Investment Performance

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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.

Voya will assess an annual asset-based service fee of 0.01% 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.

The returns assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses.

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 %*
Kern Stable Value Fund - 8920 (1)(3) Stability of Principal 0.18 0.53 0.53 2.00 1.58 1.82 1.96 09/16/2017 0.32 0.32
PIMCO International Bond Fund (U.S. Dollar-Hedged) - Class I - 8514 Bonds 1.39 1.21 1.21 7.75 -0.14 1.69 3.31 12/02/1992 0.63 0.63
Pioneer High Yield Fund - Class Y Shares - 1450 (4) Bonds 1.19 2.43 2.43 10.14 1.82 3.66 3.55 02/12/1998 0.91 0.85
Harbor Core Plus Fund - Retirement Class - D328 (2) Bonds 0.95 -0.10 -0.10 3.14 -1.74 1.18 2.04 12/29/1987 0.31 0.30
Fidelity Asset Manager® 50% - 975 Asset Allocation 1.95 3.98 3.98 11.97 2.69 6.65 5.83 12/28/1988 0.62 0.62
Vanguard® Wellesley® Income Fund - Admiral™ Shares - 2322 Balanced 2.55 1.92 1.92 7.70 2.19 5.01 5.40 05/14/2001 0.16 0.16
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 Equity Income Fund - Class R6 Shares - 3507 Large Cap Value/Blend 4.33 7.40 7.40 15.37 8.30 10.54 10.00 02/18/1992 0.45 0.45
American Funds The Growth Fund of America® - Class R-6 - 1724 Large Cap Growth 3.13 12.62 12.62 39.32 7.94 15.02 13.43 12/01/1973 0.30 0.30
Fidelity® Contrafund® - Class K6 - C937 Large Cap Growth 3.08 17.73 17.73 45.98 12.86 16.97 16.19 05/25/2017 0.45 0.45
Artisan Mid Cap Fund - Institutional Shares - 9806 Small/Mid/Specialty 2.48 10.44 10.44 22.09 -0.53 11.71 9.97 07/03/2000 0.96 0.96
T. Rowe Price Mid-Cap Growth Fund, Inc. - 477 Small/Mid/Specialty 2.52 8.47 8.47 21.50 4.07 10.29 11.20 06/30/1992 0.77 0.77
Fidelity Low Priced Stock K6 - QG97 Small/Mid/Specialty 4.69 8.31 8.31 22.90 8.86 12.79 11.06 05/26/2017 0.50 0.50
John Hancock Disciplined Value Mid Cap Fund - Class R6 - 6229 (5) Small/Mid/Specialty 4.74 9.10 9.10 25.59 9.85 12.86 10.23 12/31/2002 0.76 0.75
Vanguard® Small-Cap Index Fund - Institutional Shares - 1198 Small/Mid/Specialty 4.37 7.52 7.52 22.53 3.81 10.00 8.95 07/07/1997 0.04 0.04
Janus Henderson Venture Fund - Class N Shares - 9690 Small/Mid/Specialty 2.67 7.08 7.08 15.40 0.05 7.81 9.50 04/30/1985 0.67 0.67
Cohen & Steers Real Estate Securities Fund - Class Z - 1999 Small/Mid/Specialty 1.43 -0.46 -0.46 9.85 3.07 5.57 8.34 07/15/1998 0.75 0.75
American Funds New World Fund® - Class R-6 - 3491 Global / International 2.43 5.22 5.22 14.64 -0.07 7.22 5.99 06/17/1999 0.57 0.57
Hartford Schroders International Stock Fund - Class SDR - E560 Global / International 1.81 4.92 4.92 10.94 2.26 9.44 6.53 12/20/1985 0.71 0.71
American Funds Capital World Growth and Income Fund® - R-6 - 1960 Global / International 3.51 8.27 8.27 23.44 6.29 10.22 8.26 03/25/1993 0.42 0.42

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) Stable Value Options invests in Voya's Stabilizer managed separate account annuity contract, issued by Voya Retirement Insurance and Annuity Company. The contract provides for declared credited interest rates that are set in advance. The declared rates are net of all expenses. Guarantees of principal and interest are based on the claims paying ability of Voya Retirement Insurance and Annuity Company. Stable Value Option is not a registered investment company and is not registered with the Securities and Exchange Commission. The CURRENT rate for the Stable Value Option is 2.30%, expressed as an annual effective yield, and is guaranteed not to drop below 2.30% through 06/30/2024.

(2) Harbor Core Plus Fund - Retirement Class: The Adviser has contractually agreed to reduce the management fee to 0.43% on assets between $1 billion and $3 billion and 0.405% on assets greater than $3 billion through February 29, 2020. Additionally, the Adviser has contractually agreed to limit the Fund's operating expenses, excluding interest expense (if any), to 0.43% for the Retirement Class through February 29, 2020. Only the Fund'sBoard of Trustees may modify or terminate these agreements.

(3) 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.

(4) Pioneer High Yield Fund - Class Y Shares: The fund's investment adviser has contractually agreed to limit ordinary operating expenses (ordinary operating expenses means all fund expenses other than taxes, brokerage commissions, acquired fund fees and expenses, and extraordinary expenses, such as litigation) to the extent required to reduce fund expenses to 0.85% of the average daily net assets attributable to Class Y shares. These expense limitations are in effect through March 1, 2024. There can be no assurance that the adviser will extend the expense limitations beyond such time. Net expenses for a class may exceed the applicable expense limitation to the extent that the fund incurs excluded expenses. While in effect, the arrangement may be terminated for a class only by agreement of the adviser and the Board of Trustees.

(5) John Hancock Disciplined Value Mid Cap Fund - Class R6 Shares: The advisor contractually agrees to waive a portion of its management fee and/or reimburse expenses for the fund and certain other John Hancock funds according to an asset level breakpoint schedule that is based on the aggregate net assets of all the funds participating in the waiver or reimbursement, including the fund (the participating portfolios). This waiver equals, on an annualized basis, 0.0100% of that portion of the aggregate net assets of all the participating portfolios that exceeds $75 billion but is less than or equal to $125 billion; 0.0125% of that portion of the aggregate net assets of all the participating portfolios that exceeds $125 billion but is less than or equal to $150 billion; 0.0150% of that portion of the aggregate net assets of all the participating portfolios that exceeds $150 billion but is less than or equal to $175 billion; 0.0175% of that portion of the aggregate net assets of all the participating portfolios that exceeds $175 billion but is less than or equal to $200 billion; 0.0200% of that portion of the aggregate net assets of all the participating portfolios that exceeds $200 billion but is less than or equal to $225 billion; and 0.0225% of that portion of the aggregate net assets of all the participating portfolios that exceeds $225 billion. The amount of the reimbursement is calculated daily and allocated among all the participating portfolios in proportion to the daily net assets of each participating portfolio. During its most recent fiscal year, the fund's reimbursement amounted to 0.01% of the fund's average daily net assets. This agreement expires on July 31, 2025, unless renewed by mutual agreement of the fund and the advisor based upon a determination that this is appropriate under the circumstances at that time.