Voya expense ratios 22%, which is credited back to the Plan to pay general administrative expenses (e. The funds also follow an open-architecture framework, by investing in a combination of affiliated and unaffiliated funds. The expense ratio typically includes the following types of fees: accounting, administrator, advisor, auditor, board of directors, custodial, distribution (12b-1), legal, organizational, professional, registration, shareholder reporting, sub-a Annual Turnover Ratio % 14. The Net Fund Fee above may be less than the Expense Ratio listed on the Fund Fact Sheets (found in the Plan Investments / Fund Information section of the Plan website) due to revenue sharing on certain mutual funds. ***Effective 3/3/25, a levelized fee of 0. voyainvestments. , for services such as legal, trustee/custodial, accounting and recordkeeping). Invest some of your retirement contribution in an IRA Let’s say you’re currently contributing $15,000 per year to your 403 (b) plan. Aug 8, 2025 · The Voya Index Solution Portfolios are a suite of ten target date fund of funds that invests at least 80% of its net assets in a combination of passively managed index funds. 05% at Voya versus 0. 10%) per year. The expense ratio is the total of all of these fees charged by the fund. Disclosure below is related to the following Variable Portfolios: Voya International Index Portfolio Voya Russell Large Cap Growth Index Portfolio Voya Russell Large Cap Index Portfolio Voya Russell Large Cap Value Index Portfolio Oct 31, 2025 · The Adviser has contractually agreed to limit expenses of the Portfolio. If I were you I'd just ask for the fund options for both. The TAOE may also, if applicable, reflect ce Oct 31, 2025 · The Voya Solution Portfolios are a suite of ten target date fund of funds that invests primarily in a combination of actively managed funds and passively managed index funds, including exchange-traded funds (“ETFs”). The funds maximize asset HCA 401K PLAN Investment Model PortfoliosThe plan consists of 19 funds. The Voya Fixed Account is an obligation of VRIAC’s general account which supports all of the Company’s insurance and annuity commitments. 92% for Class ADV, through May 1 The available selection in my wiife's 457 in Voya has high expense ratios. Generally, international investment options have higher expense ratios than domestic options because they deal with companies overseas. Oct 26, 2012 · The net expense ratio is the result of a voluntary 0. The expense ratio typically includes the following types of fees: accounting, administrator, advisor, auditor, board of directors, custodial, distribution (12b-1), legal, organizational, professional, registration, shareholder reporting, sub-advisor, a Dec 20, 2022 · Strategy overview The Target Retirement Series is a suite of 10 Target Date portfolios that seek to help investors meet their long-term retirement goals. Because these fees are The average fees associated with operating small 403 (b) plans vary widely Just as is the case for small 401 (k) plans, the cost of running small 403 (b) retirement plans varies widely by provider. 3 The Adviser has contractually agreed to limit expenses of the Aug 8, 2025 · The Voya Solution Portfolios are a suite of ten target date fund of funds that invests primarily in a combination of actively managed funds and passively managed index funds, including exchange-traded funds (“ETFs”). The TAOE may also, if applicable, reflect certain third party acquired fund fees and expenses. 3 days ago · View Voya Core Bond ETF (VCOB) expense ratio and overall expense grade, rating, and underlying metrics. 94% Management Company Wasatch Advisors LP Dimensional Fund Advisors LP The Total Annual Operating Expense shown is as of September 2023 and may include certain plan related expenses, expense waivers and caps or reimbursements provided by the fund manager associated with the operation of the fund. Please see the Fund's prospectus for more information. The Expense Ratios seem high compared to our previous plan with Vanguard, and the investment options are very limited. The Russell 1000 Growth Index is an unmanaged index that measures the performance of the 1000 largest companies in the Russell 3000 Index with higher price-to-book ratios and higher forecasted growth values. Then I found the expense ratios: Vanguard Total Stock: 0. Transfers from the Voya Fixed Plus Account to other investment options within the contract and partial withdrawals from the Voya Fixed Plus Account are generally limited to 20 percent of your Voya Fixed Plus Account balance per year. The expense ratio typically includes the following types of fees: accounting, administrator, advisor, auditor, board of directors, custodial, distribution (12b-1), legal, organizational, professional, registration, shareholder reporting, su Expense Ratio penses and management