ORP Investment Performance

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PERFORMANCE UPDATE  
Voya Retirement Insurance and Annuity Company  
TEXAS STATE UNIVERSITY SYSTEM  
Variable Annuity Account C, Non-Standardized Returns  
Average Annual Total Returns as of 05/31/2017    (shown in percentages)  

 Variable annuities are long-term investment vehicles designed for retirement purposes which allow you to allocate contributions among variable investment options that have the potential to grow tax-deferred, or in the case of Roth contributions, tax free, with an option to receive a stream of income at a later date.  Early withdrawals may be subject to surrender charges, and if taken prior to age 59 1/2, a 10% IRS penalty may apply. Taxes are due upon withdrawal of tax-deferred assets; withdrawals will also reduce the applicable death benefit and cash surrender value/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 800-232-5422.  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.  

 These numbers reflect total Separate Account charges of 0.75% on an annual basis.  They also assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses.     

 Depending upon the type of contract in which you participate, you have either received prospectuses and/or prospectus summaries for the separate account and the funds.  You should consider the investment objectives, risks and charges, and expenses of the variable product and its underlying fund options carefully before investing.  The prospectus contains this and other information.  Anyone who wishes to obtain a free copy of the separate account and/or fund prospectuses may call their Voya representative or the number above.  Please read the prospectus or prospectus summaries 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.  The fund inception date indicates the inception date of the underlying investment portfolio, which may 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 
Stability of Principal   
   Money Market 
Voya Government Money Market Portfolio - Class I - 003 -0.02-0.08-0.15-0.47-0.63-0.67-0.0901/01/1980 
The 7-day annualized Subaccount yield as of 05/31/2017 is -0.16%, which more closely reflects current earnings.  (11) 
   Stability of Principal 
Voya Fixed Plus Account - 019 (1)(10)0.250.751.233.003.003.003.12 
This fund is not part of the product's separate account.   
Bonds   
   High Yield Bond 
Pioneer High Yield VCT Portfolio - Class I - 834 0.731.364.1912.572.586.475.1405/01/2000 
Voya High Yield Portfolio - Service Class - 787 0.721.473.7211.013.655.646.0605/03/2004 
VY® Pioneer High Yield Portfolio - Initial Class - 1220 0.601.494.1911.922.376.446.6901/03/2006 
   Inflation-Protected Bond 
American Century Inflation-Adjusted Bond Fund - Inv Class - 1001 -0.150.241.411.68-0.12-0.903.2102/10/1997 
PIMCO VIT Real Return Portfolio - Administrative Class - 833 -0.100.451.902.75-0.19-0.593.6809/30/1999 
   Intermediate-Term Bond 
American Funds The Bond Fund of AmericaSM - Class R-4 - 1003 (4)0.621.312.261.431.571.572.3005/28/1974 
Metropolitan West Total Return Bond Fund - Class M Shares - 7576 0.571.081.820.921.362.604.9803/31/1997 
TCW Total Return Bond Fund - Class N - 1041 0.711.452.010.481.322.945.4303/01/1999 
Voya Intermediate Bond Portfolio - Class I - 004 0.831.692.883.272.573.293.9805/23/1973 
Voya U.S. Bond Index Portfolio - Class I - 1554 0.601.151.880.431.461.112.9303/04/2008 
   Short-Term Bond 
Lord Abbett Short Duration Income Fund - Class R4 - 7394 0.230.501.242.371.161.863.6411/04/1993 
   World Bond 
