Investment Performance

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PERFORMANCE UPDATE  
 
NASHVILLE & DAVIDSON COUNTY  
 
Average Annual Total Returns as of 04/30/2022    (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 Fee for administrative services is deducted from your account monthly at an annual rate of 0.13% of balances held in each of the investment options including the Voya Fixed Plus Account III.  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 monthly basis.  If this expense reimbursement did apply and had been reflected, the performance data shown for each applicable option would have been higher.  Please contact your local representative for more information. 

 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   
   Stability of Principal 
Voya Fixed Plus Account III - 4020 (1)(6)0.180.540.732.382.632.803.12   
Bonds   
   Intermediate Core-Plus Bond 
PIMCO Total Return Fund - Institutional Class - 544 -3.97-8.12-9.92-8.720.751.512.1705/11/19870.47 0.47  
   Nontraditional Bond 
PIMCO Dynamic Bond Fund - Inst Class - 6323 -1.69-4.14-4.74-5.520.922.122.3306/30/20080.83 0.83  
Asset Allocation   
   Lifecycle - Index 
Vanguard� Target Retirement 2015 Fund - 791 (2)-4.24-6.39-8.83-5.604.214.835.7510/27/20030.08 0.08  
Vanguard� Target Retirement 2020 Fund - 1296 (2)-5.13-7.11-9.93-5.975.355.916.7706/07/20060.08 0.08  
Vanguard� Target Retirement 2025 Fund - 926 (2)-5.93-7.90-11.11-6.695.976.567.4310/27/20030.08 0.08  
Vanguard� Target Retirement 2030 Fund - 1297 (2)-6.37-8.22-11.66-6.786.617.168.0306/07/20060.08 0.08  
Vanguard� Target Retirement 2035 Fund - 793 (2)-6.67-8.30-11.95-6.617.297.778.6410/27/20030.08 0.08  
Vanguard� Target Retirement 2040 Fund - 1298 (2)-7.04-8.47-12.30-6.527.968.389.1406/07/20060.08 0.08  
Vanguard� Target Retirement 2045 Fund - 794 (2)-7.36-8.59-12.61-6.408.658.899.4410/27/20030.08 0.08  
Vanguard� Target Retirement 2050 Fund - 1299 (2)-7.48-8.64-12.71-6.378.738.949.4606/07/20060.08 0.08  
Vanguard� Target Retirement 2055 Fund - 2473 (2)-7.45-8.62-12.72-6.378.728.939.4408/18/20100.08 0.08  
Vanguard� Target Retirement 2060 Fund - 3447 (2)-7.44-8.61-12.70-6.348.728.939.4501/19/20120.08 0.08  
Vanguard� Target Retirement 2065 Fund - 8995 (3)-7.45-8.59-12.67-6.338.698.6107/12/20170.08 0.08  
Vanguard� Target Retirement Income Fund - 795 (2)-4.22-6.40-8.79-5.663.864.224.4410/27/20030.08 0.08  
Balanced   
   World Allocation 
Principal Diversified Real Asset Fund - Institutional Class - 6322 (4)-2.513.283.0511.739.757.134.2103/16/20100.92 0.83  
Large Cap Value/Blend   
   Large Blend 
Vanguard� Institutional Index Fund - Institutional Shares - 566 -8.72-8.17-12.930.1813.8213.6313.6407/31/19900.04 0.04  
Vanguard� PRIMECAP Fund - Admiral™ Shares - 1234 -7.62-7.80-11.92-5.0311.9313.2515.1411/12/20010.31 0.31  
   Large Value 
Dodge & Cox Stock Fund - Class I Shares - 466 -7.51-7.72-6.580.7112.5411.4213.5001/04/19650.51 0.51  
Small/Mid/Specialty   
   Mid-Cap Blend 
Vanguard� Mid-Cap Index Fund - Institutional Shares - 1197 -8.05-6.51-13.86-4.5311.1210.8712.0705/21/19980.04 0.04  
   Small Blend 
Voya Small Company Portfolio - Class I - 042 (5)-8.15-6.71-12.87-12.815.874.989.4812/27/19960.99 0.90  
   Specialty - Real Estate 
Nuveen Real Estate Securities Fund - Class R6 - 6321 -3.92-0.48-7.5712.839.988.959.0209/29/19950.90 0.82  
Global / International   
   Foreign Large Blend 
Vanguard� Total International Stock Index Fund - Adm™ Sh - 9889 -6.30-9.43-12.00-10.534.494.945.3104/29/19960.11 0.11  
   Foreign Large Value 
Dodge & Cox International Stock Fund - Class I Shares - 735 -5.15-8.46-5.71-4.134.693.545.9305/01/20010.62 0.62  
   World Large-Stock Blend 
American Funds Capital World Growth and Income Fund� - R-6 - 1960 -8.02-10.73-14.89-9.387.357.959.0703/25/19930.42 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 temporary fee or expense waivers that may be in effect for a fund. The Net Expense Ratios reflect any applicable temporary fee or expense waivers. 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. 



