Retirement Articles

Retirement Articles offer helpful information on a wide range of topics to help you understand retirement planning.

Topic Categories

Plan Participation

The Cost of Waiting

Putting away even a small amount each month can make a huge difference when you’re ready to retire.

Savers Tax Credit

Explains the potential tax credits realized by contributing to a plan.

Missed Opportunity

Don’t miss out. Consider investing in your employer-sponsored plan. 

Increasing Your Contributions

The value of making even small increases to your retirement plan contributions.


Investments 101

Describes the variety of investment vehicles and how they work.


Discusses the importance of periodic rebalancing of a portfolio.

Retirement Readiness

Will your current path allow you to pay for your vision of retirement?

Asset Allocation

High level educational piece on asset allocation and its importance.

Model Portfolios

Explains how model portfolios help you work toward your personal investment objectives.


How to manage risk through diversification.



Overview of retirement and what to consider.

Managing Key Risks

The risks to consider and how to mitigate them when thinking about an income stream. 

Life Events

Estate Planning

Things to think about when considering how to pass on your wealth.

Retirement Planning for Women

Focuses on helping women understand their particular risks when saving and planning for retirement.

Changing Jobs

The things to consider when evaluating what to do with retirement plan assets when you leave your employer.

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, One Orange Way, Windsor, CT 06095-4774. Securities are distributed by Voya Financial Partners LLC (member SIPC). Custodial account agreements or trust agreements are provided by Voya Institutional Trust Company. All companies are members of the Voya® family of companies. Securities may also be distributed through other broker-dealers with which Voya has selling agreements. Insurance obligations are the responsibility of each individual company. Product and services may not be available in all states.
Mutual funds under a custodial or trust account agreement are intended as long‐term investments designed for retirement purposes. Money distributed from a 401(a) plan or a 457 plan will be taxed as ordinary income in the year the money is distributed. Early withdrawals from a 401(a) plan, if taken prior to age 59½, will be subject to the IRS 10% premature distribution penalty tax. This IRS premature distribution penalty tax does not apply to 457 plans. 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. Money taken from the plan will be taxed as ordinary income in the year the money is distributed. An annuity does not provide any additional tax benefit, as tax deferral is provided by the Plan. Annuities may be subject to additional fees and expenses, to which other tax‐deferred 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.