Investment Performance

Mutual funds offered through a retirement plan are investments designed for retirement purposes. Early withdrawals will reduce your account value.

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. An asset based service fee is deducted from your account quarterly at an annual rate of 0.06% of balances held in each of the funds including the Voya Fixed Plus III - 457/401. The performance data shown below does not reflect this administrative expense. If such fees had been reflected, the performance data shown for each option would have been lower.

Voya will assess an annual asset-based service fee of 0.05% 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 0.35 1.06 2.12 4.69 4.62 2.79 1.94 07/13/1981 0.11 0.11
Voya Fixed Plus III - 457/401 - 4300 (2)(5)(7) Stability of Principal 0.22 0.68 1.35 2.79 2.76 2.78 2.70
PIMCO Real Return Fund - Institutional Class - 2695 Bonds 1.25 0.57 5.32 6.72 2.87 1.96 2.84 01/29/1997 0.50 0.50
Vanguard® Total Bond Market Index Fund - Institutional - 799 Bonds 1.59 1.30 4.12 6.07 2.61 -0.72 1.77 09/18/1995 0.03 0.03
Dodge & Cox Income Fund - Class X - F634 (8) Bonds 1.84 1.43 4.36 6.58 4.36 1.14 2.92 01/03/1989 0.36 0.33
Vanguard® Target Retirement 2020 Trust II CIT - PO03 Asset Allocation 2.38 5.14 6.33 10.28 8.70 6.20 6.12 06/22/2007 0.08 0.08
Vanguard® Target Retirement 2025 Trust II CIT - PO04 Asset Allocation 2.89 6.65 7.36 11.77 10.46 7.55 6.96 06/28/2007 0.08 0.08
Vanguard® Target Retirement 2030 Trust II CIT - PO05 Asset Allocation 3.30 7.67 7.95 12.67 11.68 8.64 7.59 06/28/2007 0.08 0.08
Vanguard® Target Retirement 2035 Trust II CIT - PO06 Asset Allocation 3.54 8.39 8.43 13.38 12.75 9.72 8.21 06/28/2007 0.08 0.08
Vanguard® Target Retirement 2040 Trust II CIT - PO07 Asset Allocation 3.79 9.09 8.92 14.13 13.82 10.78 8.80 06/28/2007 0.08 0.08
Vanguard® Target Retirement 2045 Trust II CIT - PO08 Asset Allocation 4.03 9.77 9.37 14.80 14.85 11.83 9.32 06/28/2007 0.08 0.08
Vanguard® Target Retirement 2050 Trust II CIT - PO09 Asset Allocation 4.28 10.59 9.98 15.63 15.64 12.30 9.54 06/28/2007 0.08 0.08
Vanguard® Target Retirement 2055 Trust II CIT - PO10 Asset Allocation 4.29 10.59 9.99 15.60 15.64 12.30 9.54 08/31/2010 0.08 0.08
Vanguard® Target Retirement 2060 Trust II CIT - PO11 Asset Allocation 4.28 10.57 10.01 15.62 15.65 12.31 9.55 03/01/2012 0.08 0.08
Vanguard® Target Retirement 2065 Trust II CIT - PO12 Asset Allocation 4.28 10.58 10.00 15.59 15.65 12.30 10.46 07/17/2017 0.08 0.08
Vanguard® Target Retirement 2070 Trust II CIT - PO13 Asset Allocation 4.30 10.56 10.02 15.59 15.67 9.61 04/06/2022 0.08 0.08
Vanguard® Target Retirement Income Trust II CIT - PO02 Asset Allocation 2.14 4.56 5.95 9.66 7.35 4.50 4.74 06/22/2007 0.08 0.08
Vanguard® FTSE Social Index Fund - Institutional Shares - 1215 Large Cap Value/Blend 5.56 12.79 5.78 15.36 20.55 16.14 13.87 12/15/2006 0.07 0.07
Vanguard® Institutional Index Fund - Institutional Shares - 566 Large Cap Value/Blend 5.08 10.93 6.18 15.12 19.67 16.60 13.61 07/31/1990 0.04 0.04
MFS® Value Fund - Class R6 - 9857 (9) Large Cap Value/Blend 2.32 2.79 6.86 12.31 12.02 12.84 9.50 01/02/1996 0.45 0.44
JPMorgan Large Cap Growth Fund - Class R6 Shares - 3494 (3) Large Cap Growth 6.29 15.53 6.60 15.01 25.36 17.35 17.84 02/22/1994 0.50 0.44
Vanguard® Growth Index Fund - Institutional Shares - 7593 Large Cap Growth 6.17 18.36 7.12 17.93 26.08 17.46 16.19 05/14/1998 0.04 0.04
Vanguard® Mid-Cap Index Fund - Institutional Shares - 1197 Small/Mid/Specialty 4.01 8.70 6.98 17.52 14.33 13.02 9.97 05/21/1998 0.04 0.04
MFS® Mid Cap Growth Fund - Class R6 - 8133 (10) Small/Mid/Specialty 5.60 15.54 8.59 15.64 15.88 9.72 11.80 12/01/1993 0.67 0.66
T. Rowe Price Mid-Cap Value Fund - I Class - 8926 Small/Mid/Specialty 2.06 1.00 -2.01 5.47 13.07 15.38 9.58 06/28/1996 0.71 0.71
Vanguard® Small-Cap Index Fund - Institutional Shares - 1198 Small/Mid/Specialty 4.24 7.30 -0.61 10.16 12.18 11.85 8.59 07/07/1997 0.04 0.04
Vanguard® Small-Cap Growth Index Fund- Institutional Shares - 1619 Small/Mid/Specialty 4.99 10.14 -0.79 11.35 12.78 7.37 8.32 05/24/2000 0.06 0.06
DFA U.S. Targeted Value Portfolio - Institutional Class - 2566 (11) Small/Mid/Specialty 4.52 5.41 -2.04 6.58 11.89 18.50 8.52 02/23/2000 0.30 0.29
Vanguard® Real Estate Index Fund - Institutional Shares - 1225 Small/Mid/Specialty 0.58 -0.69 1.94 10.34 3.57 6.55 5.96 12/02/2003 0.11 0.11
Nuveen International Equity Index Fund - Class R6 - 798 Global / International 2.55 11.62 20.55 18.44 16.11 11.31 6.69 10/01/2002 0.05 0.05
American Funds EUPAC Fund® - Class R-6 - 1723 Global / International 3.94 13.22 16.19 13.86 13.48 8.17 6.52 04/16/1984 0.47 0.47
DFA World ex U.S. Value Portfolio - Institutional Class - D326 (4) Global / International 4.24 11.24 20.72 20.28 16.49 15.61 6.75 08/23/2010 0.57 0.38
Invesco Global Fund - Class R6 - 3505 Global / International 5.83 14.46 8.10 10.50 19.19 11.75 9.83 12/22/1969 0.72 0.72

