Investment Performance

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Variable annuities are long-term investment vehicles designed for retirement purposes which allow you to allocate contributions among variable investment options that have the potential to grow tax-deferred with an option to receive a stream of income at a later date. Early withdrawals from variable annuities may be subject to surrender charges, and if taken prior to age 59 1/2, a 10% IRS penalty may apply. Withdrawals will also reduce the applicable death benefit and cash surrender value/account value.

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 of 0.90% 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.

Depending upon the type of contract in which you participate, you have either received prospectuses and/or prospectus summaries for the separate account and the funds. You should consider the investment objectives, risks and charges, and expenses of the variable product and its underlying fund options carefully before investing. The prospectus contains this and other information. Anyone who wishes to obtain a free copy of the separate account and/or fund prospectuses may call their Voya representative or the number above. Please read the prospectus or prospectus summaries 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. The fund inception date indicates the inception date of the underlying investment portfolio, which may precede the portfolio's inclusion in the product.
Investment Options Asset Class 1 - Mo 3 - Mo YTD 1 - Yr 3 - Yr 5 - Yr 10 - Yr Incept Fund Inception Date Gross Fund Exp %* Net Fund Exp %*
Voya Government Money Market Portfolio - Class I - 003 (2) Stability of Principal 0.35 1.01 1.01 4.06 1.56 0.91 0.30 01/01/1980
Voya Fixed Plus Account II (4568) - 4568 (1)(3) Stability of Principal 0.25 0.74 0.74 3.01 3.00 3.00 3.00
Voya Global Bond Portfolio - Initial Class - 422 Bonds 0.67 -1.78 -1.78 0.90 -6.06 -2.23 -0.68 11/08/2004
Voya Intermediate Bond Portfolio - Class I - 004 Bonds 0.96 -0.24 -0.24 3.10 -3.02 -0.09 1.18 05/23/1973
Voya Balanced Portfolio - Class I - 008 Balanced 2.36 5.24 5.24 15.01 3.21 6.35 5.29 04/03/1989
VY® T. Rowe Price Capital Appreciation Portfolio - Service - 788 Balanced 1.83 4.87 4.87 16.19 6.64 10.20 9.56 01/24/1989
Invesco V.I. Core Equity Fund - Series I - 079 Large Cap Value/Blend 3.39 11.02 11.02 26.75 7.89 11.60 7.64 05/02/1994
Neuberger Berman Sustainable Equity Fund - Trust Class - 1120 Large Cap Value/Blend 3.33 12.22 12.22 33.12 8.89 12.78 10.04 03/16/1994
Voya U.S. Stock Index Portfolio - Institutional Class - 829 Large Cap Value/Blend 3.13 10.21 10.21 28.34 10.19 13.71 11.64 05/03/2004
Fidelity® VIP Equity-Income Portfolio - Initial Class - 108 Large Cap Value/Blend 4.87 8.84 8.84 18.97 8.49 10.72 8.30 10/09/1986
American Funds The Growth Fund of America® - Class R-4 - 572 Large Cap Growth 3.04 12.30 12.30 37.62 6.61 13.60 12.03 12/01/1973
Fidelity® VIP Contrafund Portfolio - Initial Class - 133 Large Cap Growth 3.27 16.64 16.64 41.28 11.86 16.05 12.14 01/03/1995
VY® T. Rowe Price Growth Equity Portfolio - Initial Class - 111 Large Cap Growth 1.72 12.12 12.12 40.17 3.73 11.66 12.15 11/28/1997
Voya Index Plus MidCap Portfolio - Class I - 053 Small/Mid/Specialty 5.89 10.33 10.33 24.20 6.89 10.20 8.00 12/16/1997
Voya MidCap Opportunities Portfolio - Class I - 081 Small/Mid/Specialty 1.19 9.97 9.97 26.37 3.56 11.66 10.03 05/05/2000
VY® Baron Growth Portfolio - Service Class - 436 Small/Mid/Specialty 2.23 5.40 5.40 11.31 2.54 10.31 9.49 05/01/2002
Wanger Acorn - 821 Small/Mid/Specialty 3.55 9.29 9.29 19.98 -3.82 5.18 7.12 05/03/1995
Voya Small Company Portfolio - Class I - 042 Small/Mid/Specialty 3.24 0.97 0.97 13.91 0.12 6.21 6.04 12/27/1996
American Funds EuroPacific Growth Fund® - Class R-4 - 573 Global / International 3.53 7.11 7.11 12.07 -1.40 5.58 4.27 04/16/1984
Voya Global Insights Portfolio - Initial Class - 432 Global / International 4.38 3.93 3.93 20.22 1.51 8.38 7.69 05/01/2002

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 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 of 0.90% 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.

