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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Fund NumberInvestment Options
Stability of Principal
2574 BlackRock Liquidity Federal Trust Fund - Inst Shares
4060 Voya Fixed Plus Account III
Bonds
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
1686 T. Rowe Price Retirement 2020 Fund
1687 T. Rowe Price Retirement 2025 Fund
1688 T. Rowe Price Retirement 2030 Fund
1689 T. Rowe Price Retirement 2035 Fund
1690 T. Rowe Price Retirement 2040 Fund
1691 T. Rowe Price Retirement 2045 Fund
1692 T. Rowe Price Retirement 2050 Fund
1693 T. Rowe Price Retirement 2055 Fund
6980 T. Rowe Price Retirement 2060 Fund
Balanced
1156 First Eagle Global Fund - Class I
1694 T. Rowe Price Retirement Balanced Fund
8759 Vanguard® Wellington™ Fund - Admiral™ Shares
Large Cap Value
2323 American Funds® Fundamental Investors® - Class R-6
7926 Vanguard® Equity Income Fund - Admiral™ Shares
2208 Vanguard® Total Stock Market Index Fund - Institutional
Large Cap Growth
1965 American Funds The New Economy Fund® - Class R-6
Small/Mid/Specialty
1197 Vanguard® Mid-Cap Index Fund - Institutional Shares
802 Vanguard® Real Estate Index Fund - Admiral Shares
1198 Vanguard® Small-Cap Index Fund - Institutional Shares
Global / International
1913 DFA Emerging Markets Core Equity Portfolio - Inst Class
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.