fees. The expense ratio typically includes the following types of fees: accounting, administrator, advisor, auditor, board of directors, custodial, distribution (12b-1), legal, organizational, professional, registration, shareholder reporting, sub-advisor, a Jun 2, 2023 · Investing 100% in mutual funds could lower your overall annual expense ratio from 1. Expense ratio %, quarterly and annual stats of Voya Financial, Inc. Voya Fixed Account The Voya Fixed Account is available through a group annuity or other type of contract issued by Voya Retirement Insurance and Annuity Company ("VRIAC" or the "Company"). balance sheet, income statement, cash flow, earnings & estimates, ratio and margins. The Total Annual Operating Expense ("TAOE") ratio noted above reflects underlying fund level administrative costs that are capped at one (1) basis point (0. Expense Information The Gross Expense Ratio is a Fund’s total operating expenses taken from the Fund’s most recent prospectus, offering statement, annual report, or other information provided by the Fund’s manager or your Plan’s recordkeeper. 10% of the average net assets of each Investment Option. 30%, you’ll pay $3. Total Annual Portfolio Operating Expenses shown may be higher than the Portfolio's ratio of expenses to average net assets shown in the Financial Highlights, which reflects the operating expenses of the Portfolio and does not include Acquired Fund Fees and Expenses. Sep 30, 2025 · Passive investment portfolio that invests in equity securities of companies in the S&P 500 Index. 3 days ago · The Adviser has contractually agreed to limit expenses of the Fund. 010% $0. For example, an S&P 500 index fund is 0. Then skip through the high expense ratio garbage until you get to the index funds with less than 0. Investment Management Fees and Other Fund Expenses – these fees support a fund' management and operations, including advisory, trading contractually agreed to limit expenses of the Fund. Funds or their affiliates may pay compensation to Voya® affiliates offering a fund. The expense ratio typically includes the following types of fees: accounting, administrator, advisor, auditor, board of directors, custodial, distribution (12b-1), legal, organizational, professional, registration, shareholder reporting, sub-advi Annual Turnover Ratio % 11. Dec 31, 2020 · Financial ratios and metrics for Voya Financial (VOYA). Historical performance of Class A and R6 shares likely would have been different based o difference in share class expense ratios. 009% $0. The performance of a fund with a temporary fee or expense waiver would have been lower if the gross fund fees/expenses listed had been reflected. Employee Fiduciary retains no revenue sharing! Provider fees paid from Fund Expenses $0. Funds Fact Book An investor should consider the investment objectives, risks, charges and expenses of the Fund(s) carefully before investing. 05% waiver of the Board Fee. Please read all materials carefully before investing. The Underlying Funds provide exposure to a wide range of traditional asset classes which include Aug 4, 2014 · Anyway, when the news came that we were moving to VOYA, I was hoping for lower expense ratios (no such luck) but I did get some indexed options. Aug 23, 2023 · Fees On average, Voya has lower expense ratios on its funds than TIAA. The major asset classes it covers are Fixed Income, Emerging Market Equity, Foreign Equity, REITs and US Equity. 61% Vanguard Aug 1, 2025 · LEINX - Voya GNMA Income I - Review the LEINX stock price, growth, performance, sustainability and more to help you make the best investments. I don't see any fund below 0. Voya - Vanguard target retirement funds with no extra fees (i. In the State of Michigan 401(k) and 457 Plans, the The Net Fund Fee above may be less than the Expense Ratio listed on the Fund Fact Sheets (found in the Plan Investments / Fund Information section of the Plan website) due to revenue sharing on certain mutual funds. There may be other fees and expenses, including management fees, not reflected in the TAOE that bear on the value of the Compare IPMIX and FCNTX across key investment metrics, including historical performance, risk, expense ratio, dividends, Sharpe ratio, and more, to determine which asset aligns better with your portfolio strategy. Current performance may be lower or higher than the performance data quoted. He showed me his account and it was equal parts Target Retirement 2040, 2045, and 2050. Oct 31, 2025 · The Adviser has contractually agreed to limit expenses of the Portfolio. Jan 15, 2024 · Voya mutual funds have an expense ratio of 0. The funds maximize asset The investment option expense ratios reflected below include the annualized asset-based fee of 0. A and R6 (represented by italicized text). Please note that the expense ratios shown above are net of investment management fees and include the 4 basis point (0. 