Investment Performance

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Average Annual Total Returns as of 09/30/2019    (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 asset based Administrative Fee is deducted from your account quarterly at an annual rate of 0.145% of balances held in each of the investment options.  These returns do not reflect any plan level administrative fees, if applicable; if reflected, returns would be less favorable. The performance data shown below also does not reflect an expense reimbursement which may be applied to participant accounts on a quarterly basis.  If this expense reimbursement did apply and had been reflected, the performance data shown for each option would have been higher.  Please contact your local representative for more information. 

 The returns assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. 

 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   
   Stable Value 
San Bernardino Stable Value Option - 1627 (1)(7)0.220.671.912.552.502.452.35   
   High Yield Bond 
Pioneer Global High Yield Fund - Class Y Shares - 1500 1.18- 0.92  
   Intermediate-Term Bond 
Loomis Sayles Investment Grade Bond Fund - Class Y - 2078 (2)-0.442.108.547.904.143.165.2401/02/19970.57 0.51  
   World Bond 
Invesco Oppenheimer International Bond Fund - Class R6 - 3506 0.96-2.695.214.751.932.532.7906/15/19950.57 0.56  
Asset Allocation   
Vanguard® Institutional Target Retirement Income Fund- Inst - 4711 (3)0.311.4910.276.735.114.7706/26/20150.09 0.09  
   Lifecycle - Index 
Vanguard® Institutional Target Retirement 2020 Fund - Inst - 4702 (3)0.851.2012.655.347.125.8706/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2025 Fund - Inst - 4703 (3)1.091.0913.704.917.836.2506/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2030 Fund - Inst - 4704 (3)1.290.9114.314.198.336.4406/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2035 Fund - Inst - 4705 (3)1.490.7014.883.458.846.6406/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2040 Fund - Inst - 4706 (3)1.650.4915.402.659.326.8006/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2045 Fund - Inst - 4707 (3)1.850.3215.792.139.476.9206/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2050 Fund - Inst - 4708 (3)1.850.3215.762.119.476.9106/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2055 Fund - Inst - 4709 (3)1.840.2815.772.169.486.9206/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2060 Fund - Inst - 4710 (3)1.840.3215.812.159.466.9006/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2065 Fund - Inst - 8985 (3)1.830.3115.872.227.2807/12/20170.09 0.09  
Aggressive Allocation Portfolio - 495 (4)1.790.0114.832.227.916.358.7410/01/20040.18 0.17  
Conservative Allocation Portfolio - 488 (5)0.790.536.232.384.944.185.4710/01/20040.32 0.32  
Moderate Allocation Portfolio - 490 (6)1.420.1411.802.606.665.757.7310/01/20040.25 0.25  
Large Cap Value   
   Large Blend 
Vanguard® Institutional Index Fund - Institutional Plus - 1228 1.871.7020.554.2413.3810.8313.2407/07/19970.02 0.02  
Large Cap Growth   
   Large Growth 
American Funds The Growth Fund of America® - Class R-6 - 1724 -0.24-2.0615.46-1.9313.1010.9712.7612/01/19730.33 0.33  
   Mid-Cap Blend 
Vanguard® Mid-Cap Index Fund - Institutional Shares - 1197 2.050.6022.623.6510.689.2113.0605/21/19980.04 0.04  
   Mid-Cap Growth 
Baron Growth Fund - Institutional Shares - 1713 -1.19-0.6929.325.3617.0011.8914.0012/30/19941.03 1.03  
   Small Blend 
Vanguard® Small-Cap Index Fund - Institutional Shares - 1198 1.39-1.4517.81-3.809.648.6312.4007/07/19970.04 0.04  
   Small Value 
Invesco Small Cap Value Fund - Class Y - 2824 5.67-2.3420.08-8.646.074.2210.5008/12/20050.87 0.87  
Global / International   
   Foreign Large Blend 
Vanguard® Total International Stock Index Fund- Inst Shares - 9772 2.69-1.6111.47-1.536.093.174.5504/29/19960.08 0.08  
   Foreign Large Value 
Dodge & Cox International Stock Fund - 735 4.41-1.6611.00-2.755.260.644.9205/01/20010.63 0.63  
   World Large Stock 
American Funds Capital World Growth and Income Fund® - R-6 - 1960 1.57-0.5514.981.648.946.318.2803/25/19930.44 0.44  
 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) Stable Value Options invests in Voya's Stabilizer managed separate account annuity contract, issued by Voya Retirement Insurance and Annuity Company. The contract provides for declared credited interest rates that are set in advance. The declared rates are net of all expenses. Guarantees of principal and interest are based on the claims paying ability of Voya Retirement Insurance and Annuity Company. Stable Value Option is not a registered investment company and is not registered with the Securities and Exchange Commission. This investment option is not part of Separate Account D. The CURRENT rate for the San Bernardino Stable Value Option Fund 1627- is 2.67%, expressed as an annual effective yield, and is guaranteed not to drop below 2.67% through 12/31/2019.  The rate for the Stable Value option during the prior quarter (07/01/19 - 09/30/19) was 2.69%, expressed as an annual effective yield. 

(2) Loomis Sayles Investment Grade Bond Fund - Class Y: 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 0.53% of the Fund's average daily net assets for Class Y 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 April 30, 2020 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 Class Y 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. 

(3) 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.
(4) The Aggressive Allocation Portfolio is not a registered investment company and has not been registered with the Securities and Exchange Commission. 
(5) The Conservative Allocation Portfolio is not a registered investment company and has not been registered with the Securities and Exchange Commission. 
(6) The Moderate Allocation Portfolio is not a registered investment company and has not been registered with the Securities and Exchange Commission. 
(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. 

 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, October 16, 2019

The Net Fund Expense for the San Bernardino Stable Value Option is 0.44%

Not FDIC/NCUA/NCUSIF Insured | Not a Deposit of a Bank/Credit Union | May Lose Value | Not Bank/Credit Union Guaranteed | Not Insured by Any Federal Government Agency

Insurance products issued 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. Insurance obligations are the responsibility of each individual company. All companies are members of the VoyaTM family of companies. Securities may also be distributed through other broker-dealers with which Voya has selling agreements. Product and services may not be available in all states.