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When you retire, your TDA account will remain with TRS unchanged. This is sometimes called “TDA Deferral Status.” If you separate from service before retirement, you can file a form to elect TDA Deferral Status. TDA Deferral Status means that your TDA funds will remain invested with TRS. This status enables you to avoid paying taxes on your funds and any future investment return until a later date. A further benefit is that you may maintain an existing TDA loan and may be eligible to take out a new TDA loan.