Templeton Global Bond Fund - Class A - 178 -1.430.052.269.350.273.625.4109/18/1986 
Voya Global Bond Portfolio - Initial Class - 422 1.722.875.123.640.171.172.8511/08/2004 
Asset Allocation   
   Lifecycle 
Voya Solution 2025 Portfolio - Service Class - 759 (2)1.242.926.8710.334.237.922.8004/29/2005 
Voya Solution 2035 Portfolio - Service Class - 762 (2)1.393.678.4913.174.819.313.0704/29/2005 
Voya Solution 2045 Portfolio - Service Class - 765 (2)1.483.869.1314.395.0410.153.0504/29/2005 
Voya Solution 2055 Portfolio - Service Class - 1167 (2)1.503.879.1914.545.1410.258.3303/08/2010 
Voya Solution Income Portfolio - Service Class - 768 (2)0.961.794.375.872.894.763.2404/29/2005 
   Lifestyle 
Voya Solution Balanced Portfolio - Service Class - 1602 (2)1.072.536.4210.344.277.843.3507/02/2007 
Voya Solution Moderately Conservative Pt - Service Cl - 1601 (2)0.751.764.557.443.255.713.3007/02/2007 
Voya Strategic Allocation Conservative Portfolio - Class I - 033 0.801.774.647.713.426.783.5707/05/1995 
Voya Strategic Allocation Growth Portfolio - Class I - 031 1.293.137.8412.834.679.953.1107/05/1995 
Voya Strategic Allocation Moderate Portfolio - Class I - 032 1.082.366.2710.504.298.373.2707/05/1995 
Balanced   
   Allocation--50% to 70% Equity 
Calvert VP SRI Balanced Portfolio - 101 1.341.694.888.654.317.673.8309/02/1986 
Pax Balanced Fund - Individual Investor Class - 193 1.172.195.498.404.377.963.0908/10/1971 
Voya Balanced Portfolio - Class I - 008 1.322.836.6911.614.258.393.5504/03/1989 
VY® Invesco Equity and Income Portfolio - Initial Class - 452 -0.33-0.642.2413.895.9110.645.2112/10/2001 
VY® T. Rowe Price Capital Appreciation Portfolio - Service - 788 1.553.638.2110.658.5912.177.0101/24/1989 
Large Cap Value   
   Large Blend 
Amana Income Fund - Investor Class - 1595 1.382.388.1611.835.5711.316.1906/23/1986 
American Funds Fundamental InvestorsSM - Class R-4 - 1208 2.093.959.8418.809.7014.876.1508/01/1978 
Ave Maria Rising Dividend Fund - 6620 -0.41-1.093.6110.695.3511.976.5705/02/2005 
Invesco V.I. Core Equity Fund - Series I Shares - 079 1.332.196.2911.013.5210.564.7405/02/1994 
Voya Corporate Leaders 100 Fund - Class I - 3436 0.380.365.9014.497.4513.908.9706/30/2008 
Voya Growth and Income Portfolio - Class I - 001 2.273.8710.1116.947.4612.935.4212/31/1979 
Voya Index Plus LargeCap Portfolio - Class I - 035 1.202.538.9716.858.8314.245.2209/16/1996 
Voya Multi-Manager Large Cap Core Port - Institutional Class - 772 1.372.348.3214.058.3413.354.6904/29/2005 
Voya Russell™ Large Cap Index Portfolio - Class I - 1557 1.332.528.6916.879.2314.258.1503/04/2008 
VY® Columbia Contrarian Core Portfolio - Service Class - 264 1.193.379.3214.359.2314.284.7912/10/2001 
   Large Value 
American Funds Washington Mutual Investors FundSM - R-4 - 819 (5)1.451.856.4415.667.7813.365.4007/31/1952 
Columbia Diversified Equity Income Fund - Class K Shares - 1377 0.360.234.3815.387.1112.864.0010/15/1990 
Fidelity VIP Equity-Income Portfolio - Initial Class - 108 -0.42-0.812.7714.785.8212.223.5510/09/1986 
Voya Large Cap Value Pt Inst/Pioneer EqtyInc VCT - I ++ (3)0.57-0.114.6715.985.8712.174.4703/01/1995 
Voya Large Cap Value Portfolio - Institutional Class - 1213 0.57-0.114.6715.995.8712.174.5405/11/2007 
Voya Russell™ Large Cap Value Index Portfolio - Class S - 2711 -0.11-1.802.1712.886.0912.7212.4805/01/2009 
VY® Invesco Comstock Portfolio - Service Class - 437 -0.91-2.510.7716.274.6812.734.1805/01/2002 
VY® Invesco Growth and Income Portfolio - Service Class - 789 -0.75-1.511.7218.307.2013.364.8710/04/1993 
