Investment Performance

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PERFORMANCE UPDATE  
Voya Retirement Insurance and Annuity Company  
STATE OF FLORIDA  
Separate Account D  
Average Annual Total Returns as of 11/30/2020    (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 800-282-6295.  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, ranging from 0.00% to 0.25% 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.      See "Additional Notes" section for charges by investment option. 

 Depending upon the type of contract in which you participate, you have either received disclosure booklets for the separate account and/or fund prospectuses.  You should consider the investment objectives, risks and charges, and expenses of the variable product and its underlying fund options carefully before investing.  The disclosure booklet contains this and other information.  Anyone who wishes to obtain a free copy of the separate account disclosure booklet and/or fund prospectuses may call their Voya representative or the number above.  Please read the separate account disclosure booklet and/or the fund prospectuses 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 
Stability of Principal   
   Stability of Principal 
Voya Fixed Account - 457/401 - 4019 (1)(6)0.150.441.701.871.961.972.24 
This fund is not part of the product's separate account.   
Bonds   
   High Yield Bond 
PGIM High Yield Fund - Class R6 - 6589 3.713.163.305.725.837.386.6603/01/1996 
   Intermediate Core Bond 
Fidelity® U.S. Bond Index Fund - D110 1.100.467.407.175.234.043.4403/08/1990 
   Intermediate Core-Plus Bond 
Voya Intermediate Bond Fund - Class I - 238 (2)1.571.357.617.515.865.104.9412/15/1998 
   Intermediate Government 
Voya GNMA Income Fund - Class I - 240 (3)0.270.553.793.833.542.822.9908/17/1973 
   Multisector Bond 
PIMCO Diversified Income Fund - Institutional Class - 3682 3.362.504.975.805.456.615.6107/31/2003 
Asset Allocation   
   Lifecycle - Index 
Vanguard® Target Retirement 2015 Fund - Investor Shares - 791 (4)4.692.827.999.296.486.876.9710/27/2003 
Vanguard® Target Retirement 2020 Fund - Investor Shares - 1296 (4)6.363.678.9410.797.227.907.8506/07/2006 
Vanguard® Target Retirement 2025 Fund - Investor Shares - 926 (4)7.624.399.7311.847.778.638.4810/27/2003 
Vanguard® Target Retirement 2030 Fund - Investor Shares - 1297 (4)8.504.8410.0912.538.079.159.0006/07/2006 
Vanguard® Target Retirement 2035 Fund - Investor Shares - 793 (4)9.385.2210.3613.108.329.649.4910/27/2003 
Vanguard® Target Retirement 2040 Fund - Investor Shares - 1298 (4)10.275.6610.6313.708.5610.129.8506/07/2006 
Vanguard® Target Retirement 2045 Fund - Investor Shares - 794 (4)11.186.0711.0414.378.8010.4110.0010/27/2003 
Vanguard® Target Retirement 2050 Fund - Investor Shares - 1299 (4)11.236.1511.0914.458.8210.4210.0006/07/2006 
Vanguard® Target Retirement 2055 Fund - Investor Shares - 2473 (4)11.256.1411.0414.418.8110.4110.0108/18/2010 
Vanguard® Target Retirement 2060 Fund - Investor Shares - 3447 (4)11.216.1411.0414.408.8110.4110.3901/19/2012 
Vanguard® Target Retirement 2065 Fund - Investor Shares - 8995 (5)11.256.1710.9314.248.7410.1407/12/2017 
Vanguard® Target Retirement Income Fund - Investor Shares - 795 (4)4.212.547.918.966.206.045.5810/27/2003 
Balanced   
   Allocation--50% to 70% Equity 
American Funds American Balanced Fund® - Class R-4 - 823 6.963.318.1510.308.299.1910.1007/26/1975 
Large Cap Value   
   Large Blend 
Fidelity® 500 Index Fund - C975 10.923.8313.7517.1512.8813.6913.9002/17/1988 
Fidelity® Total Market Index Fund - D118 12.215.7415.3418.6312.8613.6313.7211/05/1997 
Vanguard® FTSE Social Index Fund - Admiral™ Shares - D591 10.923.5217.4221.2915.1515.1515.1505/31/2000 
   Large Value 
Dodge & Cox Stock Fund - 466 18.3112.322.896.386.9310.7712.3501/04/1965 
JPMorgan Equity Income Fund - Class R6 Shares - 3507 12.227.490.823.787.309.9612.0302/18/1992 
Large Cap Growth   
   Large Growth 
American Funds The Growth Fund of America® - Class R-4 - 572 12.295.2330.0134.0117.8216.8315.2912/01/1973 
MFS® Growth Fund - Class R6 - 3665 8.120.1327.0230.3621.5218.8216.5909/13/1993 
Small/Mid/Specialty   
   Mid-Cap Blend 
Fidelity® Mid Cap Index Fund - D122 13.8212.3111.8514.4010.2411.7413.6609/08/2011 
   Mid-Cap Growth 
Baron Growth Fund - Retail Shares - 920 15.4411.3524.3625.3919.0717.2314.8912/31/1994 
JPMorgan Mid Cap Growth Fund - Class R5 Shares - 3756 13.7511.7440.4542.5023.2218.9216.5403/02/1989 
   Mid-Cap Value 
American Century Mid Cap Value Fund - R6 Class - 6305 13.1010.64-1.011.584.048.0510.9303/31/2004 
   Small Blend 
Fidelity® Small Cap Index Fund - C993 18.3616.7610.2013.416.9410.1612.4409/08/2011 
   Small Growth 
Loomis Sayles Small Cap Growth Fund - Institutional Class - 3156 12.9411.6323.3125.9515.8614.9914.5512/31/1996 
   Small Value 
Vanguard® Small-Cap Value Index Fund - Institutional Shares - 7187 17.6716.65-0.951.782.227.049.9612/07/1999 
   Specialty - Real Estate 
Cohen & Steers Real Estate Securities Fund - Class Z - 1999 9.064.11-5.78-5.125.736.9210.0907/15/1998 
Global / International   
   Diversified Emerging Mkts 
JPMorgan Emerging Markets Equity Fund - Class R6 Shares - C374 8.1410.5024.2431.5512.5616.406.2811/15/1993 
   Foreign Large Blend 
iShares MSCI EAFE International Index Fund - Class K Shares - 3553 14.967.882.685.763.005.935.4704/09/1997 
MFS® International Diversification Fund - Class R4 - 2881 11.186.499.4313.737.749.977.9104/01/2005 
   Foreign Large Value 
Dodge & Cox International Stock Fund - 735 21.2012.08-2.961.89-0.104.524.9005/01/2001 
   World Large Stock 
American Funds New Perspective Fund® - Class R-4 - 818 13.256.0025.2329.7615.4314.6512.6903/13/1973 
 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  
STATE OF FLORIDA  
Separate Account D  
Average Annual Total Returns as of 09/30/2020    (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 800-282-6295.  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, ranging from 0.00% to 0.25% 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.      See "Additional Notes" section for charges by investment option. 

