Voya Launches Personalized Retirement Income Guidance Tool to Enhance Participant Decision-Making
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 10 2025
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Should l Buy VOYA?
Source: Newsfilter
- Personalized Guidance Tool: Voya Financial's collaboration with SAVVI Financial has resulted in a retirement income guidance tool that combines decades of workplace savings experience with an advanced optimization engine, which is expected to significantly enhance participants' financial confidence as they approach retirement.
- Multi-Factor Analysis: This tool incorporates a wide range of real-world financial factors, including taxes, health insurance, Social Security, and pensions, providing detailed retirement expectations and actionable steps to optimize income, thereby enabling participants to make more informed financial decisions.
- No Additional Cost: The new tool will roll out to eligible Voya participants over the coming weeks at no extra cost, democratizing access to specialized financial planning services that were historically available only through financial advisors, thus broadening its reach.
- Enhanced Retirement Readiness: By offering visualized retirement income estimates and tailored withdrawal optimization strategies, the tool not only helps participants understand how their retirement income may change over time but also provides clear action steps aimed at improving their overall retirement preparedness.
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Analyst Views on VOYA
Wall Street analysts forecast VOYA stock price to rise
8 Analyst Rating
6 Buy
1 Hold
1 Sell
Moderate Buy
Current: 74.100
Low
84.00
Averages
88.00
High
93.00
Current: 74.100
Low
84.00
Averages
88.00
High
93.00
About VOYA
Voya Financial, Inc. is a provider of workplace benefits and savings solutions and technologies. Wealth Solutions segment provides retirement plan solutions and administration technology and services to employers. Its products and services include full-service and recordkeeping-only defined contribution plan administration; stable value and fixed general account investment products; and services to promote the financial well-being and retirement security of employees. Health Solutions segment provides worksite employee benefits, Health Account Solutions, leave management, financial wellness and decision support products and services to mid-size and large corporate employers and professional associations. Investment Management segment serves both individual and institutional customers, offering them domestic and international fixed income, equity, multi-asset and alternative investment products and solutions across a range of geographies, investment styles and capitalization spectrums.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Investment Management Innovation: The Investment Management division reported a record $1 billion in annual net revenue with 4.8% organic growth, significantly exceeding long-term targets, showcasing the company's strong performance and market recognition in asset management.
- Employee Benefits Improvement: The Employee Benefits segment's adjusted operating earnings reached $152 million, a substantial increase from last year, particularly in Stop Loss, where increased rates and disciplined reserving are expected to continue improving margins and enhance future profitability.
See More
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- Revenue Growth: The company achieved $2.11 billion in revenue for Q4, a 5.0% year-over-year increase that beat market expectations by $120 million, demonstrating ongoing business expansion and enhancing competitive positioning.
- Annual Performance: Voya delivered over $1 billion in pre-tax adjusted operating earnings for the full year, showcasing strong performance in asset management and further solidifying its market position.
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See More
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- Revenue Expectations: The anticipated revenue for Q4 is $1.99 billion, representing a slight decline of 1.0% year-over-year, indicating challenges in the market environment; however, the company's overall financial health remains a point of interest.
- Historical Performance Review: Over the past two years, Voya has exceeded EPS and revenue estimates 88% of the time, a consistent performance that boosts investor confidence and may attract additional capital inflows.
- Capital Generation Goals: Voya plans a $150 million share repurchase in Q1 and targets over $700 million in full-year capital generation, demonstrating confidence in its value and potentially enhancing EPS, thereby increasing shareholder returns.
See More
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- Dividend Yield: The forward yield of 2.45% reflects the company's attractiveness in the current market environment, potentially increasing investor interest in its stock.
- Shareholder Record Dates: The dividend will be payable on March 27, with a record date of February 25 and an ex-dividend date also on February 25, ensuring shareholders receive timely returns and reinforcing shareholder trust.
- Share Repurchase Plan: Voya Financial plans to repurchase $150 million worth of shares in Q1, demonstrating confidence in its stock while also helping to enhance earnings per share and increase shareholder value.
See More
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