Investment Performance

Fee disclosure

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Variable annuities and mutual funds offered through a retirement plan are intended as long-term investments designed for retirement purposes. Money distributed from a 403(b) plan, 401(a)/(k) plan, or a 457 plan will be taxed as ordinary income in the year the money is distributed. Early withdrawals from a 403(b) plan and a 401(a)/(k) plan, if taken prior to age 59 1/2, will be subject to the IRS 10% premature distribution penalty tax, unless an exception applies. This IRS premature distribution penalty tax does not apply to 457 plans. Account values fluctuate with market conditions, and when surrendered the principal may be worth more or less than the original amount invested.

The performance data quoted represents past performance. Past performance does not guarantee future results. For month-end performance which may be lower or higher than the performance data shown please call 800-584-6001. Investment return and principal value of an investment will fluctuate so that, when sold, an investment may be worth more or less than the original cost.

The returns assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. They do not reflect any plan level administrative fees, if applicable; if reflected, returns would be less favorable.

Voya will assess an annual asset-based service fee of 0.065% to all investment options including balances held in your plans Stability of Principal or Fixed Account. This fee is deducted from your account at a frequency determined by your plan monthly or quarterly and will be pro-rated across balances held in each of the investment options. These returns do not reflect any plan level administrative fees, if applicable; if reflected, returns would be less favorable. Please contact your local representative for more information.

You should consider the investment objectives, risks and charges, and expenses of the funds carefully before investing. The prospectus contains this and other information. Anyone who wishes to obtain a free copy of the fund prospectuses may call their Voya representative or the number above. Please read the prospectus carefully before investing.

Returns less than one year are not annualized. Fund Inception Date is the date of inception for the underlying fund, and is the date used in calculating the periodic returns. This date may also precede the portfolio's inclusion in the product.
Investment Options Asset Class 1 - Mo 3 - Mo YTD 1 - Yr 3 - Yr 5 - Yr 10 - Yr Incept Fund Inception Date Gross Fund Exp %* Net Fund Exp %*
Vanguard® Federal Money Market Fund - Investor Shares - 2573 (2) Stability of Principal 0.45 1.32 1.32 5.33 2.65 1.99 1.34 07/13/1981 0.11 0.11
Voya Fixed Plus Account III - 4020 (1)(4) Stability of Principal 0.19 0.55 0.55 2.19 1.80 1.87 2.15
Vanguard® Intermediate-Term Bond Index Fund - Institutional - 2207 Bonds 0.91 -0.75 -0.75 1.64 -2.35 0.78 1.99 01/26/2006 0.05 0.05
PIMCO Total Return Fund - Institutional Class - 544 Bonds 1.08 -0.01 -0.01 3.28 -2.24 0.76 1.80 05/11/1987 0.49 0.49
American Funds 2010 Target Date Retirement Fund®-Class R-6 - 1971 Asset Allocation 2.01 2.82 2.82 8.93 2.81 5.44 5.19 02/01/2007 0.29 0.29
American Funds 2015 Target Date Retirement Fund®-Class R-6 - 1973 Asset Allocation 1.99 3.02 3.02 9.77 2.95 5.80 5.52 02/01/2007 0.30 0.30
American Funds 2020 Target Date Retirement Fund®-Class R-6 - 1975 Asset Allocation 2.12 3.38 3.38 10.75 3.17 6.19 5.95 02/01/2007 0.31 0.31
American Funds 2025 Target Date Retirement Fund®-Class R-6 - 1977 Asset Allocation 2.22 3.82 3.82 12.08 3.35 7.02 6.64 02/01/2007 0.32 0.32
American Funds 2030 Target Date Retirement Fund®-Class R-6 - 1979 Asset Allocation 2.35 4.81 4.81 14.83 4.11 8.05 7.58 02/01/2007 0.33 0.33
American Funds 2035 Target Date Retirement Fund®-Class R-6 - 1981 Asset Allocation 2.58 6.01 6.01 17.93 5.01 9.45 8.61 02/01/2007 0.35 0.35
American Funds 2040 Target Date Retirement Fund®-Class R-6 - 1983 Asset Allocation 2.89 7.21 7.21 21.05 5.83 10.37 9.17 02/01/2007 0.37 0.37
American Funds 2045 Target Date Retirement Fund®-Class R-6 - 1985 Asset Allocation 2.91 7.50 7.50 21.98 5.96 10.58 9.35 02/01/2007 0.37 0.37
American Funds 2050 Target Date Retirement Fund®-Class R-6 - 1987 Asset Allocation 2.96 7.68 7.68 22.57 5.90 10.64 9.41 02/01/2007 0.38 0.38
American Funds 2055 Target Date Retirement Fund®-Class R-6 - 1989 Asset Allocation 2.95 7.86 7.86 23.12 5.87 10.61 9.39 02/01/2010 0.38 0.38
American Funds 2060 Target Date Retirement Fund®-Class R-6 - 9639 (6) Asset Allocation 2.92 7.87 7.87 23.31 5.86 10.60 9.54 03/27/2015 0.39 0.39
American Funds 2065 Target Date Retirement Fund®-Class R-6 - E410 Asset Allocation 2.89 7.85 7.85 23.25 5.86 16.06 03/27/2020 0.39 0.39
American Funds Washington Mutual Investors Fund - Class R-6 - 1990 Large Cap Value/Blend 3.45 9.20 9.20 26.93 11.85 13.38 11.70 07/31/1952 0.27 0.27
Vanguard® Institutional Index Fund - Institutional Shares - 566 Large Cap Value/Blend 3.21 10.54 10.54 29.84 11.45 15.02 12.93 07/31/1990 0.04 0.04
JPMorgan Large Cap Growth Fund - Class R6 Shares - 3494 (3) Large Cap Growth 2.20 16.14 16.14 43.55 11.52 20.51 17.56 02/22/1994 0.52 0.44
Vanguard® Extended Market Index Fund - Institutional Shares - 7499 Small/Mid/Specialty 3.35 6.97 6.97 26.73 0.97 10.12 9.00 01/01/1986 0.05 0.05
Champlain Mid Cap Fund - Institutional Shares - 4766 Small/Mid/Specialty 1.42 9.74 9.74 20.37 4.06 10.47 11.79 06/30/2008 0.85 0.85
JPMorgan U.S. Small Company Fund - Class R6 Shares - 6130 Small/Mid/Specialty 3.52 9.89 9.89 22.94 3.79 10.70 8.41 11/04/1993 0.72 0.72
TIAA-CREF Real Estate Securities Fund - Institutional Class - 1443 Small/Mid/Specialty 0.96 -1.33 -1.33 8.38 0.66 4.49 7.39 10/01/2002 0.48 0.48
T. Rowe Price Overseas Stock Fund - I Class - C421 Global / International 3.09 4.25 4.25 13.63 2.94 7.21 4.95 12/29/2006 0.67 0.67
Vanguard® Total International Stock Index Fund- Inst Shares - 9772 Global / International 3.04 4.32 4.32 13.00 1.91 6.19 4.48 04/29/1996 0.08 0.08

