Investment Performance
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 0.09% 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 (1) | Stability of Principal | 0.30 | 0.92 | 2.73 | 3.74 | 4.53 | 3.76 | 2.40 | 07/13/1981 | 0.11 | 0.11 | |
| Voya Fixed Plus Account III - 4020 (2)(4)(6) | Stability of Principal | 0.22 | 0.69 | 2.05 | 2.75 | 2.75 | 2.54 | 2.56 | ||||
| Vanguard® Total International Bond Index Fund-Admiral™ Sh - 6552 | Bonds | -1.28 | -2.65 | -1.44 | -0.93 | 3.86 | -0.11 | 1.27 | 05/31/2013 | 0.10 | 0.10 | |
| Vanguard® Total Bond Market Index Fund - Admiral™ Shares - 898 | Bonds | -2.50 | -3.45 | -2.72 | -1.75 | 4.04 | -0.65 | 1.13 | 11/12/2001 | 0.04 | 0.04 | |
| TCW MetWest Total Return Bond Fund - Class I Shares - 2287 | Bonds | -3.07 | -4.13 | -3.49 | -2.56 | 4.15 | -1.05 | 1.20 | 03/31/2000 | 0.45 | 0.43 | |
| Vanguard® Short-Term Bond Index Fund - Admiral™ Shares - 3314 | Bonds | -1.04 | -0.94 | -0.41 | 0.78 | 4.26 | 1.50 | 1.80 | 11/12/2001 | 0.06 | 0.06 | |
| Vanguard® Target Retirement 2020 Fund - 1296 (3) | Asset Allocation | -1.77 | -1.56 | 3.24 | 4.93 | 10.45 | 4.40 | 6.48 | 06/07/2006 | 0.08 | 0.08 | |
| Vanguard® Target Retirement 2025 Fund - 926 (3) | Asset Allocation | -1.78 | -1.18 | 5.16 | 7.26 | 12.82 | 5.73 | 7.65 | 10/27/2003 | 0.08 | 0.08 | |
| Vanguard® Target Retirement 2030 Fund - 1297 (3) | Asset Allocation | -1.81 | -0.97 | 6.54 | 9.00 | 14.49 | 6.73 | 8.57 | 06/07/2006 | 0.08 | 0.08 | |
| Vanguard® Target Retirement 2035 Fund - 793 (3) | Asset Allocation | -1.76 | -0.67 | 7.78 | 10.47 | 15.86 | 7.66 | 9.43 | 10/27/2003 | 0.08 | 0.08 | |
| Vanguard® Target Retirement 2040 Fund - 1298 (3) | Asset Allocation | -1.70 | -0.38 | 8.97 | 11.90 | 17.21 | 8.55 | 10.28 | 06/07/2006 | 0.08 | 0.08 | |
| Vanguard® Target Retirement 2045 Fund - 794 (3) | Asset Allocation | -1.62 | -0.08 | 10.16 | 13.32 | 18.52 | 9.42 | 11.01 | 10/27/2003 | 0.08 | 0.08 | |
| Vanguard® Target Retirement 2050 Fund - 1299 (3) | Asset Allocation | -1.58 | 0.20 | 11.32 | 14.72 | 19.73 | 10.17 | 11.41 | 06/07/2006 | 0.08 | 0.08 | |
| Vanguard® Target Retirement 2055 Fund - 2473 (3) | Asset Allocation | -1.56 | 0.23 | 11.46 | 14.87 | 19.79 | 10.21 | 11.42 | 08/18/2010 | 0.08 | 0.08 | |
| Vanguard® Target Retirement 2060 Fund - 3447 (3) | Asset Allocation | -1.56 | 0.24 | 11.46 | 14.87 | 19.79 | 10.21 | 11.42 | 01/19/2012 | 0.08 | 0.08 | |
| Vanguard® Target Retirement 2065 Fund - 8995 (3) | Asset Allocation | -1.57 | 0.25 | 11.47 | 14.89 | 19.79 | 10.22 | 11.01 | 07/12/2017 | 0.08 | 0.08 | |
| Vanguard® Target Retirement 2070 Fund - F690 (3) | Asset Allocation | -1.58 | 0.23 | 11.44 | 14.86 | 19.78 | 15.91 | 06/17/2022 | 0.08 | 0.08 | ||
| Vanguard® Target Retirement Income Fund - 795 (3) | Asset Allocation | -1.80 | -1.60 | 2.80 | 4.40 | 9.39 | 3.75 | 4.98 | 10/27/2003 | 0.08 | 0.08 | |
| Parnassus Core Equity Fund® - Institutional Shares - 2453 | Large Cap Value | -1.05 | -0.44 | 9.23 | 11.04 | 17.52 | 10.43 | 13.67 | 04/28/2006 | 0.61 | 0.61 | |
| Vanguard® Institutional Index Fund - Institutional Shares - 566 | Large Cap Value | -0.35 | 2.30 | 12.72 | 15.70 | 22.85 | 13.75 | 15.30 | 07/31/1990 | 0.04 | 0.04 | |
| Dodge & Cox Stock Fund - Class I Shares - 466 | Large Cap Value | -5.79 | 1.33 | 5.18 | 7.82 | 14.56 | 9.57 | 12.34 | 01/04/1965 | 0.51 | 0.51 | |
| JPMorgan Equity Income Fund - Class R6 Shares - 3507 | Large Cap Value | -3.51 | 0.73 | 13.89 | 16.68 | 17.00 | 10.64 | 11.71 | 02/18/1992 | 0.45 | 0.45 | |
| T. Rowe Price Large-Cap Growth Fund - I Class - 2467 | Large Cap Growth | 0.83 | 3.65 | 5.53 | 7.41 | 22.94 | 10.34 | 17.42 | 10/31/2001 | 0.55 | 0.55 | |
| Vanguard® Morningstar Mid-Cap Index - Admiral™ Shares - 756 | Small/Mid/Specialty | -4.08 | -2.32 | 9.24 | 8.34 | 16.42 | 7.43 | 10.95 | 11/12/2001 | 0.05 | 0.05 | |
