Investment Performance

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Average Annual Total Returns as of 12/31/2021    (shown in percentages)  

 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. An annual asset based Administrative Fee is deducted from your account quarterly at an annual rate of 0.15% of balances held in each of the mutual funds. This fee does not apply to assets held in Voya Fixed Plus Account III.  The performance data shown below does not reflect this administrative expense. If such fees had been reflected, returns would be less favorable. 

 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 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr10-Yr InceptFund Inception Date Gross Fund Exp %* Net Fund Exp %* 
Stability of Principal   
   Stability of Principal 
Voya Fixed Plus Account III - 4020 (1)(2)(7)   
   Inflation-Protected Bond 
Loomis Sayles Inflation Protected Securities Fund - Instl Cl - 6507 (3)0.331.845. 0.40  
   Intermediate Core-Plus Bond 
Dodge & Cox Income Fund - 2683 0.13-0.43-0.91-0.915.974.374.0701/03/19890.42 0.42  
   Multisector Bond 
Pioneer Strategic Income Fund - Class K Shares - 3795 0.400.032.612.616.964.964.9704/14/19990.62 0.62  
Asset Allocation   
   Lifecycle - Index 
Vanguard® Institutional Target Retirement 2015 Fund - Inst - 4701 (4) 0.09  
Vanguard® Institutional Target Retirement 2020 Fund - Inst - 4702 (4)1.632.998.298.2912.629.327.6606/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2025 Fund - Inst - 4703 (4)2.073.619.959.9514.2510.438.4706/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2030 Fund - Inst - 4704 (4)2.424.1211.5211.5215.5211.299.0606/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2035 Fund - Inst - 4705 (4)2.754.6413.1213.1216.7612.129.6506/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2040 Fund - Inst - 4706 (4)3.085.1114.7414.7417.9712.9310.2006/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2045 Fund - Inst - 4707 (4)3.395.5616.2916.2919.1113.5910.7206/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2050 Fund - Inst - 4708 (4)3.505.6916.5916.5919.2613.6710.7806/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2055 Fund - Inst - 4709 (4)3.495.6416.5416.5419.2513.6810.7806/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2060 Fund - Inst - 4710 (4)3.515.6616.5616.5619.3013.6810.7806/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2065 Fund - Inst - 8985 (4)3.505.6816.5616.5619.2212.7407/12/20170.09 0.09  
Vanguard® Institutional Target Retirement Income Fund- Inst - 4711 (4)0.992.055.345.349.526.935.9006/26/20150.09 0.09  
Large Cap Value/Blend   
   Large Blend 
TIAA-CREF Social Choice Equity Fund - Institutional Class - 1224 (5)4.619.4726.4626.4626.0217.9815.7507/01/19990.18 0.18  
Vanguard® Total Stock Market Index Fund - Admiral™ Shares - 1122 3.829.1625.7125.7125.7717.9816.2911/13/20000.04 0.04  
   Large Value 
MFS® Value Fund - Class R6 - 9857 5.958.6025.5525.5519.3612.5813.6901/02/19960.47 0.47  
Large Cap Growth   
   Large Growth 
American Funds AMCAP Fund® - Class R-6 - 1949 3.247.6924.0724.0724.1818.2016.4205/01/19670.34 0.34  
   Mid-Cap Blend 
Vanguard® Mid-Cap Index Fund - Admiral™ Shares - 756 3.897.9724.5124.5124.4815.8615.1211/12/20010.05 0.05  
   Mid-Cap Growth 
Delaware Ivy Mid Cap Growth Fund - Class R6 - 6196 (6)3.044.9516.9116.9134.1325.3017.2806/30/20000.82 0.79  
   Mid-Cap Value 
Vanguard® Mid-Cap Value Index Fund - Admiral™ Shares - 3311 6.168.2128.7628.7619.1111.6113.5708/17/20060.07 0.07  
   Small Blend 
Vanguard® Small-Cap Index Fund - Admiral™ Shares - 757 3.483.8717.7317.7321.3313.4914.1611/13/20000.05 0.05  
   Small Growth 
Vanguard® Explorer™ Fund - Admiral™ Shares - 828 2.173.8016.3716.3726.2119.2916.2511/12/20010.30 0.30  
   Small Value 
DFA U.S. Targeted Value Portfolio - Institutional Class - 2566 5.267.0638.8038.8020.5010.0612.9802/23/20000.33 0.33  
   Specialty - Real Estate 
Vanguard® Real Estate Index Fund - Admiral™ Shares - 802 9.7214.9040.4040.4019.9511.2411.5111/12/20010.12 0.12  
Global / International   
   Foreign Large Blend 
MFS® Institutional International Equity Fund - 1118 4.866.7715.1615.1618.0013.4510.1301/30/19960.70 0.70  
   Foreign Large Value 
Dodge & Cox International Stock Fund - 735 5.112.4011.0311.0311.657.197.5805/01/20010.63 0.63  
 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 any temporary fee or expense waivers that may be in effect for a fund. 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 901, Fund 4020 is 1.00%, 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 1.00%. 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. 

