Voya Retirement Conservative Portfolio | Voya Investment Management

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.

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Product Facts

Ticker SymbolIRCPX
CUSIP92914C857
Inception DateOctober 31, 2007
Dividends PaidAnnually

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.

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.

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.

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 July 31, 2025

As of June 30, 2025

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+5.03+6.35+4.87+2.84+4.120.62%0.62%
With Sales Charge+5.03+6.35+4.87+2.84+4.12
Net Asset Value+4.73+8.15+6.07+3.32+4.190.62%0.62%
With Sales Charge+4.73+8.15+6.07+3.32+4.19
S&P Target Risk Conservative Index+6.17+7.39+6.16+3.65+4.56
S&P Target Risk Conservative Index+5.93+9.50+7.44+4.13+4.60

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.

Growth of a $10,000 Investment

For the period 08/31/2015 through 07/31/2025

Ending Value: $14,977.00

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.

Average Annual Total Returns %

As of July 31, 2025

As of June 30, 2025

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+5.03+6.35+4.87+2.84+4.120.62%0.62%
With Sales Charge+5.03+6.35+4.87+2.84+4.12
Net Asset Value+4.73+8.15+6.07+3.32+4.190.62%0.62%
With Sales Charge+4.73+8.15+6.07+3.32+4.19
S&P Target Risk Conservative Index+6.17+7.39+6.16+3.65+4.56
S&P Target Risk Conservative Index+5.93+9.50+7.44+4.13+4.60

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.

Growth of a $10,000 Investment

For the period 08/31/2015 through 07/31/2025

Ending Value: $14,977.00

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 July 31, 2025

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.

$248.9
Number of Holdings
Number of Holdings

Number of Holdings in the investment.

10
Total

Top Holdings

As of July 31, 2025

Voya US Bond Index Port I47.18
Voya US Stock Index Port I17.88
Voya Short Duration Bond R614.01
Vanguard Short-Term Bond ETF5.01
Voya High Yield Bond R64.00
Schwab US TIPS ETF3.01
Voya International Index Port I2.94
Vanguard Long-Term Treasury ETF2.03
Voya Russell Mid Cap Index I1.98
Vanguard FTSE Emerging Markets ETF1.98
Total#,###.2

Portfolio Composition

As of July 31, 2025

US Mid Cap Blend1.98
Emerging Markets1.98
International2.94
Long Govt Bonds2.03
TIPS3.01
High Yield4.00
US Large Blend17.88
Short Duration19.02
Core Fixed Income47.18
Total#,###.2

Portfolio Statistics

As of July 31, 2025

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.

$248.9
Number of Holdings
Number of Holdings

Number of Holdings in the investment.

10
Total

Top Holdings

As of July 31, 2025

Voya US Bond Index Port I47.18
Voya US Stock Index Port I17.88
Voya Short Duration Bond R614.01
Vanguard Short-Term Bond ETF5.01
Voya High Yield Bond R64.00
Schwab US TIPS ETF3.01
Voya International Index Port I2.94
Vanguard Long-Term Treasury ETF2.03
Voya Russell Mid Cap Index I1.98
Vanguard FTSE Emerging Markets ETF1.98
Total#,###.2

Portfolio Composition

As of July 31, 2025

US Mid Cap Blend1.98
Emerging Markets1.98
International2.94
Long Govt Bonds2.03
TIPS3.01
High Yield4.00
US Large Blend17.88
Short Duration19.02
Core Fixed Income47.18
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

DistributionsEx-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
Long-Term Capital Gain07/15/202507/15/202507/14/2025$0.161500
Income Dividend07/15/202507/15/202507/14/2025$0.303700
Short-Term Capital Gain07/15/202507/15/202507/14/2025$0.005100
Totals: $0.470300

Investment Team

Principal Risks

All investing involves risks of fluctuating prices and the uncertainties of rates of return and yield inherent in investing. You could lose money on your investment and any of the following risks, among others, could affect investment performance. The following principal risks are presented in alphabetical order which does not imply order of importance or likelihood: Affiliated Underlying Funds; Asset Allocation; China Investing Risks – Investing through Stock Connect; Company; Credit; Credit Default Swaps; Currency; Deflation; Derivative Instruments; Foreign (Non-U.S.) Investments/ Developing and Emerging Markets; Index Strategy (Funds-of-Funds); Inflation-Indexed Bonds; Interest Rate; Investment Model; Liquidity; Market; Market Capitalization; Market Disruption and Geopolitical; Prepayment and Extension; U.S. Government Securities and Obligations; Underlying Funds. 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. Investors should consult the Portfolio’s Prospectus and Statement of Additional Information for a more detailed discussion of the Portfolio’s risks.

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.

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.

The fund discussed may be available to you as part of your employer sponsored retirement plan. There may be additional plan level fees resulting in personal performance that varies from stated performance. Please call your benefits office for more information.

Variable annuities and group annuities are long-term investments designed for retirement purposes. If withdrawals are taken prior to age 59½, an IRS 10% premature distribution penalty tax may apply. Money taken from the annuity will be taxed as ordinary income in the year the money is distributed. An annuity does not provide any additional tax deferral benefit, as tax deferral is provided by the plan. Annuities may be subject to additional fees and expenses to which other tax-qualified funding vehicles may not be subject. However, an annuity does provide other features and benefits, such as lifetime income payments and death benefits, which may be valuable to you. All guarantees are based on the financial strength and claims paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies. Insurance products, annuities and funding agreements issued by Voya Retirement Insurance and Annuity Company (“VRIAC”), One Orange Way, Windsor, CT 06095, which is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services, LLC (“VIPS”). Securities distributed by or offered through Voya Financial Partners, LLC (“VFP”) (member SIPC) or other broker-dealers with which it has a selling agreement. Only Voya Retirement Insurance and Annuity Company is admitted and can issue products in the state of New York.

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