The risks of investing in small company stocks may include relatively low trading volumes, a greater degree of change in earnings and greater short-term volatility.

Foreign investing involves special risks such as currency fluctuation and public disclosure, as well as economic and political risks.

Some of the Funds invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the Funds are not insured nor guaranteed.

High yielding fixed-income securities generally are subject to greater market fluctuations and risks of loss of income and principal than are investments in lower yielding fixed-income securities.

Sector funds may involve greater-than average risk and are often more volatile than funds holding a diversified portfolio of stocks in many industries. Examples include: banking, biotechnology, chemicals, energy, environmental services, natural resources, precious metals, technology, telecommunications, and utilities.

*The Gross Expense Ratios shown do not reflect temporary fee or expense waivers that may be in effect for a fund. The Net Expense Ratios reflect any applicable temporary fee or expense waivers. The performance of a fund with a temporary fee or expense waiver would have been lower if the gross fund fees/expenses listed had been reflected.

(1) The current rate for the Voya Fixed Plus Account III MC 905, Fund 4020 is 2.25%, expressed as an annual effective yield. The current rate may change and be higher or lower than the previously identified rate but is guaranteed not to be less than 1.50% through 12/31/2024. VRIAC will not apply a decrease to the current rate following a rate change initiated solely by us prior to the last day of the three-month period measured from the first day of the month in which such change was effective. Note: The current rate for an initial investment in the fixed account previously identified may be in effect for less than a full three-month period. Guarantees are based on the claims-paying ability of Voya Retirement Insurance and Annuity Company.

(2) YOU COULD LOSE MONEY BY INVESTING IN THE FUND. ALTHOUGH THE FUND SEEKS TO PRESERVE THE VALUE OF YOUR INVESTMENT AT $1.00 PER SHARE, IT CANNOT GUARANTEE IT WILL DO SO. AN INVESTMENT IN THE FUND IS NOT INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENT AGENCY. THE FUND'S SPONSOR HAS NO LEGAL OBLIGATION TO PROVIDE FINANCIAL SUPPORT TO THE FUND, AND YOU SHOULD NOT EXPECT THAT THE SPONSOR WILL PROVIDE FINANCIAL SUPPORT TO THE FUND AT ANY TIME.

(3) JPMorgan Large Cap Growth Fund - Class R6 Shares: The Fund's adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding Acquired Fund Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 0.44% of the average daily net assets of Class R6 Shares. The Fund may invest in one or more money market funds advised by the adviser or its affiliates (affiliated money market funds). The Fund's adviser, shareholder servicing agent and/or administrator have contractually agreed to waive fees and/or reimburse expenses in an amount sufficient to offset the respective net fees each collects from the affiliated money market funds on the Fund's investment in such money market funds. These waivers are in effect through 10/31/24, at which time it will be determined whether such waivers will be renewed or revised. To the extent that the Fund engages in securities lending, affiliated money market fund fees and expenses resulting from the Fund's investment of cash received from securities lending borrowers are not included in Total Annual Fund Operating Expenses and therefore, the above waivers do not apply to such investments.

(4) The Investment Option is neither a mutual fund nor part of a Separate Account. The returns listed do not include the impact of contract charges. Please refer to the contract or disclosure book to determine which Fixed Interest Options are available for your specific plan. The Investment Option is offered through Voya Retirement Insurance and Annuity Company.

(5) The current yield reflects the deduction of all charges that are deducted from the total return quotations shown.

(6) American Funds Target Date: Depending on the proximity to its target date, which we define as the year that corresponds roughly to the year in which the investor expects to retire, the fund will seek to achieve the following objectives to varying degrees: growth, income and conservation of capital. The fund will increasingly emphasize income and conservation of capital by investing a greater portion of its assets in fixed income, equity-income and balanced funds as it approaches and passes its target date. In this way, the fund seeks to balance total return and stability over time.