Investment Performance

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PERFORMANCE UPDATE  
 
TRSL ORP  
 
Average Annual Total Returns as of 01/31/2018    (shown in percentages)  

 Mutual funds offered through a retirement plan are investments designed for retirement purposes.  Early withdrawals will reduce your account value and if taken prior to age 59 1/2, a 10% IRS penalty may apply. 

 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.  

 An annual administrative expense of 0.30% on an annual basis applies to all of the investments listed below and is deducted quarterly excluding the Voya Stable Value Fund. The performance data shown below does not reflect the administrative expense. If such fees had been reflected, the performance data shown for each option would have been lower. 

 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 
Voya Stable Value Fund 50 CIT - 1317 (1)0.130.400.131.471.351.332.0704/30/20080.50 0.50  
Bonds   
   Corporate Bond 
Vanguard® Long-Term Investment-Grade Fund - Admiral™ Share - 6985 -2.010.55-2.019.413.105.587.6702/12/20010.11 0.11  
   High Yield Bond 
Prudential High Yield Fund - Class Q - 6589 0.890.830.897.306.865.907.8003/01/19960.41 0.41  
   Inflation-Protected Bond 
DFA Inflation-Protected Securities Portfolio - Inst Class - 3223 -1.19-0.23-1.190.930.60-0.073.1609/18/20060.12 0.12  
   Intermediate-Term Bond 
Vanguard® Intermediate-Term Bond Index Fund - Admiral™ Sh - 3309 -1.54-1.61-1.541.851.022.114.5603/01/19940.07 0.07  
William Blair Bond Fund - Institutional Class Shares - 3525 (2)-0.65-0.04-0.653.362.242.594.7905/01/20070.37 0.35  
   Short-Term Bond 
Vanguard® Short-Term Bond Index Fund - Admiral™ Shares - 3314 -0.52-0.81-0.520.420.670.912.1311/12/20010.07 0.07  
Asset Allocation   
   Lifecycle - Index 
Vanguard® Target Retirement 2015 Fund - Investor Shares - 791 (3)1.763.481.7612.086.217.115.8010/27/20030.13 0.13  
Vanguard® Target Retirement 2020 Fund - Investor Shares - 1296 (3)2.524.662.5215.207.608.446.3306/07/20060.13 0.13  
Vanguard® Target Retirement 2025 Fund - Investor Shares - 926 (3)3.035.513.0317.448.609.326.6310/27/20030.14 0.14  
Vanguard® Target Retirement 2030 Fund - Investor Shares - 1297 (3)3.546.253.5419.359.4210.116.8806/07/20060.14 0.14  
Vanguard® Target Retirement 2035 Fund - Investor Shares - 793 (3)4.017.014.0121.3010.2810.897.2310/27/20030.14 0.14  