VY® T. Rowe Price Equity Income Portfolio - Service Class - 617 -0.07-0.053.3514.845.0811.684.1301/24/1989 
Large Cap Growth   
   Large Growth 
Alger Responsible Investing Fund - Class A - 1584 2.997.3215.6419.378.0212.244.8612/04/2000 
Amana Growth Fund - Investor Class - 1612 2.435.8414.1517.509.6312.006.6902/03/1994 
American Funds The Growth Fund of America - Class R-4 - 572 (6)2.024.9612.1719.739.9215.446.4412/01/1973 
Fidelity VIP Contrafund Portfolio - Initial Class - 133 1.773.5810.7917.328.4213.646.3001/03/1995 
Fidelity VIP Growth Portfolio - Initial Class - 109 3.899.4020.0922.2710.7915.057.2910/09/1986 
Invesco V.I. American Franchise Fund - Series I Shares - 3384 3.087.3817.4622.079.7914.717.5507/03/1995 
Neuberger Berman Socially Responsive Fund - Trust Class - 1120 2.622.899.4616.648.1814.065.6603/16/1994 
Voya Large Cap Growth Portfolio - Institutional Class - 742 3.117.5115.5619.1210.9614.8010.0005/03/2004 
Voya Russell™ Large Cap Growth Index Portfolio - Class I - 2713 2.546.3514.7520.0311.7615.1515.5005/01/2009 
VY® T. Rowe Price Growth Equity Portfolio - Initial Class - 111 3.389.1818.9324.7112.4015.987.9411/28/1997 
Small/Mid/Specialty   
   Mid-Cap Blend 
Ariel Fund - Investor Class - 187 -2.16-0.784.1417.918.0415.995.5011/06/1986 
Invesco Mid Cap Core Equity Fund - Class A - 290 1.293.677.1614.214.2110.134.4906/09/1987 
Lord Abbett Series Fund Mid Cap Stock Portfolio - Cl VC - 075 -0.22-0.233.0112.426.2212.813.9409/15/1999 
Voya Index Plus MidCap Portfolio - Class I - 053 -1.29-0.803.2014.657.8513.665.8712/16/1997 
Voya Russell™ Mid Cap Index Portfolio - Class I - 1560 0.771.226.4114.557.2713.829.1703/04/2008 
VY® JPMorgan Mid Cap Value Portfolio - Service Class - 435 0.42-0.044.4712.857.5813.666.7805/01/2002 
   Mid-Cap Growth 
Voya MidCap Opportunities Portfolio - Class I - 081 2.355.0812.9515.879.2112.558.7605/05/2000 
Voya Russell™ Mid Cap Growth Index Portfolio - Class S - 2718 2.234.0710.3415.087.3413.0014.9705/01/2009 
VY® Baron Growth Portfolio - Service Class - 436 1.808.8617.0718.777.4013.376.6205/01/2002 
VY® FMR® Diversified Mid Cap Portfolio - Service Class - 778 -0.250.615.9113.716.1012.345.9010/02/2000 
VY® T. Rowe Price Diversified Mid Cap Growth Port - Initial - 449 2.114.6611.6216.739.8214.267.5512/10/2001 
Wanger Select - 820 0.372.447.8818.577.8312.384.4402/01/1999 
   Mid-Cap Value 
AMG Managers Fairpointe Mid Cap Fund - Class N - 7007 -1.63-2.143.0423.395.1715.448.0809/19/1994 
BlackRock Mid Cap Dividend Fund - Inv A Shares - 7280 -2.23-4.56-0.8112.613.8211.495.2602/01/1995 
Columbia Mid Cap Value Fund - Class A Shares - 1008 0.530.253.9612.884.7812.984.5711/20/2001 
VY® American Century Small-Mid Cap Value Portfolio - Service - 440 -1.23-1.801.5115.899.5114.847.5305/01/2002 
   Small Blend 
Loomis Sayles Small Cap Value Fund - Retail Class - 1117 (7)-2.52-3.77-2.4814.916.9712.866.0705/13/1991 
Oppenheimer Main Street Small Cap Fund®/VA - 832 -2.220.013.4117.267.6614.616.1105/01/1998 
Voya Index Plus SmallCap Portfolio - Class I - 052 -3.00-2.48-0.8618.168.7614.575.3012/19/1997 
Voya Russell™ Small Cap Index Portfolio - Class I - 1563 -2.20-1.170.9618.956.9713.049.0303/04/2008 
Voya Small Company Portfolio - Class I - 042 -2.61-2.181.1018.009.6114.187.0812/27/1996 
VY® JPMorgan Small Cap Core Equity Portfolio - Service Class - 752 -1.790.262.9320.748.6114.597.0605/01/2002 
   Small Growth 
Voya SmallCap Opportunities Portfolio - Class I - 080 -0.611.106.9618.428.5613.467.7805/06/1994 
Wanger USA - 821 -0.353.097.5420.038.2312.836.1305/03/1995 
