About TDA

The TDA Program is a Section 403(b) plan under the Internal Revenue Code. Enrollment in the traditional (pre-tax) option or the Roth (after-tax) option is available exclusively to in-service members of TRS.

Did you know that 75% of TRS members have a TDA account? If you’re one of those TDA participants, you can count on TRS to provide two sources of income at retirement: your guaranteed pension, plus your TDA funds to draw on.

How much do members contribute? How much do they have at retirement? See the statistics.

3 Things to Know Now

1. If you already have a TDA account, the new Roth option does not affect your current TDA participation at all. It just provides you with an additional way to build financial security at TRS.
2. You can view our TDA Comparison Chart to see the differences and many similarities between TRS’ Roth and traditional TDA options. Don’t worry—we kept things simple!
3. The choice is yours. TRS representatives cannot advise you about whether to invest in the Roth option, the traditional TDA option, or some combination of the two. For questions about your specific situation, we recommend that you consult with a trusted financial advisor.

However you choose to participate in TRS’ Tax-Deferred Annuity Program, remember that investing for your retirement years is always a smart choice!

Learn More

• Got questions? You’re likely to find the answer on our special FAQs page (coming soon).
• An updated edition of Your Tax-Deferred Annuity Program will be available in November. This publication will include details on the TDA contribution limits for 2026 and guidelines for participating in both the traditional TDA and the Roth options. Also check out Fund Profiles for details on the TDA Program’s investment options.
• In 2026, we will offer free online educational programs about the new and improved TDA Program. View schedules and sign up on our website.