| Champlain Mid Cap Fund - Institutional Shares - 4766 | Small/Mid/Specialty | -3.23 | 2.63 | 5.35 | 5.12 | 8.42 | 0.62 | 9.84 | 06/30/2008 | 0.86 | 0.86 | |
| Vanguard® Morningstar Small-Cap Index - Admiral™ Shares - 757 | Small/Mid/Specialty | -4.59 | -5.80 | 11.37 | 13.39 | 16.23 | 6.97 | 10.42 | 11/13/2000 | 0.05 | 0.05 | |
| Vanguard® Strategic Small-Cap Equity Fund - Investor Shares - 7428 | Small/Mid/Specialty | -3.76 | -6.55 | 17.16 | 21.63 | 21.85 | 12.16 | 12.17 | 04/24/2006 | 0.21 | 0.21 | |
| DFA Real Estate Securities Portfolio - Institutional Class - 1438 (7) | Small/Mid/Specialty | -5.73 | -6.43 | 7.47 | 5.01 | 10.71 | 2.20 | 5.10 | 01/05/1993 | 0.21 | 0.18 | |
| American Funds New World Fund® - Class R-6 - 3491 | Global / International | -1.06 | -1.40 | 15.00 | 19.89 | 19.87 | 7.57 | 10.51 | 06/17/1999 | 0.57 | 0.57 | |
| Vanguard® Developed Markets Index Fund - Admiral™ Shares - 6500 | Global / International | -2.92 | -0.68 | 14.21 | 20.76 | 20.91 | 10.30 | 9.74 | 08/17/1999 | 0.05 | 0.05 | |
| American Funds EUPAC Fund® - Class R-6 - 1723 | Global / International | -2.73 | -0.39 | 10.84 | 15.96 | 18.41 | 5.93 | 9.01 | 04/16/1984 | 0.47 | 0.47 |
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) 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 A BANK ACCOUNT AND IS NOT INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENT AGENCY. THE FUND'S SPONSOR IS NOT REQUIRED TO REIMBURSE THE FUND FOR LOSSES, AND YOU SHOULD NOT EXPECT THAT THE SPONSOR WILL PROVIDE FINANCIAL SUPPORT TO THE FUND AT ANY TIME, INCLUDING DURING PERIODS OF MARKET STRESS.
(2) Voya Fixed Plus Account III - Voya will credit interest at an annual effective rate of at least 3.25% through July 2017, 3.00% from August 2017 through July 2018, 2.50% from August 2018 through July 2019 and 2.25% from August 2019 through July 2020. Each of these is higher than the standard Voya Fixed Plus Account III credited rate. Beginning August 1, 2020 and thereafter, the credited rate for your plan will be the same as the standard Voya Fixed Plus Account III credited rate in effect at that time. Please note the Guaranteed Minimum Interest Rate is 1.00%. Guarantees are based on the claims-paying ability of Voya Retirement Insurance and Annuity Company. Restrictions may apply to transfers of funds from the Voya Fixed Plus Account III to other contract investment options. Please refer to your product prospectus / disclosure booklet or call your 800 number for more information.
(3) Vanguard Target Retirement Funds: Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the work force. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in the Target Retirement Fund is not guaranteed at any time, including on or after the target date.
(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) The current rate for the Voya Fixed Plus Account III MC 924, Fund 4020 is 2.75%, 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 the calendar year floor rate of 2.00%, which will not change through 12/31/2026. In addition, the current rate is guaranteed not to be less than the Guaranteed Minimum Interest Rate of 1.00%. 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.
(7) DFA Real Estate Securities Portfolio - Institutional Class: Dimensional Fund Advisors LP (the "Advisor") has agreed to waive certain fees and in certain instances, assume certain expenses of the Portfolio. The Fee Waiver and/or Expense Assumption Agreement for the Portfolio will remain in effect through February 28, 2027, and may only be terminated by the Fund's Board of Directors prior to that date. Under certain circumstances, the Advisor retains the right to seek reimbursement for any fees previously waived and/or expenses previously assumed up to thirty-six months after such fee waiver and/or expense assumption.