Wells Fargo Small Company Growth Fund - Administrator Class - 6071 -1.95-0.455.7716.695.1713.026.3211/11/1994 
   Small Value 
Delaware Small Cap Value Fund - Class A - 2495 -1.87-2.370.8021.287.6712.696.0606/24/1987 
Franklin Small Cap Value VIP Fund - Class 2 - 073 -2.56-1.88-1.5018.135.2913.135.2305/01/1998 
VY® Columbia Small Cap Value II Portfolio - Service Class - 1218 -2.77-3.79-1.6817.516.2813.005.5305/01/2006 
Wells Fargo Special Small Cap Value Fund - Class A - 191 -2.16-2.11-1.5816.167.8913.585.5205/07/1993 
   Specialty - Commodities 
PIMCO CommodityRealReturn Strategy Fund® - Admin Class - 1908 -1.69-5.81-5.13-1.65-16.04-9.85-5.3502/14/2003 
   Specialty - Health 
BlackRock Health Sciences Opportunities Port - Inv A Shares - 1776 0.453.4513.9110.3012.0419.0111.8912/21/1999 
   Specialty - Precious Metals 
USAA Precious Metals and Minerals Fund - Adviser Shares - 2656 -0.15-3.366.25-3.55-1.80-12.35-11.2308/02/2010 
   Specialty - Real Estate 
Cohen & Steers Realty Shares, Inc. - 1172 0.11-2.091.763.647.489.404.2007/02/1991 
VY® Clarion Global Real Estate Portfolio - Institutional - 1613 1.270.473.180.311.426.790.8001/03/2006 
VY® Clarion Real Estate Portfolio - Service Class - 1019 -0.50-3.31-0.48-0.725.347.883.3501/24/1989 
   Specialty - Technology 
Ivy Science and Technology Fund - Class Y - 1043 2.878.4916.2525.425.3814.739.7806/09/1998 
Global / International   
   Diversified Emerging Mkts 
Oppenheimer Developing Markets Fund - Class A - 190 2.749.6816.9122.09-0.704.813.6811/18/1996 
Pioneer Emerging Markets VCT Portfolio - Class I - 1331 5.0613.1522.7519.94-2.941.07-2.4110/30/1998 
VY® JPMorgan Emerging Markets Equity Portfolio - Service - 779 3.3511.4120.5428.842.084.702.0202/18/1998 
   Foreign Large Blend 
Lazard International Equity Portfolio - Open Shares - 5055 3.709.6712.356.62-0.438.231.2301/23/1997 
The Hartford International Opportunities Fund - Class R4 - 3647 3.259.1713.3115.102.258.352.4807/22/1996 
Voya International Index Portfolio - Class I - 1551 3.429.3614.0615.530.479.061.4803/04/2008 
   Foreign Large Growth 
American Funds EuroPacific Growth Fund - Class R-4 - 573 (8)3.3010.1116.1117.322.589.262.4204/16/1984 
Artisan International Fund - Investor Shares - 1252 4.3812.0717.758.87-0.537.931.6212/28/1995 
Fidelity VIP Overseas Portfolio - Initial Class - 107 4.4113.5718.8013.732.3510.010.8501/28/1987 
VY® T. Rowe Price International Stock Portfolio - Service - 770 3.7910.8617.4917.713.198.821.4505/02/2005 
   Foreign Large Value 
VY® Templeton Foreign Equity Portfolio - Initial Class - 1586 3.668.8613.2716.53-0.658.650.7501/03/2006 
   Foreign Small/Mid Blend 
Voya Multi-Manager International Small Cap Fund - Class I - 2176 3.1510.8818.2117.554.2512.151.4708/31/1995 
   Foreign Small/Mid Growth 
Wanger International - 1348 5.3512.7820.6515.882.479.453.5005/03/1995 
   World Allocation 
American Funds Capital Income Builder® - Class R-4 - 2227 2.454.297.809.203.327.753.2205/20/2002 
Voya Global Perspectives® Portfolio - Class I - 3911 1.302.976.929.102.884.1304/25/2013 
   World Stock 
American Funds New Perspective Fund - Class R-4 - 818 (9)3.428.7716.2118.627.2812.745.6003/13/1973 
American Funds SMALLCAP World Fund® - Class R-4 - 1445 1.685.9012.8818.256.7411.994.4407/24/2002 
Voya Global Equity Portfolio - Class I - 3056 2.936.5012.3817.904.539.691.9301/28/2008 
VY® Oppenheimer Global Portfolio - Initial Class - 432 2.729.2517.7523.116.1213.404.6005/01/2002 
VY® Templeton Global Growth Portfolio - Service Class - 1232 2.014.558.9520.110.6211.202.1610/21/1992 
 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. 


