Investment Performance & Fees

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PERFORMANCE UPDATE  
 
ARLINGTON COUNTY 457 DEFERRED  
 
Average Annual Total Returns as of 06/30/2021    (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 annual asset based fee is deducted from your account quarterly at a quarterly rate of .0175% (0.07% annually) of balances held in each of the funds, including Voya Fixed Plus Account III. The performance data shown below does not reflect the asset based fee. If such fees had been reflected, the performance data shown for each option would have been lower. 

 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   
   Money Market 
Vanguard® Federal Money Market Fund - Investor Shares - 2573 (2)0.000.000.010.031.211.070.5607/13/19810.11 0.11  
The 7-day annualized yield as of 06/30/2021 is 0.01%, which more closely reflects current earnings.  (12) 
   Stability of Principal 
Voya Fixed Plus Account III - 4020 (1)(3)(11)0.090.290.571.251.521.631.96   
Bonds   
   High Yield Bond 
Federated Hermes Instl High Yield Bond Fund - Class R6 Shr - 8733 (4)1.332.513.3013.857.116.916.6511/01/20020.52 0.49  
   Inflation-Protected Bond 
Vanguard® Inflation-Protected Securities Fund-Admiral™ Sh - 7925 0.693.111.706.476.414.023.3306/10/20050.10 0.10  
   Intermediate Core Bond 
Vanguard® Total Bond Market Index Fund - Admiral™ Shares - 898 0.782.00-1.69-0.425.393.003.3711/12/20010.05 0.05  
   Intermediate Core-Plus Bond 
Metropolitan West Total Return Bond Fund - Plan Class Shares - 3058 0.701.82-1.151.366.213.734.3312/31/20020.38 0.38  
   World Bond 
AB Global Bond Fund - Class Z - 6344 (5)0.511.30-0.932.124.222.963.5903/27/19920.50 0.50  
Asset Allocation   
   Lifecycle 
Vanguard® Institutional Target Retirement Income Fund- Inst - 4711 (6)0.813.213.3212.048.126.706.0706/26/20150.09 0.09  
   Lifecycle - Index 
Vanguard® Institutional Target Retirement 2025 Fund - Inst - 4703 (6)1.074.796.7822.8111.1710.628.6806/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2035 Fund - Inst - 4705 (6)1.165.709.0529.3412.6412.459.8206/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2045 Fund - Inst - 4707 (6)1.286.5611.3436.1014.0713.9610.8606/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2055 Fund - Inst - 4709 (6)1.306.6511.5136.5014.2014.0310.9206/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2065 Fund - Inst - 8985 (6)1.326.6211.4936.4914.1313.1907/12/20170.09 0.09  
Balanced   
   Allocation--50% to 70% Equity 
T. Rowe Price Capital Appreciation Fund - I Class - 9138 (7)0.815.669.9929.8816.8014.2112.7406/30/19860.60 0.59  
Large Cap Value/Blend   
   Large Blend 
Vanguard® FTSE Social Index Fund - Admiral™ Shares - D591 3.259.2814.3742.0620.6919.8016.1905/31/20000.14 0.14  
Vanguard® Institutional Index Fund - Institutional Shares - 566 2.338.5415.2440.7718.6517.6214.8107/31/19900.04 0.04  
   Large Value 
Invesco Diversified Dividend Fund - Class R6 - 3697 (8)-2.014.1213.1433.6210.538.6210.4712/31/20010.44 0.44  
T. Rowe Price Value Fund - I Class - 7575 (9)-1.186.2219.1152.6115.5514.3612.9909/30/19940.64 0.63  
Large Cap Growth   
   Large Growth 
American Funds The Growth Fund of America® - Class R-6 - 1724 3.418.3811.1443.4120.7921.4116.3512/01/19730.30 0.30  
ClearBridge Large Cap Growth Fund - Class IS - 3862 4.4411.2511.5436.8121.8421.0017.6508/29/19970.62 0.62  
T. Rowe Price Blue Chip Growth Fund - I Class - 7577 (10)5.9812.0812.6236.7821.7824.2318.4106/30/19930.56 0.56  
Small/Mid/Specialty   
   Mid-Cap Blend 
Vanguard® Mid-Cap Index Fund - Institutional Shares - 1197 1.807.5815.3146.8816.5115.7613.1405/21/19980.04 0.04  
   Mid-Cap Growth 
Janus Henderson Enterprise Fund - Class N Shares - 6095 0.824.739.8741.3418.3419.0415.3609/01/19920.66 0.66  
   Mid-Cap Value 
Victory Sycamore Established Value Fund - Class R6 - 6595 -2.295.5322.8456.0814.9814.5613.1108/16/19830.57 0.57  
   Small Blend 
Vanguard® Small-Cap Index Fund - Institutional Shares - 1198 1.435.5916.3956.5114.7615.9712.9007/07/19970.04 0.04  
   Small Growth 
Vanguard® Explorer™ Fund - Admiral™ Shares - 828 2.936.0613.0952.8119.5421.0814.6511/12/20010.30 0.30  
   Small Value 
Wells Fargo Special Small Cap Value Fund - Class R6 - 8051 -1.823.1723.3260.4610.4513.1011.8305/07/19930.85 0.85  
   Specialty - Real Estate 
Vanguard® Real Estate Index Fund - Admiral™ Shares - 802 2.6211.6621.3734.3711.967.089.7311/12/20010.12 0.12  
Global / International   
   Diversified Emerging Mkts 
American Funds New World Fund® - Class R-6 - 3491 1.799.3410.2342.3516.9016.108.2606/17/19990.59 0.59  
   Foreign Large Blend 
DFA International Core Equity Portfolio - Inst Class - 2875 -1.655.3711.7840.187.6310.706.1909/15/20050.24 0.25  
Vanguard® FTSE All-World ex-US Index Fd - Inst Shares - 2299 -0.545.359.4235.929.8311.205.7004/30/20070.08 0.08  
   Foreign Large Growth 
American Funds EuroPacific Growth Fund® - Class R-6 - 1723 0.296.976.5140.1013.7914.508.3304/16/19840.46 0.46  
   Foreign Small/Mid Blend 
Victory Trivalent International Small-Cap Fund - Class R6 - 3622 -0.986.4711.4741.149.6813.069.9808/17/20071.07 1.07  
   World Large Stock 
American Funds Capital World Growth and Income Fund® - R-6 - 1960 0.265.7610.4935.6512.9113.7110.0703/25/19930.42 0.42  
 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. 


