Voya Retirement Conservative Portfolio | Voya Investment Management

Voya Retirement Conservative Portfolio - Class I

Class ADV: IRCAX
Class I: IRCPX
For more information call 1 (800) 334-3444
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Voya Retirement Conservative Portfolio

The Portfolio seeks a high level of total return (consisting of capital appreciation and income) consistent with a conservative level of risk relative to the other Voya Retirement Portfolios.

Daily Prices

as of April 23, 2024

Net Asset Value (NAV)$7.95
% Change+0.38
$ Change+0.03
YTD Return-0.38%

Product Facts

Ticker SymbolIRCPX
CUSIP92914C857
Inception DateOctober 31, 2007
Dividends PaidAnnually

About this Product

The Voya Retirement Portfolios are a suite of four passively managed risk-based asset allocation portfolios designed for investors saving for retirement. The portfolios invest in a combination of underlying funds which are passively managed funds (index funds) that invest in U.S. stocks, international stocks, U.S. bonds and other fixed-income investments. It is important for investors to regularly assess their risk profile to ensure that they are invested in a diversified portfolio that appropriately meets their needs over time, as they approach retirement.

Investment Objective

The Portfolio seeks a high level of total return (consisting of capital appreciation and income) consistent with a conservative level of risk relative to the other Voya Retirement Portfolios.

Performance

Average Annual Total Returns %

As of March 31, 2024

As of March 31, 2024

Most Recent Month EndMost Recent Quarter EndMost Recent Month EndMost Recent Quarter End
Most Recent Month EndYTD1 YR3 YR5 YR10 YRExpense Ratios
GrossNet
Net Asset Value+1.63+6.91+0.35+3.63+3.750.62%0.62%
With Sales Charge+1.63+6.91+0.35+3.63+3.75
Net Asset Value+1.63+6.91+0.35+3.63+3.750.62%0.62%
With Sales Charge+1.63+6.91+0.35+3.63+3.75
S&P Target Risk Conservative Index+2.24+8.64+0.84+3.88+3.86
S&P Target Risk Conservative Index+2.24+8.64+0.84+3.88+3.86

Inception Date - Class I:October 31, 2007

Current Maximum Sales Charge: 0.00%

The performance quoted represents past performance and does not guarantee future results. Current performance may be lower or higher than the performance information shown. The investment return and principal value of an investment in the Portfolio will fluctuate, so that your shares, when redeemed, may be worth more or less than their original cost. See above "Average Annual Total Returns %" for performance information current to the most recent month-end.

Returns-Based Characteristics

As of March 31, 2024

3 Year5 Year10 Year
Alpha
Alpha:

A measure of risk-adjusted performance; alpha reflects the difference between a portfolio's actual return and the return that could be expected give its risk as measured by beta.

-0.79-0.100.10
Beta
Beta:

The sensitivity of a portfolio's returns to changes in the return of the market as measured by the index or benchmark that represents the market. A portfolio with a beta of 1.0 behaves exactly like the index. A beta less than 1.0 suggests lower risk than the index, while a beta greater than 1.0 indicates a risk level higher than the index.

0.880.890.91
Information Ratio
Information Ratio:

The ratio of portfolio returns in excess of a market index to the variability of those excess returns; in effect, information ratio describes the value added by active management in relation to the risk taken to achieve those returns.

-0.33-0.19-0.09
R2
R2:

The proportion of the variation in a portfolio's returns that can be explained by the variability of the returns of an index. High R-squared (close to 1.0) is usually consistent with broad diversification.

0.990.980.97
Sharpe Ratio
Sharpe Ratio:

A risk-adjusted measure calculated using standard deviation and excess return to determine reward per unit of risk. The higher the Sharpe ratio, the better the portfolio's historical risk-adjusted performance.

-0.310.190.37
Standard Deviation
Standard Deviation:

A measure of the degree to which an individual probability value varies from the distribution mean. The higher the number, the greater the risk.

