The Program is committed to providing full fee transparency. For illustration purposes, the table to the right breaks down program fees based on average across all core Funds available through the Program1. The tables below provide a summary of the various costs and expenses of the Collective Trust with respect to an investment in each of the Funds. These estimated annual expenses are stated as a percentage of the assets of each Fund. The expenses are calculated based on amounts incurred by the Collective Trust for the year ended December 31, 2015 adjusted to reflect estimated reductions relating to operational and contractual changes. An explanation of the manner in which certain expenses are calculated and the portions of these expenses paid to certain parties in connection with the Program can be found by consulting the Annual Disclosure Document. Each Fund pays transaction costs, such as commissions, when it buys and sells securities (“portfolio turnover”). A higher portfolio turnover rate may indicate higher transaction costs. These costs, which are not reflected in Total Annual Fund Operating Expenses, affect Fund performance.
Fees displayed as unweighted averages across all core Funds available through the Program.
Please read the Program Annual Disclosure Document (April 2016) carefully before investing. This Disclosure Document contains important information about the Program and investment options. For email inquiries, contact us at: firstname.lastname@example.org.
Voya Financial Partners, Voya Retirement Advisors, Voya Financial Advisors are members of the Voya family of companies (“Voya”). Voya, the ABA Retirement Funds, Mercer Trust Company, TD Ameritrade, and state and local bar associations are separate, unaffiliated entities, and not responsible for one another’s products and services.