PERFORMANCE UPDATE  
 
NASHVILLE & DAVIDSON COUNTY  
 
Average Annual Total Returns as of 03/31/2022    (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 Fee for administrative services is deducted from your account monthly at an annual rate of 0.13% of balances held in each of the investment options including the Voya Fixed Plus Account III.  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 monthly basis.  If this expense reimbursement did apply and had been reflected, the performance data shown for each applicable option would have been higher.  Please contact your local representative for more information. 

 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   
   Stability of Principal 
Voya Fixed Plus Account III - 4020 (1)(6)0.190.550.552.402.652.813.14   
Bonds   
   Intermediate Core-Plus Bond 
PIMCO Total Return Fund - Institutional Class - 544 -3.43-6.19-6.19-4.022.182.502.7305/11/19870.47 0.47  
   Nontraditional Bond 
PIMCO Dynamic Bond Fund - Inst Class - 6323 -1.60-3.10-3.10-3.591.672.522.6306/30/20080.83 0.83  
Asset Allocation   
   Lifecycle - Index 
Vanguard� Target Retirement 2015 Fund - 791 (2)-0.93-4.79-4.790.396.205.956.2010/27/20030.08 0.08  
Vanguard� Target Retirement 2020 Fund - 1296 (2)-0.44-5.06-5.061.397.877.277.3106/07/20060.08 0.08  
Vanguard� Target Retirement 2025 Fund - 926 (2)-0.05-5.51-5.511.868.928.148.0410/27/20030.08 0.08  
Vanguard� Target Retirement 2030 Fund - 1297 (2)0.22-5.65-5.652.539.848.858.6806/07/20060.08 0.08  
Vanguard� Target Retirement 2035 Fund - 793 (2)0.54-5.66-5.663.2910.779.579.3110/27/20030.08 0.08  
Vanguard� Target Retirement 2040 Fund - 1298 (2)0.86-5.66-5.664.1011.6810.289.8506/07/20060.08 0.08  
Vanguard� Target Retirement 2045 Fund - 794 (2)1.21-5.67-5.674.8812.6110.8910.1910/27/20030.08 0.08  
Vanguard� Target Retirement 2050 Fund - 1299 (2)1.33-5.65-5.655.0712.7410.9610.2306/07/20060.08 0.08  
Vanguard� Target Retirement 2055 Fund - 2473 (2)1.32-5.69-5.695.0512.7110.9510.2108/18/20100.08 0.08  
Vanguard� Target Retirement 2060 Fund - 3447 (2)1.32-5.68-5.685.0512.7110.9510.2401/19/20120.08 0.08  
Vanguard� Target Retirement 2065 Fund - 8995 (3)1.33-5.63-5.635.1212.6910.5607/12/20170.08 0.08  
Vanguard� Target Retirement Income Fund - 795 (2)-1.01-4.77-4.770.155.755.304.9510/27/20030.08 0.08  
Balanced   
   World Allocation 
Principal Diversified Real Asset Fund - Institutional Class - 6322 (4)4.375.715.7119.0910.927.794.5803/16/20100.92 0.83  
Large Cap Value/Blend   
   Large Blend 
Vanguard� Institutional Index Fund - Institutional Shares - 566 3.72-4.60-4.6015.6018.9015.9614.6107/31/19900.04 0.04  
Vanguard� PRIMECAP Fund - Admiral™ Shares - 1234 2.76-4.64-4.645.6116.3315.4115.9011/12/20010.31 0.31  
   Large Value 
Dodge & Cox Stock Fund - Class I Shares - 466 1.531.011.0114.8517.3013.2714.2501/04/19650.51 0.51  
Small/Mid/Specialty   
   Mid-Cap Blend 
Vanguard� Mid-Cap Index Fund - Institutional Shares - 1197 2.70-6.32-6.328.8415.6813.0112.9505/21/19980.04 0.04  
   Small Blend 
Voya Small Company Portfolio - Class I - 042 (5)-0.25-5.14-5.14-1.7110.466.9610.2912/27/19960.99 0.90  
   Specialty - Real Estate 
Nuveen Real Estate Securities Fund - Class R6 - 6321 6.25-3.80-3.8027.1411.359.909.7909/29/19950.90 0.82  
Global / International   
   Foreign Large Blend 
Vanguard� Total International Stock Index Fund - Adm™ Sh - 9889 -0.40-6.08-6.08-1.857.766.785.8004/29/19960.11 0.11  
   Foreign Large Value 
Dodge & Cox International Stock Fund - Class I Shares - 735 0.84-0.59-0.592.998.015.176.2405/01/20010.62 0.62  
   World Large-Stock Blend 
American Funds Capital World Growth and Income Fund� - R-6 - 1960 0.68-7.47-7.472.0011.3810.199.9103/25/19930.42 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 temporary fee or expense waivers that may be in effect for a fund. The Net Expense Ratios reflect any applicable temporary fee or expense waivers. 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 930, Fund 4020 is 2.25%, 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. 