PERFORMANCE UPDATE  
Voya Retirement Insurance and Annuity Company  
TEXAS STATE UNIVERSITY SYSTEM  
Variable Annuity Account C, Standardized Returns  
Average Annual Total Returns as of 03/31/2017    (shown in percentages)  

 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 800-232-5422.  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.  

 These numbers reflect total Separate Account charges of 0.75% on an annual basis.  They also assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses.     

 Returns less than one year are not annualized.  VAA Inception Date is the date on which contributions were first received in this fund under the Variable Annuity Account, and is the date used in calculating the periodic returns. 


 Investment Options 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr 10-Yr Incept VAA Inception Date 

Stability of Principal   
   Money Market 
Voya Government Money Market Portfolio - Class I - 003 -0.03-0.11-0.11-0.53-0.65-0.68-0.0209/30/1975 
The 7-day annualized Subaccount yield as of 03/31/2017 is -0.42%, which more closely reflects current earnings.  (11) 
Bonds   
   High Yield Bond 
Pioneer High Yield VCT Portfolio - Class I - 834 -0.222.572.5714.872.435.545.2605/03/2004 
Voya High Yield Portfolio - Service Class - 787 -0.361.841.8412.483.345.126.0605/06/2005 
VY® Pioneer High Yield Portfolio - Initial Class - 1220 -0.062.612.6114.522.245.416.8305/02/2006 
   Inflation-Protected Bond 
American Century Inflation-Adjusted Bond Fund - Inv Class - 1001 -0.061.111.110.810.80-0.272.7905/11/2009 
PIMCO VIT Real Return Portfolio - Administrative Class - 833 0.141.581.581.970.920.163.5205/03/2004 
   Intermediate-Term Bond 
American Funds The Bond Fund of AmericaSM - Class R-4 - 1003 (4)-0.040.900.900.171.731.612.3805/14/2008 
Metropolitan West Total Return Bond Fund - Class M Shares - 7576 -0.160.570.57-0.051.57-2.7505/15/2013 
TCW Total Return Bond Fund - Class N - 1041 0.020.570.57-0.820.2905/21/2015 
Voya Intermediate Bond Portfolio - Class I - 004 -0.071.101.102.112.693.143.7505/31/1978 
Voya U.S. Bond Index Portfolio - Class I - 1554 -0.150.570.57-0.681.611.212.8405/16/2008 
   Short-Term Bond 
Lord Abbett Short Duration Income Fund - Class R4 - 7394 0.010.750.751.8205/09/2016 
   World Bond 
Templeton Global Bond Fund - Class A - 178 2.124.374.3710.211.632.856.0205/03/2004 
Voya Global Bond Portfolio - Initial Class - 422 -0.142.042.041.36-0.280.162.7703/23/2005 
Asset Allocation   
   Lifecycle 
Voya Solution 2025 Portfolio - Service Class - 759 (2)0.384.244.249.273.986.163.0605/13/2005 
Voya Solution 2035 Portfolio - Service Class - 762 (2)0.735.415.4111.754.517.073.3705/12/2005 
Voya Solution 2045 Portfolio - Service Class - 765 (2)0.825.935.9312.784.727.683.4005/20/2005 
Voya Solution 2055 Portfolio - Service Class - 1167 (2)0.785.945.9412.944.847.778.7806/18/2010 
Voya Solution Income Portfolio - Service Class - 768 (2)0.022.562.565.112.913.953.2505/25/2005 
   Lifestyle 
Voya Solution Balanced Portfolio - Service Class - 1602 (2)0.364.164.169.904.186.234.9807/28/2008 
Voya Solution Moderately Conservative Pt - Service Cl - 1601 (2)0.142.882.886.993.324.713.9806/23/2008 
Voya Strategic Allocation Conservative Portfolio - Class I - 033 0.092.922.927.293.605.703.7207/05/1995 
Voya Strategic Allocation Growth Portfolio - Class I - 031 0.635.225.2212.224.597.793.5107/05/1995 
Voya Strategic Allocation Moderate Portfolio - Class I - 032 0.304.134.1310.074.346.783.6207/05/1995 
Balanced   
   Allocation--50% to 70% Equity 
Calvert VP SRI Balanced Portfolio - 101 -0.063.073.078.584.606.584.0605/31/1989 
Pax Balanced Fund - Individual Investor Class - 193 0.113.343.347.904.396.103.5002/21/2001 
Voya Balanced Portfolio - Class I - 008 0.454.234.2311.044.156.603.8204/03/1989 
VY® Invesco Equity and Income Portfolio - Initial Class - 452 -0.712.172.1718.096.369.665.8803/22/2005 
VY® T. Rowe Price Capital Appreciation Portfolio - Service - 788 0.655.105.1010.728.4710.567.3505/05/2005 
Large Cap Value   
   Large Blend 
Amana Income Fund - Investor Class - 1595 0.476.146.1410.825.969.718.9809/29/2008 
American Funds Fundamental InvestorsSM - Class R-4 - 1208 0.686.386.3818.439.5512.396.6005/14/2008 
Ave Maria Rising Dividend Fund - 6620 -0.294.464.4615.904.7805/04/2015 
