If you had a baby Monday, October 20th, 2014, Voya Financial is offering your baby a $500 mutual fund investment, for FREE, as a head start on his or her retirement savings. According to the FAQ, parents have until December 19th, 2014, to register their child. Parents do not have to make an investment or be members. There is no cost to this and parents may, but are not required to, add to the investment. This offer is being made to every baby born October 20th in the United States. So if you’ve got an October 20th baby, you’re in luck!