8.337.646.07

Growth of a $10,000 Investment

For the period 04/30/2014 through 03/31/2024

Ending Value: $14,454.00

The performance quoted in the "Growth of a $10,000 Investment" chart represents past performance. Performance shown is without sales charges; had sales charges been deducted, performance would have been less. Ending value includes reinvestment of distributions.

Portfolio

Portfolio Statistics

As of March 31, 2024

Net Assets millions
Net Assets:

The per-share dollar amount of the fund, calculated by dividing the total value of all the securities in its portfolio, less any liabilities, by the number of fund shares outstanding.

$288.9
Number of Holdings
Number of Holdings:

Number of Holdings in the investment.

8
Total

Top Holdings

% of Total Investments as of March 28, 2024

Voya US Bond Index Port I53.57
Voya US Stock Index Port I17.39
Voya Short Term Bond R613.85
Voya High Yield Bond R63.99
Voya International Index Port I3.06
Schwab US TIPS ETF3.05
Vanguard Short-Term Bond ETF3.03
Voya Russell Large Cap Value Index I2.07
Total#,###.2

Portfolio Composition

as of March 31, 2024

TIPS3.05
US Large Value2.07
International3.06
High Yield3.99
Short Duration16.87
US Large Blend17.39
Core Fixed Income53.57
Total#,###.2

Information provided is not a recommendation to buy or sell any security. Portfolio data is subject to daily change.

Distributions

Payment Frequency: Annually

Ex-Date
Ex-Date:

Date on which a stock begins trading without the benefit of the dividend. Typically, a stock’s price moves up by the dollar amount of the dividend as the ex-dividend date approaches, then falls by the amount of the dividend after that date.

Payable Date
Payable Date:

Date on which a declared stock dividend or a bond interest payment is scheduled to be paid.

Record Date
Record Date:

Date on which a shareholder must officially own shares in order to be entitled to a dividend. After the date of record, the stock is said to be ex-dividend.

Amount
Income Dividend07/13/202307/14/202307/12/2023$0.173600
Long-Term Capital Gain07/13/202307/14/202307/12/2023$0.146600
Totals: $0.320200

Investment Team

Disclosures

Principal Risks

As with any portfolio, you could lose money on your investment in the Voya Retirement Portfolios. Although asset allocation seeks to optimize returns given various levels of risk tolerance, you still may lose money and experience volatility. Market and asset class performance may differ in the future from historical performance and the assumptions used to form the asset allocations for the Voya Retirement Portfolios. There is a risk that you could achieve better returns in an underlying portfolio or other portfolios representing a single asset class than in the Voya Retirement Portfolios. Please keep in mind, using asset allocation as part of your investment strategy neither assures nor guarantees better performance and cannot protect against loss in declining markets.

The share price of the Portfolios normally changes daily based on changes in the value of the securities that the Portfolios hold. The investment strategies used may not produce the intended results. The principal risks of investing in the Portfolios and the circumstances reasonably likely to cause the value of your investment in the Portfolios to decline include: asset allocation risk, credit risk, debt securities risk, equity securities risk, foreign investment risk, growth investing risk, inflation-indexed bonds risk, interest rate risk, market and company risk, real estate risk, REITs risk, U.S. Government securities and obligations risk, derivatives risk and value investing risk. If you would like additional information regarding the risks of the Portfolios' underlying funds, please see "Description of the Investment Objectives, Main Investments and Risks of the Underlying Funds" and the "More Information on Risks" sections of the Prospectus.

The Voya Retirement Portfolios may only be offered to variable annuity and variable life insurance separate accounts, ("Variable Contracts"), qualified pension and retirement plans which includes plans qualified under Sections 401 of the Internal Revenue Code ("IRC") as well as 403(b) annuity plans, 403(b)(7) custodial accounts, 408(a) individual retirement accounts, eligible governmental and deferred compensation plans under Sections 414(d) or 457(b) or plans described in 501(c)18 of the IRC, certain investment advisers and their affiliates in connection with the creation or management of the Solution Portfolios and certain other management investment companies.

An investment in the Portfolio is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation, the Federal Reserve Board or any other government agency.

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