Investment Options

The information below displays the investment options available under the Plan. You can choose from a menu of investment options that cover the risk/reward spectrum allowing you to select from conservative choices, moderate growth and income funds, or aggressive growth opportunities in both U.S. and international markets. International investing involves special risks such as currency fluctuation, lower liquidity, political and economic uncertainties, and differences in accounting standards.

For each investment option, click on the fund name to open a fund fact sheet that provides important information about the investment option, including fund expenses. Each investment option has a numeric fund code you will need when making investment changes on-line or via telephone.

You should consider the investment objectives, risks, and charges and expenses of the investment options offered through a retirement plan, carefully before investing. The fund prospectuses and information booklet containing this and other information can be obtained by contacting your local representative. Please read the information carefully before investing.

While reviewing the fund fact sheets below, please also review the Disclosure Glossary document that provides information on types of investment risks, investment types and a glossary of terms and statistics. The document also provides instructions about how to obtain any underlying fund prospectus.

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Please enter Voya in the text box below to view the Fund Fact Sheets.

Fund NumberInvestment Options
Stability of Principal
2574 BlackRock Liquid Federal Trust Fund - Instl
E102 Invesco Stable Value Trust - Class C CIT
4060 Voya Fixed Plus Account III
2287 Metropolitan West Total Return Bond Fund - Class I Shares
2695 PIMCO Real Return Fund - Institutional Class
Asset Allocation
1685 T. Rowe Price Retirement 2015 Fund - Investor Class
1686 T. Rowe Price Retirement 2020 Fund - Investor Class
1687 T. Rowe Price Retirement 2025 Fund - Investor Class
1688 T. Rowe Price Retirement 2030 Fund - Investor Class
1689 T. Rowe Price Retirement 2035 Fund - Investor Class
1690 T. Rowe Price Retirement 2040 Fund - Investor Class
1691 T. Rowe Price Retirement 2045 Fund - Investor Class
1692 T. Rowe Price Retirement 2050 Fund - Investor Class
1693 T. Rowe Price Retirement 2055 Fund - Investor Class
6980 T. Rowe Price Retirement 2060 Fund - Investor Class
E698 T. Rowe Price Retirement 2065 Fund - Investor Class
8759 Vanguard® Wellington™ Fund - Admiral™ Shares
Large Cap Value/Blend
2323 American Funds Fundamental Investors® - Class R-6
C320 State Street S&P 500® Index NL Series Fund - Class K CIT
7926 Vanguard® Equity Income Fund - Admiral™ Shares
Large Cap Growth
C870 T. Rowe Price Institutional Large-Cap Core Growth Fund
E470 GW&K Small-Mid Cap Core Equity Collective Invst F - Cl I CIT
QB21 State Street Russell Small/Mid Cap Index Fund Class K
802 Vanguard® Real Estate Index Fund - Admiral™ Shares
Global / International
E556 AB Global Core Equity CIT (W Series) - Fee Class P-1 CIT
2190 Vanguard® International Growth Fund - Admiral™ Shares

Mutual funds under a custodial or trust account agreement are intended as long-term investments designed for retirement purposes. Money distributed will be taxed as ordinary income in the year the money is distributed. Account values fluctuate with market conditions, and when surrendered the principal may be worth more or less than the original amount invested. A group fixed annuity is an insurance contract designed for investing for retirement purposes. The guarantee of the fixed account is based on the claims-paying ability of the issuing insurance company. Although it is possible to have guaranteed income for life with a fixed annuity, there is no assurance that this income will keep up with inflation. Early withdrawals, if taken prior to age 59½ will be subject to the IRS 10% premature distribution penalty tax, unless an exception applies. Amounts distributed will be taxed as ordinary income in the year it is distributed. An annuity does not provide any additional tax deferral benefit; tax deferral is provided by the plan. Annuities may be subject to additional fees and expenses to which other tax-qualified funding vehicles may not be subject. However, an annuity does offer other features and benefits, such as lifetime income payments and death benefits, which may be valuable to you. 

For 403(b)(1) fixed or variable annuities, employee deferrals (including earnings) may generally be distributed only upon your: attainment of age 59½, severance from employment, death, disability, or hardship. Note: Hardship withdrawals are limited to employee deferrals made after 12/31/88. Exceptions to the distribution rules: No Internal Revenue Code withdrawal restrictions apply to ’88 cash value (employee deferrals (including earnings) as of 12/31/88) and employer contributions (including earnings). However, employer contributions made to an annuity contract issued after December 31, 2008 may not be paid or made available before a distributable event occurs. Such amounts may be distributed to a participant or if applicable, the beneficiary: upon the participant's severance from employment or upon the occurrence of an event, such as after a fixed number of years, the attainment of a stated age, or disability. For 403(b)(7) custodial accounts, Employee deferrals and employer contributions (including earnings) may only be distributed upon your: attainment of age 59½, severance from employment, death, disability, or hardship. Note: hardship withdrawals are limited to: employee deferrals and ’88 cash value (earnings on employee deferrals and employer contributions (including earnings) as of 12/31/88).

Not FDIC/NCUA/NCUSIF Insured I Not a Deposit of a Bank/Credit Union I May Lose Value I Not Bank/Credit Union Guaranteed I Not Insured by Any Federal Government Agency

Insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided by) Voya Retirement Insurance and Annuity Company ("VRIAC"), Windsor, CT. VRIAC is solely responsible for its own financial condition and contractual obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services LLC ("VIPS"). VIPS does not engage in the sale or solicitation of securities. All companies are members of the Voya® family of companies. Securities distributed by Voya Financial Partners LLC (member SIPC) or third parties with which it has a selling agreement. Custodial account agreements or trust agreements are provided by Voya Institutional Trust Company. All products and services may not be available in all states.