Vanguard® Target Retirement 2040 Fund - Investor Shares - 1298 (3)4.507.744.5023.2511.0711.517.5906/07/20060.15 0.15  
Vanguard® Target Retirement 2045 Fund - Investor Shares - 794 (3)4.768.184.7624.1711.4411.737.6910/27/20030.15 0.15  
Vanguard® Target Retirement 2050 Fund - Investor Shares - 1299 (3)4.788.154.7824.1711.4211.737.6906/07/20060.15 0.15  
Vanguard® Target Retirement 2055 Fund - Investor Shares - 2473 (3)4.778.174.7724.1811.3611.7012.6908/18/20100.15 0.15  
Vanguard® Target Retirement 2060 Fund - Investor Shares - 3447 (3)4.768.174.7624.1811.3711.7112.2401/19/20120.15 0.15  
Vanguard® Target Retirement Income Fund - Investor Shares - 795 (3)1.112.321.118.744.574.965.0710/27/20030.13 0.13  
Large Cap Value   
   Large Blend 
DFA U.S. Large Company Portfolio - Institutional Class - 3737 5.7510.155.7526.3314.6215.849.7809/23/19990.08 0.08  
TIAA-CREF Social Choice Equity Fund - Institutional Class - 1224 (4)5.429.615.4225.1313.4814.699.6207/01/19990.19 0.19  
Vanguard® 500 Index Fund - Admiral™ Shares - 899 5.7210.175.7226.3614.6215.879.7711/13/20000.04 0.04  
   Large Value 
American Funds Washington Mutual Investors FundSM - R-6 - 1990 5.179.965.1725.0314.2515.369.3907/31/19520.30 0.30  
Large Cap Growth   
   Large Growth 
American Funds AMCAP Fund® - Class R-6 - 1949 7.2310.627.2326.9713.8216.2916.7605/01/20090.36 0.36  
Small/Mid/Specialty   
   Mid-Cap Blend 
DFA U.S. Core Equity 2 Portfolio - Institutional Class - 3226 4.509.444.5022.4513.3614.759.8609/15/20050.22 0.22  
   Small Growth 
Vanguard® Explorer™ Fund - Admiral™ Shares - 828 4.789.184.7825.2912.7314.3810.4511/12/20010.34 0.34  
   Small Value 
DFA U.S. Targeted Value Portfolio - Institutional Class - 2566 2.055.882.0511.6511.8213.0210.0402/23/20000.37 0.37  
   Specialty - Global Real Estate 
DFA Global Real Estate Securities Portfolio - Inst Class - 3484 (5)-1.003.15-1.007.803.137.116.6306/04/20080.38 0.24  
Global / International   
   Diversified Emerging Mkts 
DFA Emerging Markets Portfolio - Institutional Class - 1911 (6)7.5211.497.5238.5511.255.594.2204/25/19940.58 0.48  
   Foreign Large Blend 
Vanguard® Total International Stock Index Fund - Admiral™ - 9889 5.578.625.5729.5610.447.583.3904/29/19960.11 0.11  
   Foreign Large Growth 
American Funds EuroPacific Growth Fund® - Class R-6 - 1723 6.137.326.1333.2911.479.705.3404/16/19840.50 0.50  
 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. 