Returns less than one year are not annualized. VAA Inception Date is the date on which contributions were first received in this fund under the Variable Annuity Account, and is the date used in calculating the periodic returns.
Investment Options Asset Class 1 - Mo 3 - Mo YTD 1 - Yr 3 - Yr 5 - Yr 10 - Yr Incept Fund Inception Date Gross Fund Exp %* Net Fund Exp %*
Voya Government Money Market Portfolio - Class I - 003 (2) Stability of Principal 0.35 1.01 1.01 4.06 1.56 0.91 0.30 02/29/1996
Voya Global Bond Portfolio - Initial Class - 422 Bonds 0.67 -1.78 -1.78 0.90 -6.06 -2.23 -0.68 03/30/2005
Voya Intermediate Bond Portfolio - Class I - 004 Bonds 0.96 -0.24 -0.24 3.10 -3.02 -0.09 1.18 01/31/1996
Voya Balanced Portfolio - Class I - 008 Balanced 2.36 5.24 5.24 15.01 3.21 6.35 5.29 02/29/1996
VY® T. Rowe Price Capital Appreciation Portfolio - Service - 788 Balanced 1.83 4.87 4.87 16.19 6.64 10.20 9.56 05/25/2010
Invesco V.I. Core Equity Fund - Series I - 079 Large Cap Value/Blend 3.39 11.02 11.02 26.75 7.89 11.60 7.64 10/12/2000
Neuberger Berman Sustainable Equity Fund - Trust Class - 1120 Large Cap Value/Blend 3.33 12.22 12.22 33.12 8.89 12.78 10.04 06/04/2010
Voya U.S. Stock Index Portfolio - Institutional Class - 829 Large Cap Value/Blend 3.13 10.21 10.21 28.34 10.19 13.71 11.64 05/03/2004
Fidelity® VIP Equity-Income Portfolio - Initial Class - 108 Large Cap Value/Blend 4.87 8.84 8.84 18.97 8.49 10.72 8.30 01/31/1996
American Funds The Growth Fund of America® - Class R-4 - 572 Large Cap Growth 3.04 12.30 12.30 37.62 6.61 13.60 12.03 05/03/2004
Fidelity® VIP Contrafund Portfolio - Initial Class - 133 Large Cap Growth 3.27 16.64 16.64 41.28 11.86 16.05 12.14 03/29/1996
VY® T. Rowe Price Growth Equity Portfolio - Initial Class - 111 Large Cap Growth 1.72 12.12 12.12 40.17 3.73 11.66 12.15 11/28/1997
Voya Index Plus MidCap Portfolio - Class I - 053 Small/Mid/Specialty 5.89 10.33 10.33 24.20 6.89 10.20 8.00 05/04/1998
Voya MidCap Opportunities Portfolio - Class I - 081 Small/Mid/Specialty 1.19 9.97 9.97 26.37 3.56 11.66 10.03 03/22/2013
VY® Baron Growth Portfolio - Service Class - 436 Small/Mid/Specialty 2.23 5.40 5.40 11.31 2.54 10.31 9.49 09/27/2006
Wanger Acorn - 821 Small/Mid/Specialty 3.55 9.29 9.29 19.98 -3.82 5.18 7.12 05/03/2004
Voya Small Company Portfolio - Class I - 042 Small/Mid/Specialty 3.24 0.97 0.97 13.91 0.12 6.21 6.04 05/30/1997
American Funds EuroPacific Growth Fund® - Class R-4 - 573 Global / International 3.53 7.11 7.11 12.07 -1.40 5.58 4.27 05/03/2004
Voya Global Insights Portfolio - Initial Class - 432 Global / International 4.38 3.93 3.93 20.22 1.51 8.38 7.69 03/30/2005

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.

(1) The current rate for the Voya Fixed Plus Account II (4568) MC 945, Fund 4568 is 3.00%, 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 3.00% through 12/31/2024. 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. Guarantees are based on the claims-paying ability of Voya Retirement Insurance and Annuity Company.

(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) The Investment Option is not part of the Separate Account. The returns listed do not include the impact of contract charges. Please refer to the contract to determine which Fixed Interest Options are available for your specific plan.

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

Read the prospectuses carefully before you invest or send money. Please note that this product is not offered in the States of New York and Oregon.