ADDITIONAL NOTES 
(1) The current rate for the Voya Fixed Plus Account III MC 901, Fund 4020 is 1.15%, 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) YOU COULD LOSE MONEY BY INVESTING IN THE FUND. ALTHOUGH THE FUND SEEKS TO PRESERVE THE VALUE OF YOUR INVESTMENT AT $1.00 PER SHARE, IT CANNOT GUARANTEE IT WILL DO SO. AN INVESTMENT IN THE FUND IS NOT INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENT AGENCY. THE FUND'S SPONSOR HAS NO LEGAL OBLIGATION TO PROVIDE FINANCIAL SUPPORT TO THE FUND, AND YOU SHOULD NOT EXPECT THAT THE SPONSOR WILL PROVIDE FINANCIAL SUPPORT TO THE FUND AT ANY TIME. 
(3) Voya Fixed Plus Account III - Voya will credit interest at an annual effective rate of 3.00% through December 31, 2017, 2.75% in 2018 and 2.50% in 2019.  Each of these is higher than the standard Voya Fixed Plus Account III credited rate.  Beginning on January 1, 2020 and thereafter, the credited rate for your plan will be that of the prevailing credited interest rate in effect at that time.  Please note the Guaranteed Minimum Interest Rate is 1.00%.  Guarantees are based on the claims-paying ability of Voya Retirement Insurance and Annuity Company.  Restrictions may apply to transfers of funds from the Voya Fixed Plus Account III to other contract investment options. Please refer to your product prospectus / disclosure booklet or call your 800 number for more information. 
(4) Federated Institutional High Yield Bond Fund - Cl R6 Sh: The Adviser and certain of its affiliates on their own initiative have agreed to waive certain amounts of their respective fees and/or reimburse expenses. Total annual fund operating expenses (excluding acquired fund fees and expenses, interest expense, extraordinary expenses and proxy-related expenses paid by the Fund, if any) paid by the Fund's R6 shares (after the voluntary waivers and/or reimbursements) will not exceed 0.48% (the Fee Limit) up to but not including the later of (the Termination Date): (a) January 1, 2020; or (b) the date of the Fund's next effective Prospectus. While the Adviser and its affiliates currently do not anticipate terminating or increasing these arrangements prior to the Termination Date, these arrangements may only be terminated or the Fee Limit increased prior to the Termination Date with the agreement of the Fund's Board of Trustees. 