(2) Voya Fixed Plus Account III - Voya will credit interest at an annual effective rate of 3.00% from 03/25/2014 through 03/31/2016, which is higher than the standard Voya Fixed Plus Account III credited rate. Currently, the standard Voya Fixed Plus Account III credited rate is 2.10%, guaranteed not to be less than 1.90% through December 31, 2014.  Beginning 04/01/2016 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) Loomis Sayles Inflation Protected Securities Fund - Institutional Class: Loomis, Sayles & Company, L.P. ("Loomis Sayles" or the "Adviser") has given a binding contractual undertaking to the Fund to limit the amount of the Fund's total annual fund operating expenses to 0.40% of the Fund's average daily net assets for Institutional Class shares exclusive of brokerage expenses, interest expense, taxes, acquired fund fees and expenses, organizational and extraordinary expenses, such as litigation and indemnification expenses. This undertaking is in effect through January 31, 2022 and may be terminated before then only with the consent of the Fund's Board of Trustees. The Adviser will be permitted to recover, on a class by class basis, management fees waived and/or expenses reimbursed to the extent that expenses in later periods fall below the applicable expense limitations for Institutional Class shares. The Fund will not be obligated to repay any such waived/reimbursed fees and expenses more than one year after the end of the fiscal year in which the fees or expenses were waived/reimbursed. 
(4) 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 workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.
These fund suggestions are based on an estimated retirement age of approximately 65. Should you choose to retire significantly earlier or later, you may want to consider a fund with an asset allocation more appropriate to your particular situation.

All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss. Investments in bonds are subject to interest rate, credit, and inflation risk.
(5) TIAA-CREF Social Choice Equity Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC, has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired fund fees and expenses and extraordinary expenses) that exceed 0.22% of average daily net assets. These expense reimbursement arrangements will continue through at least February 28, 2019, unless changed with approval of the Board of Trustees. 

(6) Ivy Mid Cap Growth Fund - Class N: Through July 31, 2020, Ivy Investment Management Company (IICO), the Fund's investment manager, Ivy Distributors, Inc. (IDI), the Fund's distributor, and/or Waddell & Reed Services Company, doing business as WI Services Company (WISC), the Fund's transfer agent, have contractually agreed to reimburse sufficient management fees, 12b-1 fees and/or shareholder servicing fees to cap the total annual ordinary fund operating expenses (which would exclude interest, taxes, brokerage commissions, acquired fund fees and expenses and extraordinary expenses, if any) as follows: Class N shares at 0.79%. Prior to that date, the expense limitation may not be terminated without the consent of the Board of Trustees (Board). Through July 31, 2020, IDI and/or WISC have contractually agreed to reimburse sufficient 12b-1 and/or shareholder servicing fees to ensure that the total annual ordinary fund operating expenses of the Class N shares do not exceed the total annual ordinary fund operating expenses of the Class I shares as calculated at the end of each month. Prior to that date, the expense limitation may not be terminated without the consent of the Board. Due to a separate contractual class waiver, certain common expenses applicable to all share classes also may be waived to cap total annual ordinary fund operating expenses, which may serve to reduce the expense ratio of certain share classes. The Total Annual Fund Operating Expenses After Fee Waiver and/or Expense Reimbursement ratio shown does not correlate to the expense ratio shown in the Financial Highlights table because it has been restated to exclude certain one-time expenses of the Fund. The Total Annual Fund Operating Expenses After Fee Waiver and/or Expense Reimbursement ratio shown does not correlate to the expense ratio shown in the Financial Highlights table because it has been restated to reflect a new contractual class waiver. 
(7) 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. 

Creation Date: Monday, January 17, 2022

Insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided by) Voya Retirement Insurance and Annuity Company, One Orange Way, Windsor, CT 06095-4774. Securities are distributed by Voya Financial Partners LLC (member SIPC). Custodial account agreements or trust agreements are provided by Voya Institutional Trust Company. All companies are members of the Voya™ family of companies. Securities may also be distributed through other broker-dealers with which Voya has selling agreements. Insurance obligations are the responsibility of each individual company. Product and services may not be available in all states.