TRS’ Tax-Deferred Annuity (TDA) Program, a Section 403(b) plan, has always enabled TRS members to save for retirement on a tax-deferred basis using pre-tax contributions.

For 2026, the TDA Program is expanding to include a Roth option. This will allow members to save for retirement using after-tax contributions.

TRS’ in-service members can take advantage of both savings opportunities—and manage each account separately at www.trsnyc.org!

One plan. Two options. Let’s see how they compare with each other.