(5) AB Global Bond Fund - Class Z: In connection with the Fund's investments in AB Government Money Market Portfolio (the Money Market Portfolio), the Adviser has contractually agreed to waive its management fee from the Fund and/or reimburse other expenses of the Fund in an amount equal to the Fund's pro rata share of the Money Market Portfolio's effective management fee, as included in Acquired Fund Fees and Expenses. 

(6) 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.
 
(7) T. Rowe Price Capital Appreciation Fund - I Class: T. Rowe Price Associates, Inc., has contractually agreed (at least through April 30, 2020) to waive a portion of the fund's management fee so that an individual fund fee of 0.27% is applied to the fund's average daily net assets that are equal to or greater than $27.5 billion. Thereafter, this agreement will automatically renew for one-year terms unless terminated by the fund's Board of Directors. Any fees waived under this agreement are not subject to reimbursement to T. Rowe Price Associates, Inc., by the fund. 

(8) Invesco Diversified Dividend Fund - Class R6: Invesco Advisers, Inc. (Invesco or the Adviser) has contractually agreed to waive a portion of the Fund's management fee in an amount equal to the net management fee that Invesco earns on the Fund's investments in certain affiliated funds, which will have the effect of reducing the Acquired Fund Fees and Expenses. Unless Invesco continues the fee waiver agreement, it will terminate on June 30, 2020. During its term, the fee waiver agreement cannot be terminated or amended to reduce the advisory fee waiver without approval of the Board of Trustees. 

(9) T. Rowe Price Value Fund - I Class: T. Rowe Price Associates, Inc., has contractually agreed (at least through April 30, 2020) to waive a portion of the fund's management fee so that an individual fund fee of 0.2975% is applied to the fund's average daily net assets that are equal to or greater than $20 billion. Thereafter, this agreement will automatically renew for one-year terms unless terminated by the fund's Board of Directors. Any fees waived under this agreement are not subject to reimbursement to T. Rowe Price Associates, Inc., by the fund. 

(10) T. Rowe Price Blue Chip Growth Fund - I Class: Through April 30, 2018, T. Rowe Price Associates, Inc. has agreed to pay the operating expenses of the fund excluding management fees; interest; expenses related to borrowings, taxes and brokerage; nonrecurring, extraordinary expenses; and acquired fund fees and expenses ("Operating Expenses"), to the extent the Operating Expenses exceed 0.05% of the average daily net assets. Any expenses paid under this agreement are subject to reimbursement to T. Rowe Price Associates, Inc. by the fund or class whenever the fund's Operating Expenses are below 0.05%. However, no reimbursement will be made more than three years after the payment of the Operating Expenses or if such reimbursement would cause the fund's Operating Expenses to exceed 0.05%. The agreement may be terminated at any time beyond April 30, 2018, with approval by the fund's Board of Directors. 

(11) 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. 

(12) The current yield reflects the deduction of all charges that are deducted from the total return quotations shown.   



Creation Date: Saturday, July 24, 2021

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 Voya family of companies. Securities may also be through other broker-dealers with which Voya has selling agreements. Product and services may not be available in all states.