your Transamerica funds at live prices, next to anything you hold at other brokers. It reads and explains; changes to a Transamerica account are still made at Transamerica.
Read the full guide: How to connect a brokerage to an AI assistantShort answer
Pearl is Transamerica's virtual assistant, launched March 2026, for moving savings from other retirement accounts into Transamerica. It walks participants through verification, documents and the transfer, with no added fee and a human representative on call.
Pearl works around the clock; representatives answer during business hours and reply to after-hours requests the next business day. It handles the move itself and does not review or analyze what you hold.
Read the full guide: How to roll over a 401(k), step by stepWalnut suggests Public or Robinhood when you want to buy through it, and eight other brokers including E*Trade, tastytrade and Webull also take orders you approve. Transamerica and Vanguard read in full and stay view-only.
Quick answers
- Does a Transamerica IRA have fees?
- The self-directed IRA charges $50 a year under $10,000. Managed Advice costs 0.45% a year, and fund expenses apply on top.
- What can I invest in at Transamerica?
- The self-directed IRA offers 20+ Transamerica mutual funds and a stable value option. Managed Advice draws on hundreds of mutual funds.
- Does Transamerica have an AI assistant?
- Pearl, launched March 2026, helps roll other retirement savings into Transamerica. It does not read or analyze your holdings.
- Can Walnut trade in my Transamerica account?
- No. Walnut reads Transamerica accounts in full, and you make changes at Transamerica. Buying through Walnut works at Public and Robinhood, and at eight other brokers including E*Trade, tastytrade and Webull.
- Does Walnut see my Transamerica password?
- No. You sign in at Transamerica through a secure connection, and Walnut gets read access to your accounts, never your login.
- Is connecting Transamerica to Walnut free?
- Yes. Connecting is free, and so is the assistant up to a per-session allowance. Walnut Unlimited, $9.99 a month on the web, lifts that limit.
Keep reading
Sources, checked October 2026
- Transamerica IRA rollover (IRA types, $0 minimums, $5,000 Personalized Portfolios)
- Transamerica IRA solutions sheet (fees, fund menus, who offers the IRA)
- Transamerica history (since 1904)
- Transamerica combines AI and human support (Pearl, March 2026)
- Vanguard brokerage accounts ($0 minimum)
- Vanguard trading fees and commissions (stocks, ETFs, mutual funds)
- Public fee schedule ($0 stock and ETF trades)
Walnut is an AI financial advisor app; it is not a registered investment adviser. Nothing here is a recommendation to buy or sell a security. Broker fees, products and availability change, so check the current terms with the broker.
See your Transamerica the way an analyst would.
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