 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 
Stability of Principal   
   Stability of Principal 
Voya Fixed Account - 457/401 - 4019 (1)(6)0.150.451.391.901.971.982.27 
This fund is not part of the product's separate account.   
Bonds   
   High Yield Bond 
PGIM High Yield Fund - Class R6 - 6589 -0.645.06-0.502.524.536.686.3903/01/1996 
   Intermediate Core Bond 
Fidelity® U.S. Bond Index Fund - D110 -0.100.376.816.804.983.893.3403/08/1990 
   Intermediate Core-Plus Bond 
Voya Intermediate Bond Fund - Class I - 238 (2)0.071.826.256.495.434.884.8012/15/1998 
   Intermediate Government 
Voya GNMA Income Fund - Class I - 240 (3)0.01-0.013.233.583.262.703.0408/17/1973 
   Multisector Bond 
PIMCO Diversified Income Fund - Institutional Class - 3682 -0.772.651.623.264.396.405.1807/31/2003 
Asset Allocation   
   Lifecycle - Index 
Vanguard® Target Retirement 2015 Fund - Investor Shares - 791 (4)-0.833.464.157.415.856.796.7910/27/2003 
Vanguard® Target Retirement 2020 Fund - Investor Shares - 1296 (4)-1.334.423.688.246.297.697.5406/07/2006 
Vanguard® Target Retirement 2025 Fund - Investor Shares - 926 (4)-1.605.103.448.766.638.338.1110/27/2003 
Vanguard® Target Retirement 2030 Fund - Investor Shares - 1297 (4)-1.875.643.049.116.778.808.5706/07/2006 
Vanguard® Target Retirement 2035 Fund - Investor Shares - 793 (4)-2.136.222.659.446.909.269.0210/27/2003 
Vanguard® Target Retirement 2040 Fund - Investor Shares - 1298 (4)-2.386.732.219.687.009.709.3106/07/2006 
Vanguard® Target Retirement 2045 Fund - Investor Shares - 794 (4)-2.657.301.9110.007.069.869.3910/27/2003 
Vanguard® Target Retirement 2050 Fund - Investor Shares - 1299 (4)-2.637.281.909.997.069.859.3806/07/2006 
Vanguard® Target Retirement 2055 Fund - Investor Shares - 2473 (4)-2.637.311.879.977.049.849.4008/18/2010 
Vanguard® Target Retirement 2060 Fund - Investor Shares - 3447 (4)-2.627.321.889.987.049.849.5101/19/2012 
Vanguard® Target Retirement 2065 Fund - Investor Shares - 8995 (5)-2.607.291.769.846.987.7607/12/2017 
Vanguard® Target Retirement Income Fund - Investor Shares - 795 (4)-0.763.054.437.095.535.775.3410/27/2003 
Balanced   
   Allocation--50% to 70% Equity 
American Funds American Balanced Fund® - Class R-4 - 823 -1.644.102.979.027.629.439.7707/26/1975 
Large Cap Value   
   Large Blend 
Fidelity® 500 Index Fund - C975 -3.828.875.3814.8611.9913.8613.4502/17/1988 
Fidelity® Total Market Index Fund - D118 -3.709.015.0514.4811.2713.3413.1511/05/1997 
Vanguard® FTSE Social Index Fund - Admiral™ Shares - D591 -3.9010.519.0020.4114.4315.2614.6805/31/2000 
   Large Value 
Dodge & Cox Stock Fund - 466 -3.214.28-11.34-2.392.849.0611.0301/04/1965 
JPMorgan Equity Income Fund - Class R6 Shares - 3507 -2.156.80-8.21-2.095.809.5311.4002/18/1992 
Large Cap Growth   
   Large Growth 
American Funds The Growth Fund of America® - Class R-4 - 572 -3.8711.0318.7732.1116.4316.8214.6712/01/1973 
MFS® Growth Fund - Class R6 - 3665 -3.9710.8421.8132.1422.2219.9816.8309/13/1993 
Small/Mid/Specialty   
   Mid-Cap Blend 
Fidelity® Mid Cap Index Fund - D122 -1.927.49-2.324.587.1410.1312.2409/08/2011 
   Mid-Cap Growth 
Baron Growth Fund - Retail Shares - 920 -1.8110.879.6719.0816.2515.2914.2212/31/1994 
JPMorgan Mid Cap Growth Fund - Class R5 Shares - 3756 -1.9710.1323.2136.0520.0417.1515.8803/02/1989 
   Mid-Cap Value 
American Century Mid Cap Value Fund - R6 Class - 6305 -2.624.13-12.88-7.020.817.019.8403/31/2004 