 Voya Fixed Plus Account III - Voya will credit interest at an annual effective rate of at least 2.75% through June 30, 2020 and 2.50% through June 30, 2021.  The crediting interest rate thereafter will be 2.00% or the then prevailing interest rate (currently 1.75% as of June 1, 2019), whichever is greater. 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 disclosure booklet or call your 800 number for more information.
 


(2) 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. 
(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) Principal Diversified Real Asset Fund - Institutional Class: Principal Global Investors, LLC ("PGI"), the investment advisor, has contractually agreed to limit the Fund's Management Fees through the period ending December 30, 2021. The fee waiver will reduce the Fund's Management Fees by 0.05% (expressed as a percent of average net assets on an annualized basis). It is expected that the fee waiver will continue through the period disclosed; however, Principal Funds, Inc. and PGI, the parties to the agreement, may mutually agree to terminate the fee waiver prior to the end of the period. Principal Global Investors, LLC ("PGI"), the investment advisor, has contractually agreed to limit the Fund's expenses by paying, if necessary, expenses normally payable by the Fund, (excluding interest expense, expenses related to fund investments, acquired fund fees and expenses, and other extraordinary expenses) to maintain a total level of operating expenses (expressed as a percent of average net assets on an annualized basis) not to exceed 0.83% for Institutional Class shares. It is expected that these expense limits will continue through the period ending December 30, 2021; however, Principal Funds, Inc. and PGI, the parties to the agreement, may mutually agree to terminate the expense limits prior to the end of the period. Subject to applicable expense limits, the Fund may reimburse PGI for expenses incurred during the current fiscal year. 

(5) Voya Small Company Portfolio - Class I: The adviser is contractually obligated to limit expenses to 0.90% for Class I shares through May 1, 2022. The limitation does not extend to interest, taxes, investment-related costs, leverage expenses, extraordinary expenses, and Acquired Fund Fees and Expenses. This limitation is subject to possible recoupment by the adviser within 36 months of the waiver or reimbursement. Termination or modification of this obligation requires approval by the Portfolio's board. 
(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. 

 The chart shows the performance for each investment option for the time periods shown. 



Creation Date: Saturday, May 21, 2022

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 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.