45% expense ratio of assets managed. Voya Target In-Retirement Fund has an expense ratio of 0. Disclosures ratios and higher forecasted growth values. 00 Provider fees deducted from participant accounts or paid by employer $9,318. 22% to cover general administrative expenses of the Plan will be included in the Fund's expense ratio, for a total net expense of 0. 75%. 10 Additional Information for Total Annual Operating Expense tive costs that are capped at two (2) basis points (0. (VOYA) had Expense Ratio of 1. 71 Fees and Expenses as of 12-31-24 Total Annual Operating Expense % Total Annual Operating Expense per $1000 0. 83 Total (“all-in”) plan expenses $14,599. 09 Additional Information for Total Annual Operating Expense e capped at one (1) basis point (0. The BrightScope data reveal that total plan fees for small 403 (b) plans ranged from 0. 12% and you invested $70,000 in that fund, the investment fee you would pay is $84. of your employer sponsored retirement plan. 08%. The Underlying Funds provide exposure to a wide range of traditional asset classes which include What is fee disclosure? The fee disclosure document summarizes certain plan-related and investment-related information pertinent to your plan that is provided for your benefit with the intent of giving you the opportunity to make informed decisions about your level of participation in the plan. I have my retirement plans through my employer with Voya , and the funds are invested as recommended by Voya financial advisor ( free service provided by employer ) in three different funds with expense ratios ranging from 0. com or call (800) 992-0180. 91 Investment expenses (i. Oct 31, 2025 · This expense limitation agreement excludes interest, taxes, investment-related costs, leverage expenses, and extraordinary expenses and may be subject to possible recoupment. The “Gross” and “Net” expense ratios noted above reflect a management fee and an administrative fee. This limitation is Expense Ratio ses and management fees. 35 percent. 15% at TIAA. IRSMX - Voya Target Retirement 2030 I - Review the IRSMX stock price, growth, performance, sustainability and more to help you make the best investments. For example, expense ratios are typically higher for actively-managed investment options to cover the costs for portfolio managers to conduct extensive research and buy and sell securities. The amount of annual investment fees participants are charged for each investment offering is based on the amount of assets you have in each investment because fees are calculated as a percentage of your balance. Voya Mutual Funds ListHere you can find all mutual funds issued by Voya and compare their essential indicators like expense ratio or rate of return to see which one suits your portfolio best. Through Oct 31, 2025 · The Adviser has contractually agreed to limit expenses of the Fund. The Underlying Funds provide exposure to a wide range of traditional asset classes which include stocks, bonds, and cash. 01%) per year. Oct 31, 2025 · Voya Target Retirement Funds employ a blend management approach by investing primarily in a combination of underlying funds, which are actively managed funds or passively managed funds (index funds), including exchange-traded funds (“ETFs”). Outside of these target retirement fund, the other investment options have much higher expense ratios, so if I go with Voya, I will want to stick with that option. I'm shocked anyone uses it, as the other 457 plan is much better and the 401k offered through Prudential has some great options as well. Voya Financial Inc. 04%. 48%. 69% of Class I shares through Jun 30, 2020 · Finding VOYA's 401k fees isn't easy. It covers 5 major asset classes and 17 minor asset classes. The TAOE may also, if app Oct 31, 2025 · The Adviser has contractually agreed to limit expenses of the Fund. 50% or more to something less than 1%. 72 Fees and Expenses as of 12-31-23 Total Annual Operating Expense % Total Annual Operating Expense per $1000 0. Jun 25, 2025 · Voya charges a management fee of 0. For example, if a fund manager charges an annual investment fee of 0. The Index does not reflect fees, brokerage commissions, taxes or other expenses of investing. The funds maximize asset Fund Inception Date 07-02-12 Expense Ratio 0. The objective of the Stable Value Fund (“Fund”) is to preserve your principal investment and generate a stable rate of return. Oct 31, 2025 · The Russell Midcap Growth Index is an unmanaged index that measures the performance of those companies included in the Russell Midcap Index with relatively higher price-to- book ratios and higher forecasted growth values. Pl se see the Fund's prospectus for more information Expenses are being waived to the contractual cap. The Portfolio is Aug 30, 2025 · Everything you need to know about a Voya Financial 403(b). Current and historical ratios & margins for Voya Financial (VOYA) from 2011 to 2024. This ratio excludes any waivers and/or expense reimbursements that may apply to a Fund. , they charge the . 