Information contained s proprietary, confidential and non-public and is not for public release. Tip 5: Invest for your future + $55,002 Person A ends up with more when he contributes less...more time to grow! The sooner you start, the better. $48,000 $191,696 TOTAL CONTRIBUTIONS TOTAL SAVINGS From age 25-65, I contributed $100/month. A $72,000 $136,694 TOTAL CONTRIBUTIONS TOTAL SAVINGS From age 45-65, I contributed $300/month. B Assumes each account earns an annual tax-deferred rate of return of 6.00% compounded monthly. This illustration is hypothetical, is not guaranteed and is not intended to reflect the performance of any specific investment or security. You should consider your financial ability to continue investing consistently in up as well as down markets. In addition, these figures do not reflect taxes or any fees, expenses or charges of any investment product. Taxes are generally due upon withdrawal and early withdrawal penalties may apply to withdrawals taken prior to age 59½. You should consult with a tax advisor or tax attorney prior to implementing tax based decisions. Legal and tax advice are not offered by Voya Financial and its representatives.