Invesco V.I. Core Equity Fund - Series I Shares - 079 0.054.064.0611.113.538.355.2205/10/1999 
Voya Corporate Leaders 100 Fund - Class I - 3436 -0.614.874.8716.456.7505/07/2015 
Voya Growth and Income Portfolio - Class I - 001 0.756.806.8017.587.2410.515.9005/01/1975 
Voya Index Plus LargeCap Portfolio - Class I - 035 0.406.706.7016.599.1612.025.8210/31/1996 
Voya Multi-Manager Large Cap Core Port - Institutional Class - 772 -0.135.715.7113.998.2410.895.2205/11/2006 
Voya Russell™ Large Cap Index Portfolio - Class I - 1557 0.046.066.0616.299.4612.137.0805/14/2008 
VY® Columbia Contrarian Core Portfolio - Service Class - 264 0.746.546.5414.349.1512.005.2705/21/2002 
   Large Value 
American Funds Washington Mutual Investors FundSM - R-4 - 819 (5)-0.384.114.1115.297.9711.706.0105/03/2004 
Columbia Diversified Equity Income Fund - Class K Shares - 1377 -0.583.543.5418.627.4311.025.1205/19/2008 
Fidelity VIP Equity-Income Portfolio - Initial Class - 108 -0.872.712.7117.926.6110.754.4205/31/1994 
Voya Large Cap Value Pt Inst/Pioneer EqtyInc VCT - I ++ (3)-0.144.644.6419.916.3410.485.1607/26/2001 
Voya Large Cap Value Portfolio - Institutional Class - 1213 -0.144.644.6419.916.3410.484.6205/31/2007 
Voya Russell™ Large Cap Value Index Portfolio - Class S - 2711 -1.262.732.7317.297.1111.1812.2607/17/2009 
VY® Invesco Comstock Portfolio - Service Class - 437 -1.561.761.7621.355.7511.045.0205/06/2002 
VY® Invesco Growth and Income Portfolio - Service Class - 789 -1.102.152.1524.477.7712.015.8805/02/2005 
VY® T. Rowe Price Equity Income Portfolio - Service Class - 617 -0.273.123.1218.485.7310.074.9205/12/2003 
Large Cap Growth   
   Large Growth 
Alger Responsible Investing Fund - Class A - 1584 1.699.579.5712.605.949.4311.6205/12/2009 
Amana Growth Fund - Investor Class - 1612 1.209.149.1415.288.129.479.5409/29/2008 
American Funds The Growth Fund of America - Class R-4 - 572 (6)0.947.887.8819.399.3312.846.8105/03/2004 
Fidelity VIP Contrafund Portfolio - Initial Class - 133 0.437.427.4216.897.9111.096.7305/31/1995 
Fidelity VIP Growth Portfolio - Initial Class - 109 1.8711.8111.8117.078.1611.737.5005/31/1994 
Invesco V.I. American Franchise Fund - Series I Shares - 3384 1.6711.2111.2119.138.5311.4904/27/2012 
Neuberger Berman Socially Responsive Fund - Trust Class - 1120 0.036.426.4215.687.7211.366.2405/04/2006 
Voya Large Cap Growth Portfolio - Institutional Class - 742 1.549.149.1414.2010.4211.8813.9106/18/2010 
Voya Russell™ Large Cap Growth Index Portfolio - Class I - 2713 1.239.239.2314.9511.3212.5114.3207/17/2009 
VY® T. Rowe Price Growth Equity Portfolio - Initial Class - 111 1.8410.9410.9418.2910.4012.728.0911/28/1997 
Small/Mid/Specialty   
   Mid-Cap Blend 
Ariel Fund - Investor Class - 187 1.346.366.3622.628.9713.916.5705/14/2004 
Invesco Mid Cap Core Equity Fund - Class A - 290 0.974.374.3713.553.737.614.9707/14/2004 
Lord Abbett Series Fund Mid Cap Stock Portfolio - Cl VC - 075 -0.942.282.2816.286.6510.534.6107/26/2001 
Voya Index Plus MidCap Portfolio - Class I - 053 -0.633.373.3718.487.8911.986.7505/04/1998 
Voya Russell™ Mid Cap Index Portfolio - Class I - 1560 -0.254.864.8615.757.2411.847.5305/15/2008 
VY® JPMorgan Mid Cap Value Portfolio - Service Class - 435 -0.703.793.7913.858.0112.737.3505/03/2002 
   Mid-Cap Growth 
Voya MidCap Opportunities Portfolio - Class I - 081 0.998.558.5514.827.8010.079.4708/02/2001 
Voya Russell™ Mid Cap Growth Index Portfolio - Class S - 2718 0.406.456.4512.526.4110.4513.1308/07/2009 
VY® Baron Growth Portfolio - Service Class - 436 2.7310.4810.4815.134.2410.996.5505/01/2002 
VY® FMR® Diversified Mid Cap Portfolio - Service Class - 778 -0.065.205.2017.385.8110.196.7205/04/2005 
VY® T. Rowe Price Diversified Mid Cap Growth Port - Initial - 449 0.597.287.2814.808.0011.548.0612/26/2002 
Wanger Select - 820 0.786.146.1419.306.9110.165.2305/03/2004 
   Mid-Cap Value 
AMG Managers Fairpointe Mid Cap Fund - Class N - 7007 0.595.915.9126.106.4813.1713.6605/24/2010 
BlackRock Mid Cap Dividend Fund - Inv A Shares - 7280 -1.702.162.1619.935.3810.0914.0305/18/2009 
Columbia Mid Cap Value Fund - Class A Shares - 1008 -0.413.273.2715.915.2611.216.3605/13/2008 
VY® American Century Small-Mid Cap Value Portfolio - Service - 440 -0.143.233.2322.9710.3813.588.3605/02/2002 