52% Management Company Sound Shore Wellington Management Company The Total Annual Operating Expense shown is as of September 2022 and may include certain plan related expenses, expense waivers and caps or reimbursements provided by the fund manager associated with the operation of the fund. vide a combination of total return and stability of principal. 68% . 04%) administrative fee on all Plan options. The TAOE may also, if applicable, reflect ce Aug 23, 2023 · Fees On average, Voya has lower expense ratios on its funds than TIAA. Because these fees are Expense information has been restated to reflect current contractual rates. Additionally, the expense ratios for Voya's mutual funds average about 0. Category: Intermediate Core-Plus Bond. Any fees deducted from fund assets are discussed in the fund's prospectus and disclosed in the fund fact sheet. The expense ratio typically includes the following types of fees: accounting, administrator, advisor, auditor, board of directors, custodial, distribution (12b-1), legal, organizational, professional, registration, shareholder reporting, su Voya Corporate Leaders Trust B has an expense ratio of 0. In the attached screenshot I should be looking at the gross/net expense ratio, right? Sep 30, 2025 · The Net Expense Ratios reflect any applicable temporary fee or expense waivers. Oct 31, 2025 · The expense limits will continue through at least May 1 2025 12:00AM. Dec 22, 2014 · The ICMA one is really good but the Voya plan has ridiculous expense ratios. You should consider the investment objectives, risks, charges and expenses of the mutual funds offered through a retirement plan, carefully before investing. Please refer to participant fee disclosure for additional Class I Expense ratio is in the lowest decile of the Morningstar Intermediate Core-Plus Bond category2 Class A and Class I average annual total returns (performance may vary for other share classes) 2 As of 09/30/25. How are expense ratios charged? An expense ratio is shown as a percentage and is charged on your average net investment in that fund. . Fund Inception Date 10-26-18 Expense Ratio 0. Expense Ratio expenses and management fees. For more information on the fund including information on risks and expenses, click on the fund name above. Expense Ratio d management fees. In the State of Michigan 401(k) and 457 Plans, the Jan 21, 2017 · 1. In contrast to the net expense ratio, the gross expense ratio does not reflect any fee waivers in effec Oct 31, 2025 · Voya Target Retirement Funds employ a blend management approach by investing primarily in a combination of underlying funds, which are actively managed funds or passively managed funds (index funds), including exchange-traded funds (“ETFs”). Total Annual Portfolio Operating Expenses may be higher than the Portfolio's ratio of expenses to average net assets shown in the Portfolio's Financial Highlights, which reflects the operating expenses of the Oct 31, 2025 · The Voya Index Solution Portfolios are a suite of ten target date fund of funds that invests at least 80% of its net assets in a combination of passively managed index funds. 6 days ago · The Adviser has contractually agreed to limit expenses of the Fund. The fees shown below represent the fees each fund experienced over the one year period ending December 31, 2024. 68% of their funds as no-load options. Click on any fund in the list to see complete information, including risk and performance analysis. 85%. There may be additional plan level fees resulting in personal per Sep 30, 2025 · The Net Expense Ratios reflect any applicable temporary fee or expense waivers. 10 expense ratios (preferably even lower) and compare the choices you have in each fund. Index returns do not reflect fees, brokerage commi sions, taxes or other expenses of investing. This expense limitation agreement excludes interest, taxes, investment-related costs, leverage expenses, and extraordinary expenses and may be subject to possible recoupment. Voya Retirement Choice II is a tax-deferred retail mutual fund product available to you through your school district's 403 (b) or 457 plan. Voya Investments, LLC (the "Investment Adviser") is contractually obligated to limit expenses to 0. The performance quoted represents past performance. Contribution limits, reviews, fees & how to open a new 403(b) account. This series invests in a combination of underlying strategies that cover multiple asset classes and asset managers, including active and passive styles, to create diversified allocations for investors based on their retirement date. 6 days ago · VOYA 2040 Target Fund has an expense ratio of 0. The Portfolio is Oct 31, 2025 · Voya