   Small Blend 
Fidelity® Small Cap Index Fund - C993 -3.354.92-8.770.301.667.9210.3509/08/2011 
   Small Growth 
Loomis Sayles Small Cap Growth Fund - Institutional Class - 3156 -2.808.577.3817.9812.5513.6214.0212/31/1996 
   Small Value 
Vanguard® Small-Cap Value Index Fund - Institutional Shares - 7187 -3.753.98-18.28-12.47-2.854.608.4912/07/1999 
   Specialty - Real Estate 
Cohen & Steers Real Estate Securities Fund - Class Z - 1999 -1.892.98-11.21-10.274.616.959.7907/15/1998 
Global / International   
   Diversified Emerging Mkts 
JPMorgan Emerging Markets Equity Fund - Class R6 Shares - C374 -1.6214.0510.6022.829.5514.674.9911/15/1993 
   Foreign Large Blend 
iShares MSCI EAFE International Index Fund - Class K Shares - 3553 -2.294.42-6.990.300.494.994.2604/09/1997 
MFS® International Diversification Fund - Class R4 - 2881 -1.257.951.4810.996.379.517.1904/01/2005 
   Foreign Large Value 
Dodge & Cox International Stock Fund - 735 -5.430.39-18.12-9.43-5.852.213.1305/01/2001 
   World Large Stock 
American Funds New Perspective Fund® - Class R-4 - 818 -3.6412.5613.8425.3013.3614.3011.8303/13/1973 
 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 
 These numbers reflect the fund's investment advisory fees, other fund expenses, and the annual deduction from the Separate Account as stated below:
American Funds Am Balanced R4, American Funds Growth Fnd R4, American Funds New Perspective R4, Baron Growth Fund Ret, Dodge & Cox International Stock Fund, Dodge & Cox Stock Fund, Fidelity Mid Cap Index Fd, JPMorgan Mid Cap Growth Fund R5, Loomis Sayles Sm Cp Growth Fnd Inst, MFS Intl Diversification Fnd R4, Voya GNMA Income Fund I, Voya Intermediate Bond Fund I: 0.00%
Vanguard Sm-Cap Val Index Fnd Inst: 0.20%
All Other funds: 0.25%
 

(1) The current rate for the Voya Fixed Account - 457/401 MC 914, Fund 4019 is 1.80%, 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 Intermediate Bond Fund - Class I has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class A.  The performance information above is based upon the Class A performance, excluding sales charges, and has not been adjusted by the fee differences between classes. 
(3) Voya GNMA Income Fund - Class I has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class A.  The performance information above is based upon the Class A performance, excluding sales charges, and has not been adjusted by the fee differences between classes. 

(4) 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 work force. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in the Target Retirement Fund is not guaranteed at any time, including on or after the target date. 
(5) 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.
 
(6) 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: Wednesday, December 2, 2020

Insurance products, annuities and funding agreements are issued by Voya Retirement Insurance and Annuity Company ("VRIAC"), Windsor, CT. VRIAC is solely responsible for its own financial condition and contractual obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services LLC ("VIPS"). VIPS does not engage in the sale or solicitation of securities. All companies are members of the Voya® family of companies. Securities distributed by Voya Financial Partners LLC (member SIPC) or third parties with which it has a selling agreement. All products and services may not be available in all states.