   Small Blend 
Loomis Sayles Small Cap Value Fund - Retail Class - 1117 (7)-1.200.130.1322.057.5111.608.6505/13/2008 
Oppenheimer Main Street Small Cap Fund®/VA - 832 0.383.793.7922.026.6712.626.9009/22/2004 
Voya Index Plus SmallCap Portfolio - Class I - 052 -0.251.411.4123.568.6213.046.1505/04/1998 
Voya Russell™ Small Cap Index Portfolio - Class I - 1563 0.072.222.2224.866.2811.417.8305/15/2008 
Voya Small Company Portfolio - Class I - 042 -0.333.023.0226.189.4112.867.9805/30/1997 
VY® JPMorgan Small Cap Core Equity Portfolio - Service Class - 752 0.242.912.9124.367.9612.877.7106/03/2005 
   Small Growth 
Voya SmallCap Opportunities Portfolio - Class I - 080 0.346.166.1623.037.0711.548.4908/03/2001 
Wanger USA - 821 0.775.125.1225.526.5210.466.7605/03/2004 
Wells Fargo Small Company Growth Fund - Administrator Class - 6071 0.616.896.8925.1405/17/2016 
   Small Value 
Delaware Small Cap Value Fund - Class A - 2495 -0.972.252.2528.767.9410.8805/10/2013 
Franklin Small Cap Value VIP Fund - Class 2 - 073 -1.04-0.65-0.6522.325.1211.076.1108/31/2001 
VY® Columbia Small Cap Value II Portfolio - Service Class - 1218 -1.660.500.5022.786.4411.756.4205/08/2006 
Wells Fargo Special Small Cap Value Fund - Class A - 191 -0.510.020.0222.767.6112.216.3301/16/2001 
   Specialty - Commodities 
PIMCO CommodityRealReturn Strategy Fund® - Admin Class - 1908 -2.57-1.87-1.879.66-15.1408/14/2014 
   Specialty - Health 
BlackRock Health Sciences Opportunities Port - Inv A Shares - 1776 0.0810.2010.2014.071.6205/04/2015 
   Specialty - Precious Metals 
USAA Precious Metals and Minerals Fund - Adviser Shares - 2656 0.3910.3710.3714.33-2.39-14.46-14.5305/11/2011 
   Specialty - Real Estate 
Cohen & Steers Realty Shares, Inc. - 1172 -2.541.291.292.549.308.808.3605/13/2011 
VY® Clarion Global Real Estate Portfolio - Institutional - 1613 -1.641.011.01-2.962.905.274.3309/05/2008 
VY® Clarion Real Estate Portfolio - Service Class - 1019 -2.480.390.39-0.987.587.583.5505/04/2006 
   Specialty - Technology 
Ivy Science and Technology Fund - Class Y - 1043 3.0910.4610.4621.353.5708/15/2014 
Global / International   
   Diversified Emerging Mkts 
Oppenheimer Developing Markets Fund - Class A - 190 3.9210.7710.7714.32-1.141.284.3002/21/2001 
Pioneer Emerging Markets VCT Portfolio - Class I - 1331 1.7110.3410.3411.11-4.35-3.75-3.2305/07/2007 
VY® JPMorgan Emerging Markets Equity Portfolio - Service - 779 3.9912.5112.5119.111.040.422.3005/09/2005 
   Foreign Large Blend 
Lazard International Equity Portfolio - Open Shares - 5055 2.735.245.24-0.8905/25/2016 
The Hartford International Opportunities Fund - Class R4 - 3647 3.387.317.3113.4606/16/2016 
Voya International Index Portfolio - Class I - 1551 3.097.527.5211.01-0.504.78-0.1305/13/2008 
   Foreign Large Growth 
American Funds EuroPacific Growth Fund - Class R-4 - 573 (8)3.429.069.0611.861.065.472.4505/03/2004 
Artisan International Fund - Investor Shares - 1252 3.538.788.781.39-2.264.180.6105/12/2008 
Fidelity VIP Overseas Portfolio - Initial Class - 107 3.538.308.306.31-0.365.300.7105/31/1994 
VY® T. Rowe Price International Stock Portfolio - Service - 770 3.629.829.8211.892.204.701.3905/06/2005 
   Foreign Large Value 
VY® Templeton Foreign Equity Portfolio - Initial Class - 1586 3.257.437.4312.32-1.594.350.4604/25/2008 
   Foreign Small/Mid Blend 
Voya Multi-Manager International Small Cap Fund - Class I - 2176 3.3610.1910.198.0906/06/2016 
   Foreign Small/Mid Growth 
Wanger International - 1348 2.669.829.826.610.095.242.6905/09/2007 
   World Allocation 
American Funds Capital Income Builder® - Class R-4 - 2227 1.064.464.466.861.2405/21/2015 
Voya Global Perspectives® Portfolio - Class I - 3911 0.494.354.357.692.4405/12/2014 
   World Stock 
American Funds New Perspective Fund - Class R-4 - 818 (9)2.299.299.2913.505.729.455.7305/03/2004 
American Funds SMALLCAP World Fund® - Class R-4 - 1445 1.548.248.2417.195.009.285.2305/15/2008 
Voya Global Equity Portfolio - Class I - 3056 1.997.627.6214.723.0303/06/2015 
VY® Oppenheimer Global Portfolio - Initial Class - 432 2.2310.1810.1817.454.579.044.6903/22/2005 
VY® Templeton Global Growth Portfolio - Service Class - 1232 1.685.965.9618.330.217.622.5005/03/2006 
 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. 