Target Retirement Funds employ a blend management approach by investing primarily in a combination of underlying funds, which are actively managed funds or passively managed funds (index funds), including exchange-traded funds (“ETFs”). Jun 25, 2025 · Voya 401K Fees Voya charges a management fee of 0. Plan Expenses – these fees support the Plan' operations, such as processing your contributions, tracking the information associated with your account, and managing the Plan' investments. While it is difficult to predict returns, it is known that high annual expense ratios reduce your rate of return, and excessive fees are difficult to overcome. The funds maximize asset Oct 31, 2025 · Voya Index Solution 2065 Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2065. 45 to 0. The expense ratio does not reflect the fund’s brokerage costs or an investor sales charges. The funds maximize asset Expense ratio is the fund’s total annual operating expenses, including management fees, distribution fees, and other expenses, expressed as a percentage of average net assets. Oct 31, 2025 · The Voya Index Solution Portfolios are a suite of ten target date fund of funds that invests at least 80% of its net assets in a combination of passively managed index funds. Investment return and principal value of an investment will fluctuate, and shares, when redeemed, may be worth more or less than their original cost. All guarantees are based on the financial strength and * The expense ratio of each fund includes 0. I just received the packet in the mail with fund choices and was excited to see they include Vanguard index funds, including Total Stock, Total Bond, and Total International. Historical performance shown for Class A reflects the historical performance of Class SMA shares adjusted to reflect the higher expenses of Class A for periods prior to the inception date of Class A and is being shown in blue text. 27%. 70%, slightly less than the industry standard of 0. Total Annual Portfolio Operating Expenses shown may be higher than the Portfolio's ratio of expenses to average net assets shown in the Financial Highlights, which reflect the operating expenses of the Portfolio and do not include Acquired Fund Fees and Expenses. The target date in the funds’ name is the approximate date when investors plan to start withdrawing their money. The following expenses are associated with participating in the Plan. Annual Turnover Ratio % 14. * The divergence highlights the need for a regular review of plan I have Voya for my 401K and the expense ratios are high. According to Morningstar, the rebranded Voya has been streamlining operations in an effort to cut costs. The Underlying Funds provide exposure to a wide range of traditional asset classes which include Expense Ratio expenses and management fees. The Voya Fixed Plus Account III is available through a group annuity or other type of contract issued by Voya Retirement Insurance and Annuity Company (“VRIAC” or the “Company”). The remaining portion of the expense ratio is the investment management fee. 18% Portfolio Manager(s) Management Team Name of Issuer BlackRock Institutional Trust Company NA Management Company BlackRock Institutional Trust Company NA Expense ratio includes Plan administration fee of 0. New provider is Voya. Contributions and any earnings are tax-deferred and will be taxed when withdrawn. Past performance is no guarantee of future results. The investment fees on the Fund Fact Sheets may include a fee that is paid to the service provider for administrative services. Expense Ratio % The expense ratio is the annual fee that all funds charge their shareholders. The administrative fee is estimated at 10 basis points (0. Oct 31, 2025 · The Voya Solution Portfolios are a suite of ten target date fund of funds that invests primarily in a combination of actively managed funds and passively managed index funds, including exchange-traded funds (“ETFs”). 49% of assets all the way up to 1. The Portfolio is Hello! My company recently switched over to Voya for our retirement plan, and I am having difficulty picking investments. 40%, which is 57% lower than its category average, making the fund expense ratio grade a A. Expenses are being waived to the contractual cap. The limitation does not extend to interest, taxes, investment-related costs, leverage expenses, extraordinary expenses and Acquired Fund Fees and Expenses. 54% Vanguard Total International: 0. , Fund Expenses not used to pay provider fees) $5,280. If the waiver is not continued thereafter, the Board Fee would be 0. Please read the information carefully before investing. 