Welcome to Millennium Trust
Voya and your employer have chosen Millennium Trust to provide you with access to an emergency savings fund benefit - an easy and automatic way to save for unforeseen events, so you can be prepared when life throws you a curve ball.
What is an emergency savings fund?
If an unexpected bill would be difficult for you to cover, you are not alone. An emergency savings fund or "rainy day fund" is money you save for unforeseen expenses—such as car trouble, unplanned home expenses or unexpected medical bills—and can help prevent you from dipping into your retirement savings.
An emergency savings fund is different from a retirement savings account. It is meant to be easily accessible and funds can be withdrawn in case of an emergency without facing penalties.
Save for Emergencies the Easy Way
Lack of financial security or concerns about money can have a negative impact on wellbeing and add stress to your day-to-day life. Saving for unexpected moments through your workplace is a way to make saving easy while gaining peace of mind knowing you’ve got those covered. Whether you set up automatic contributions through your employer or a bank account, you can build your rainy day fund without thinking about it.
Having this type of short-term financial security in place can help you focus on building your long-term savings goals.


How Does It Work?
The good news is your employer believes in the importance of an emergency savings fund as part of your overall financial wellness and has taken the first step in offering it to you as a benefit.
Now take the next step by enrolling through our secure portal, and selecting the amount you wish to contribute to your emergency savings fund.
Although experts recommend saving the equivalent of three to six months of basic living expenses, every bit helps. You can start with a small amount and increase your contributions over time.
Key Features & Benefits
About Millennium Trust
For more than 20 years, we’ve been committed to helping increase the financial security of over 2 million American workers, empowering them with access to tools and resources needed to succeed on their savings journey.
We believe in a holistic approach to saving and planning for the future and feel an emergency savings fund is an important piece of the puzzle.