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Roth or traditional contributions
Which one is right for you? Learn the key differences and how each impacts your tax situation.
Watch video →The impact of a 1% contribution increase
A small change today can mean thousands more at retirement. See how it adds up.
Watch video →How to save $1 million for retirement
Understand exactly how much you need to contribute each month to hit your goal.
Watch video →Rollover options
Changing jobs? Know your options for rolling over your retirement savings without penalties.
Watch video →Age 60–63 catch-up contributions
Near retirement? Take advantage of higher contribution limits available between ages 60 and 63.
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Make sure the right people receive your account. Keep your designations updated.
Watch video →Plan details
2026 Contribution Limits
$24,500
2026 base employee deferral limit
Employer Match
Discretionary
Determined annually by plan sponsor
Vesting Schedule
3-Year Cliff
Must complete 3 full years to keep company contributions
Investment lineup
| Fund name | Category | Expense ratio |
|---|---|---|
| Stability & Bonds | ||
| Voya Fixed Account | Stability / Principal | N/A |
| PGIM High Yield Fund - Class R6 | High Yield Bond | 0.45% |
| DFA Inflation-Protected Securities Portfolio | Inflation-Prot Bond | 0.11% |
| Voya Intermediate Bond Fund - Class R6 | Core-Plus Bond | 0.35% |
| Balanced & Large Cap | ||
| Vanguard® Balanced Index Fund - Admiral™ Shares | Moderate Allocation | 0.07% |
| Vanguard® 500 Index Fund - Admiral™ Shares | Large Blend | 0.04% |
| Invesco Diversified Dividend Fund - Class R6 | Large Value | 0.27% |
| American Funds The Growth Fund of America® - Class R-6 | Large Growth | 0.33% |
| Small / Mid Cap & Specialty | ||
| Vanguard® Mid-Cap Index Fund - Admiral™ Shares | Mid-Cap Blend | 0.05% |
| Neuberger Mid Cap Growth Fund - Class R6 | Mid-Cap Growth | 0.65% |
| Victory Sycamore Established Value Fund - Class R6 | Mid-Cap Value | 0.52% |
| Vanguard® Small-Cap Index Fund - Admiral™ Shares | Small Blend | 0.05% |
| Neuberger Genesis Fund - Class R6 | Small Growth | 0.82% |
| DFA U.S. Targeted Value Portfolio - Institutional | Small Value | 0.22% |
| DFA Commodity Strategy Portfolio - Institutional | Commodities | 0.22% |
| DFA Real Estate Securities Portfolio - Institutional | Real Estate | 0.18% |
| Global / International | ||
| Vanguard® Emerging Markets Stock Index Fund - Adm | Emerging Markets | 0.14% |
| Vanguard® Total International Stock Index - Adm | Foreign Large Blend | 0.11% |
| Invesco International Growth Fund - Class R6 | Foreign Large Growth | 0.65% |
| American Funds New Perspective Fund® - Class R-6 | Global Large Growth | 0.46% |
| Target Date Funds | ||
| Vanguard® Target Retirement Income Fund | Target Date | 0.08% |
| Vanguard® Target Retirement 2020 Fund | Target Date | 0.08% |
| Vanguard® Target Retirement 2025 Fund | Target Date | 0.08% |
| Vanguard® Target Retirement 2030 Fund | Target Date | 0.08% |
| Vanguard® Target Retirement 2035 Fund | Target Date | 0.08% |
| Vanguard® Target Retirement 2040 Fund | Target Date | 0.08% |
| Vanguard® Target Retirement 2045 Fund | Target Date | 0.08% |
| Vanguard® Target Retirement 2050 Fund | Target Date | 0.08% |
| Vanguard® Target Retirement 2055 Fund | Target Date | 0.08% |
| Vanguard® Target Retirement 2060 Fund | Target Date | 0.08% |
| Vanguard® Target Retirement 2065 Fund | Target Date | 0.08% |
| Vanguard® Target Retirement 2070 Fund | Target Date | 0.08% |
Source: Voya Performance Update — Separate Account D, May 31, 2026. Expense ratios are estimated. Past performance is not a guarantee of future results.
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