65% of the assets under management (AUM) for its actively managed accounts, which is below the industry average of 0. The Fund pursues its objective by investing primarily in a diversified portfolio of fixed-income instruments which may include traditional guaranteed investment contracts (“GICs”) (obligations of creditworthy life insurance companies), separate account GICs Feb 22, 2021 · Re: Voya 401k retirement fees by Doc7 » Mon Feb 22, 2021 3:23 am Be aware that “Voya Financial Engines”, should you sign up for them, charges 0. 401 (k) plan administration For 401 (k)s, most surveys find Voya is cheaper than competitors. 74 Expense Information The Gross Expense Ratio is a Fund’s total operating expenses taken from the Fund’s most recent prospectus, offering statement, annual report, or other information provided by the Fund’s manager or your Plan’s recordkeeper. The Underlying Funds provide exposure to a wide range of traditional asset classes which include . The fund prospectuses contain this and other information, which can be obtained by contacting your local representative. 16% ER). For a free copy of the www. The Underlying Funds may or may not be affiliated with the Investment Adviser. The funds maximize asset Voya funds are frequently offered in 401 (k) and similar retirement plans. g. I put everything in FXAIX, Fidelity® 500 Index which under VOYA somehow has a 1. The funds maximize asset Disclosures ratios and higher forecasted growth values. View VOYA financial statements in full. Voya Fixed Account The Voya Fixed Account is available through a group annuity or other type of contract issued by Voya Retirement Insurance and Annuity Company (“VRIAC” or the “Company”). All these factors make Voya mutual funds attractive for investment. 02%) per year. All guarantees are based on the financial strength and claims-paying Fund Inception Date 10-26-18 Expense Ratio 0. Feb 18, 2019 · Hi Iam wondering if voya has any low cost index funds . 56%. Voya Retirement Conservative Portfolio 6% 22% Expense Ratios 13% and 20% fees vary with the type of class shares that are invested. Expense ratio is the fund’s total annual operating expenses, including management fees, distribution fees, and other expenses, expressed as a percentage of average net assets. Sep 12, 2021 · My employer announced we are switching 401k providers. It expresses the percentage of assets deducted each fiscal year for fund expenses, including 12b-1 fees, management fees, administrative fees, operating costs, and all other asset-based costs incurred by the fund. The actual operating expenses incurred within the fund will vary over time; as a result, these fees and expenses may be higher or lower than the estimated fee schedule shown above. Includes annual, quarterly and trailing numbers with history and charts. Historical performance of Class A shares reflect the historical performance of Class I shares adjusted to ref ect the higher expenses of Class A sha Oct 31, 2025 · Voya Target Retirement Funds employ a blend management approach by investing primarily in a combination of underlying funds, which are actively managed funds or passively managed funds (index funds), including exchange-traded funds (“ETFs”). Such compensation may be paid out of distribution, service and/or 12b-1 fees that are deducted from the fund's assets, and/or may be paid directly by the fund's affiliates. 74 Expense Ratio d management fees. Everything growing Boglehead needs. Through Nationwide, for $25/year, I can open a Schwab PCRA. 26% expense ratio. View the latest VOYA financial statements, income statements and financial ratios. Source: Morningstar®. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs. Please see the Portfolio's prospectus for more information. Fees Fees are Below Average compared to funds in the same category. Jan 28, 2025 · Our simple 401(k) expense calculator tells you exactly how much you're paying, as well as how much those fees are costing you in potential gains over time. e. In this guide, we'll show you average VOYA fees, then how to find & calculate them in your plan. nvestors cannot invest directly in an Totals may not equal due to rounding. 6% Oct 31, 2025 · Voya’s Target Retirement Funds are designed to specifically balance the evolving risk-return profiles of participants as they age to maximize the probability of a successful retirement. But TIAA’s nonprofit mission does lead to lower fees for some options like annuities. 2. 00 annually for every $1,000 you invest in the fund. For more information on the fund including information on risks or, and transfer agency. My coworker has been using them. 33%, placing it in the medium range. For example, if you have an expense ratio of 0. 46 for the most recently reported fiscal year, ending 2024-12-31. Dec 31, 2024 · Voya Financial, Inc. 92% for Class S shares through May 1, 2025. The Voya Fixed Account is an obligation of VRIAC's general account which supports all of the Company's insurance and annuity commitments. 98% and 73. agjzk zqycn onxu pti zldn guetx ivf eynwa sobkb unrgwyc ulewx ancjtmv pughh piwdldm hrjkv