ADDITIONAL NOTES 
 Not all investment options are available under all contracts, plans or jurisdictions. 

(1) The current rate for the Voya Fixed Plus Account MC 901, Fund 019 is 3.00%, 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 3.00%. Any rate change initiated solely by VRIAC will be guaranteed to remain in effect until the last day of the three-month period measured from the first day of the month in which such change was made. Note: The current rate for a plan's initial investment in the fixed account previously identified may be in effect for less than a full three-month period. 


(2) There is no guarantee that any investment option will achieve its stated objective. Principal value fluctuates and there is no guarantee of value at any time, including the target date. The "target date" is the approximate date when you plan to start withdrawing your money. When your target date is reached, you may have more or less than the original amount invested. For each target date Portfolio, until the day prior to its Target Date, the Portfolio will seek to provide total returns consistent with an asset allocation targeted for an investor who is retiring in approximately each Portfolio's designation Target Year. Prior to choosing a Target Date Portfolio, investors are strongly encouraged to review and understand the Portfolio's objectives and its composition of stocks and bonds, and how the asset allocation will change over time as the target date nears. No two investors are alike and one should not assume that just because they intend to retire in the year corresponding to the Target Date that that specific Portfolio is appropriate and suitable to their risk tolerance. It is recommended that an investor consider carefully the possibility of capital loss in each of the target date Portfolios, the likelihood and magnitude of which will be dependent upon the Portfolio's asset allocation. On the Target Date, the portfolio will seek to provide a combination of total return and stability of principal.

Stocks are more volatile than bonds, and portfolios with a higher concentration of stocks are more likely to experience greater fluctuations in value than portfolios with a higher concentration in bonds. Foreign stocks and small and midcap stocks may be more volatile than large cap stocks. Investing in bonds also entails credit risk and interest rate risk. Generally investors with longer timeframes can consider assuming more risk in their investment portfolio.

The Voya Solution PortfoliosSM are actively managed and the asset allocation adjusted over time.  The portfolios may merge with or change to other portfolios over time. Refer to the prospectus for more information about the specific risks of investing in the various asset classes included in the Voya Solution Portfolios.
 
(3) The performance shown is based on the performance of the replaced fund until July 27, 2007, and the performance of the applicable Voya Portfolio after that date.  The replaced fund may not have been available under all contracts. 
(4) The Bond Fund of AmericaSM - Class R-4 commenced operations on May 15, 2002.  The fund has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class A of this fund.  The performance information for the Bond Fund of AmericaSM - Class R-4 prior to May 15, 2002 is based upon the Class A performance, adjusted by fees associated with Class R-4. 
(5) The Washington Mutual Investors FundSM - Class R-4 commenced operations on May 20, 2002.  The fund has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class A of this fund.  The performance information for the Washington Mutual Investors FundSM - Class R-4 prior to May 20, 2002 is based upon the Class A performance, adjusted by fees associated with Class R-4. 
(6) The Growth Fund of America - Class R-4 commenced operations on May 15, 2002. Class R-4 has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class A.  The performance information above prior to May 15, 2002 is based upon the Class A performance adjusted by the fee differences between classes. 
(7) The Loomis Sayles Small Cap Value - Retail Class commenced operations on December 31, 1996.  Performance shown for periods prior to the inception date of the Retail Class represents the performance of the Institutional Class of shares during the periods shown, adjusted to reflect the current levels of management and 12b-1 fees payable by the respective Classes. 
(8) EuroPacific Growth Fund - Class R-4 commenced operations on May 15, 2002. Class R-4 has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class A.  The performance information above prior to May 15, 2002 is based upon the Class A performance adjusted by the fee differences between classes. 
(9) The New Perspective Fund - Class R-4 commenced operations on May 28, 2002.  The fund has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class A of this fund.  The performance information for the New Perspective Fund - Class R-4 prior to May 28, 2002 is based upon the Class A performance, adjusted by fees associated with Class R-4. 
(10) The Investment Option is not part of the Separate Account.  The returns listed do not include the impact of contract charges.  Please refer to the contract to determine which Fixed Interest Options are available for your specific plan. 

 The CURRENT rate for the Voya Short Term Guaranteed Accumulation Account is 1.00%, expressed as an annual effective yield, and is guaranteed between 07/01/2017 and 07/31/2020. 
 The CURRENT rate for the Voya Long Term Guaranteed Accumulation Account is 1.00%, expressed as an annual effective yield, and is guaranteed between 07/01/2017 and 09/30/2022. 
 Deposits received from 07/01/2017 through 07/31/2017 will receive this rate of interest.  The annual rate of interest applied to your account may be higher or lower than the current rate.  For more information regarding the GAA rates and terms, call 1-800-GAA-FUND.  

(11) The current yield reflects the deduction of all charges that are deducted from the total return quotations shown.   
 Insurance products, annuities and funding agreements issued by Voya Retirement Insurance and Annuity Company, One Orange Way Windsor, CT 06095, (VRIAC), which is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services, LLC. All companies are members of the Voya family of companies. Securities are distributed by or offered through Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. 




Creation Date: Wednesday, June 28, 2017

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.