PLANADVISER - July/August 2018 - 5

Participant Focused Glide Path
*
Multi-Manager Investments
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Active & Passive Strategies
Masterfully blended investment
strategies that make a difference
Selecting the right investments can be a complicated decision. Voya Target Retirement Funds utilize a
strategic combination of participant focused glide path, multi-manager investments, and an intelligent mix
of active and passive strategies. We've designed a well-blended target date solution to help simplify the
complexity of retirement investing.
A reliable partner committed to reliable investing.®
See the difference Voya Target Retirement Funds can make for your clients and their
participants by contacting a Voya Investment Management Representative or visiting
www.voyainvestments.com/targetdate.
voyainvestments.com
INVESTMENT MANAGEMENT
There is no guarantee that any investment option will achieve its stated objective. Principal value fluctuates and there is no guarantee of value at any time, including the target date.
Stocks are more volatile than bonds, and portfolios with a higher concentration of stocks are more likely to experience greater fluctuations in value than portfolios with a higher
concentration in bonds. Foreign stocks and small- and mid-cap stocks may be more volatile than large-cap stocks. Investing in bonds also, entails credit risk and interest rate risk.
Generally investors with longer timeframes can consider assuming more risk in their investment portfolio. As with any portfolio, you could lose money on your investment in a
Voya Target Retirement Fund. Diversification cannot assure a profit or protect against loss in a declining market.
The " target date " is the approximate date when an investor plans to start withdrawing their money. When their target date is reached, they may have more or less than the original
amount invested. For each target-date portfolio, until the day prior to its target date, the portfolio will seek to provide total returns consistent with an asset allocation targeted for
an investor who is retiring in approximately each portfolio's designated target year. On the target date, the portfolio will seek to provide a combination of total return and stability
of principal.
An investor should consider the investment objectives, risks, charges and expenses of the Fund(s) carefully before investing. For a free copy of the Fund's
prospectus, or summary prospectus, which contains this and other information, visit us at www.voyainvestments.com or call (800) 992-0180. Please read
the prospectus carefully before investing.
©2018 Voya Investments Distributor, LLC, 230 Park Ave, New York, NY 10169. IM0510-42152-0519

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PLANADVISER - July/August 2018

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