Market Volatility and Your TCDRS Account

Your TCDRS account is designed for stability. It will continue to grow regardless of the ups-and-downs of the market.

Your TCDRS account is designed to grow regardless of the ups-and-downs of the market. Your account will continue to earn 7% annual compound interest. This amount is fixed by state law and does not fluctuate with market conditions.

At TCDRS, we expect markets to go up and down. We take a long-term view when it comes to managing our investments. Our investment horizon of 30-plus years helps us weather short-term storms in the market.

For over 55 years, TCDRS has provided reliable retirement benefits for hard-working Texans. With each paycheck, you, your employer and TCDRS work together to pre-fund your retirement so you don’t have to worry about whether your benefit will be there when you need it. 

Please reach out to us at 800-823-7782 or schedule an online counseling appointment if you have any questions about your account.

Article updated June 15, 2026

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