





Learn more about what target date funds are and how this option could help you prepare for retirement.
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Effective 1Q 2025, Voya Financial acquired the OneAmerica Financial full-service retirement plan business. As part of that transaction, Voya purchased OneAmerica Retirement Services LLC and OneAmerica Investment Advisory Services. Group annuity contracts issued by American United Life Insurance Company® (AUL) will be administered by Voya Retirement Insurance and Annuity Company (VRIAC). Certain registered representatives of OneAmerica Securities, Inc. who support the affected businesses will be registered with Voya Financial Partners, LLC (Member SIPC) or Voya Financial Advisors, Inc. (member SIPC). OneAmerica Financial continues to provide information and services to Voya through a transitional service agreement.
Mutual funds are sold by prospectus. To obtain a copy of the prospectus, the participant should contact the plan’s investment advisor or the mutual fund company directly. Before investing, carefully consider the fund’s investment objectives, risks, charges, and expenses. The underlying fund prospectuses contain this and other important information. Read the prospectuses carefully before investing. |
Finance GPS, Morningstar Investment Management LLC, and Creative Planning are not affiliates of OneAmerica Retirement Services LLC and are not OneAmerica companies.
Target Date Funds are designed for people who plan to retire and begin taking withdrawals during or near a specific year. These funds use a strategy that reallocates equity exposure to a higher percentage of fixed investments; the funds will shift assets from equities to fixed-income investments over time. As a result, the funds become more conservative over time as you approach retirement. It’s important to remember that no strategy can assure a profit or prevent a loss in a declining market and the principal value of the Target Date Funds is not guaranteed at any time, including the target date. Target Date Funds are designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. Therefore, in addition to the expenses of the Target Date Funds, an investor is indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds. The principal amounts invested into these funds are not guaranteed at any point and may lose value.