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 III - 457/401: The crediting rate from 01/01/2019 through 12/31/2020 was 3.00%. The crediting rate from 01/01/2021 through 12/31/2021 was 2.85%. The crediting rate from 01/01/2022 through 12/31/2022 was 2.55%. The crediting rate from 01/01/2023 through 12/31/2023 was 2.55%, and the prevailing interest rate thereafter. Please note the Guaranteed Minimum Interest Rate is 1.00% for the life of contract. 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 III - 457/401 to other contract investment options. Please refer to your product prospectus / disclosure booklet or call your 800 number for more information.

(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 10/31/25, 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) DFA World ex U.S. Value 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, 2026, 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.

(5) 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.

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

(7) The current rate for the Voya Fixed Plus III - 457/401 MC 929, Fund 4300 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 12/31/2025. 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.

(8) Dodge & Cox Income Fund - Class X: Management fees include investment advisory fee expenses of 0.30% for class X of the Fund; and administrative services fee expenses of 0.05% for the Fund's Class X shares. Dodge & Cox has contractually agreed to reimburse the Fund for all ordinary expenses to the extent necessary to maintain Total Annual Fund Operating Expenses of the Fund's Class X shares at 0.33% until April 30, 2026. This agreement cannot be terminated prior to April 30, 2026 other than by resolution of the Fund's Board of Trustees. For purposes of the foregoing, ordinary expenses shall not include nonrecurring shareholder account fees, fees and expenses associated with Fund shareholder meetings, fees on portfolio transactions such as exchange fees, dividends and interest on short positions, fees and expenses of pooled investment vehicles that are held by the Fund, interest expenses and other fees and expenses related to any borrowings, taxes, brokerage fees and commissions and other costs and expenses relating to the acquisition and disposition of Fund investments, other expenditures which are capitalized in accordance with generally accepted accounting principles, and other non-routine expenses or extraordinary expenses not incurred in the ordinary course of the Fund's business, such as litigation expenses. The term of the agreement will automatically renew for subsequent three-year terms unless terminated with at least 30 days' written notice by either party prior to the end of the then-current term. The agreement does not permit Dodge & Cox to recoup any fees waived or payments made to the Fund for a prior year.

(9) MFS Value Fund - Class R6: Massachusetts Financial Services Company (MFS) has agreed in writing to waive at least 0.01% of the fund's management fee as part of an agreement pursuant to which MFS has agreed to reduce its management fee by a specified amount if certain MFS mutual fund assets exceed thresholds agreed to by MFS and the fund's Board of Trustees. The agreement to waive at least 0.01% of the management fee will continue until modified by the fund's Board of Trustees, but such agreement will continue until at least December 31, 2025.

(10) MFS Mid Cap Growth Fund - Class R6: Massachusetts Financial Services Company (MFS) has agreed in writing to waive at least 0.01% of the fund's management fee as part of an agreement pursuant to which MFS has agreed to reduce its management fee by a specified amount if certain MFS mutual fund assets exceed thresholds agreed to by MFS and the fund's Board of Trustees. The agreement to waive at least 0.01% of the management fee will continue until modified by the fund's Board of Trustees, but such agreement will continue until at least December 31, 2025.

(11) DFA U.S. Targeted Value 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, 2026, 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.