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I have never put money into my employers plan. It was up to 7k a few months ago, then dropped down to 6k. I was very glad I had never contributed. They use VOYA. I just buy VTI and VXUS every pay day.
Ahhh I see. I used to have that as well until a couple years ago. I turned on the “actively managed” feature on mine (VOYA) and set it to “aggressive”. They allocated my funds as such. I turned it off after a few months once I saw the fees but kept the same allocations more or less.
Many 401k plans have a fund that is essentially like going to cash. I have VOYA and it is called a "stability fund". I can literally be 100% in stability fund 1 day and then 100% in small cap fund the next day. I have rebalanced my 401k like 15 times in the last 6 months. Takes 5 minutes on my phone.
My 401k up 19% YTD vs SPY 27% ??? wtf is this bullshit Fuck you VOYA
VOYA? They allow you to open a Schwab account and transfer funds from your 401K for you to self manage. It’s not a crazy concept, look up PCRA’s before you go be a know it all 
I worked for a company that used American funds. I moved my 401k to an IRA soon after I left. The following year, I was notified they are moving to VOYA. I have no idea why they contacted me as I didn’t have any fund with AM.
Sounds like you’re one of the lucky ones. I’m stuck with shitty VOYA funds.
Your options may be different but hopefully you have access to the [CalSTRS Pension 2 (VOYA)](https://calstrspension2.voyaplans.com/eportal/welcome.do) option at least. [https://www.reddit.com/r/leanfire/comments/il12oj/please\_help\_me\_choose\_a\_457b\_provider/](https://www.reddit.com/r/leanfire/comments/il12oj/please_help_me_choose_a_457b_provider/)
One thing for him to note though, while yes the return calculation reset when it hit the IRA, the VOYA fixed account is meant solely for stability of Principal - not going to yield much.
If the VOYA account is not receiving new funds, you can roll it to an IRA at a company that offers real ETFs. If this is your active 401k, you should review your available investing options. Marketers use "Index" in the product name even when they actively trade. Look for the lowest total annual cost - which should be teen basis points or lower. Look for Vanguard funds. If your company is forcing you into a garbage set of retirement investment choices then you should strongly consider a different employer. Good luck.
My friends company seems to be called VOYA as well and it seems like you got lucky with 0.27 as they are getting more greedy now lol
I’d be happy to pay just $50 a yr to have that lower expense ratio. Unfortunately I think our company’s 401K rep was wined and dined by VOYA more than a decade ago. We’ve been stuck with a single index fund that charges 0.27% expense ratio. All other funds are even more expensive. On a measly $110K in my 401K I’m paying $300 a year. This figure will only increase every year.
VOYA isn't a mutual fund its a brokerage/custodian that holds your mutual fund. You would have to post what mutual fund you are actually holding
My financial advisor who is probably in his 60s has me invested in a ROTH IRA through VOYA. Does anyone know about this mutual fund ? What are typically good or standard fees ?
Holy shit. I had no idea how bad I've fucked up. Thank you for posting this. Here are my options. Does anyone have a recommendation on who I should go with? • AIG Retirement Services (formerly VALIC) • VOYA (formerly ING Financial Partners • MetLife • Horace Mann • TIAA/CREF • Symetra/Plan Member Services • Fidelity Investments
My 401k losses are gone now when I log into VOYA. Thank god for the YTD reset.
Best VOYA retirement plan? Down 14% this year on the target date fund. How to leverage up?
I believe that insurance, generally speaking, is going to do very well over the next coming years. Prices are rising and the market is hardening, and the longer-than-expected duration of COVID means that insurers have a relatively pliable customer base, as everyone is fairly risk-aware nowadays. Also, if rates rise (it seems that the Fed has been signposting this) then this will be good for the insurers' combined ratios, as a lot of them are very exposed to government bonds and so on. I hold FAF, which is title insurance. I've been keeping an eye on MKL, ALL, and AIZ. MKL is an interesting one because they've been something of an "up-and-comer" for a while and their whole thing is that they run a proper investment management operation out of their book. ALL and AIZ are typical industry incumbents but sometimes it's better to go with the boring guys who have the market share, especially in something like insurance. I have also had my eye on VOYA for a long time but they recently divested their insurance business. I can't figure out why they're so undervalued — trading at a 4 P/E, they're making money and have beat EPS the last couple of rounds, and their core business (retirement planning) is something that has a huge demographic tailwind.
I opted out of my companies 401k in the past because their options were with VOYA. Who's returns were no where near that of Vanguard similar plans. For me it made more sense to pick my own.
I think that question is specific to the brokerage. I would call Fidelity. I have a VOYA 401K from a previous employer that had a TDAemeritrade SDB account and I just leave everything in that account and have started a separate 401k with my current employer.
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When they blast stimulus every day on the news you know the economy is shit. The games these old geezers play is hilarious. You have to be a clown to represent your constituents. Not enough, wait too much, nevermind let me check the polls real quick Also my VOYA 401k fund options are shit I do think it is possible this is a simulation lol