PERFORMANCE UPDATE  
 
TRSL ORP  
 
Average Annual Total Returns as of 12/31/2017    (shown in percentages)  

 Mutual funds offered through a retirement plan are investments designed for retirement purposes.  Early withdrawals will reduce your account value and if taken prior to age 59 1/2, a 10% IRS penalty may apply. 

 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.  

 An annual administrative expense of 0.30% on an annual basis applies to all of the investments listed below and is deducted quarterly excluding the Voya Stable Value Fund. The performance data shown below does not reflect the administrative expense. If such fees had been reflected, the performance data shown for each option would have been lower. 

 The returns 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.  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 
Voya Stable Value Fund 50 CIT - 1317 (1)0.140.391.441.441.341.332.0704/30/20080.50 0.50  
Bonds   
   Corporate Bond 
Vanguard® Long-Term Investment-Grade Fund - Admiral™ Share - 6985 2.183.3612.0612.065.795.707.9002/12/20010.11 0.11  
   High Yield Bond 
Prudential High Yield Fund - Class Q - 6589 0.350.467.737.736.635.987.5403/01/19960.41 0.41  
   Inflation-Protected Bond 
DFA Inflation-Protected Securities Portfolio - Inst Class - 3223 0.971.233.283.282.210.033.7209/18/20060.12 0.12  
   Intermediate-Term Bond 
Vanguard® Intermediate-Term Bond Index Fund - Admiral™ Sh - 3309 0.320.063.853.852.652.244.9903/01/19940.07 0.07  
William Blair Bond Fund - Institutional Class Shares - 3525 (2)0.540.744.244.242.942.625.0605/01/20070.37 0.35  
   Short-Term Bond 
Vanguard® Short-Term Bond Index Fund - Admiral™ Shares - 3314 0.05-0.331.181.181.201.002.3911/12/20010.07 0.07  
Asset Allocation   
   Lifecycle - Index 
Vanguard® Target Retirement 2015 Fund - Investor Shares - 791 (3)0.812.7311.5011.505.627.255.2310/27/20030.13 0.13  
Vanguard® Target Retirement 2020 Fund - Investor Shares - 1296 (3)0.943.3614.0814.086.618.505.6106/07/20060.13 0.13  
Vanguard® Target Retirement 2025 Fund - Investor Shares - 926 (3)1.053.8715.9415.947.319.365.7910/27/20030.14 0.14  
Vanguard® Target Retirement 2030 Fund - Investor Shares - 1297 (3)1.114.2117.5217.527.8510.135.9206/07/20060.14 0.14  
Vanguard® Target Retirement 2035 Fund - Investor Shares - 793 (3)1.214.6219.1219.128.3910.906.1810/27/20030.14 0.14  
Vanguard® Target Retirement 2040 Fund - Investor Shares - 1298 (3)1.275.0020.7120.718.9111.476.4906/07/20060.15 0.15  
Vanguard® Target Retirement 2045 Fund - Investor Shares - 794 (3)1.315.2221.4221.429.1711.646.5610/27/20030.15 0.15  
Vanguard® Target Retirement 2050 Fund - Investor Shares - 1299 (3)1.295.1921.3921.399.1611.636.5606/07/20060.15 0.15  
Vanguard® Target Retirement 2055 Fund - Investor Shares - 2473 (3)1.315.1821.3821.389.1111.6012.1408/18/20100.15 0.15  
Vanguard® Target Retirement 2060 Fund - Investor Shares - 3447 (3)1.335.2021.3921.399.1111.6011.5501/19/20120.15 0.15  
Vanguard® Target Retirement Income Fund - Investor Shares - 795 (3)0.612.038.478.474.464.954.9110/27/20030.13 0.13  
Large Cap Value   
   Large Blend 
DFA U.S. Large Company Portfolio - Institutional Class - 3737 1.096.6121.7321.7311.3615.728.4909/23/19990.08 0.08  
TIAA-CREF Social Choice Equity Fund - Institutional Class - 1224 (4)1.136.1920.9320.9310.2414.898.3807/01/19990.19 0.19  
Vanguard® 500 Index Fund - Admiral™ Shares - 899 1.116.6421.7921.7911.3815.758.4911/13/20000.04 0.04  
   Large Value 
American Funds Washington Mutual Investors FundSM - R-6 - 1990 1.666.5220.5420.5411.1315.178.3307/31/19520.30 0.30  
Large Cap Growth   
   Large Growth 
American Funds AMCAP Fund® - Class R-6 - 1949 0.936.0622.4122.4110.6215.8816.0005/01/20090.36 0.36  
Small/Mid/Specialty   
   Mid-Cap Blend 
DFA U.S. Core Equity 2 Portfolio - Institutional Class - 3226 1.246.6618.9418.9410.3615.148.8009/15/20050.22 0.22  
   Small Growth 
Vanguard® Explorer™ Fund - Admiral™ Shares - 828 0.936.0223.1023.109.8714.828.9111/12/20010.34 0.34  
   Small Value 
DFA U.S. Targeted Value Portfolio - Institutional Class - 2566 0.604.509.599.599.4414.059.2802/23/20000.37 0.37  
   Specialty - Global Real Estate 
DFA Global Real Estate Securities Portfolio - Inst Class - 3484 (5)1.043.729.209.205.427.926.8006/04/20080.38 0.24  
Global / International   
   Diversified Emerging Mkts 
DFA Emerging Markets Portfolio - Institutional Class - 1911 (6)3.387.2236.5736.578.834.182.5304/25/19940.58 0.48  
   Foreign Large Blend 
Vanguard® Total International Stock Index Fund - Admiral™ - 9889 2.074.8827.5527.558.537.121.9204/29/19960.11 0.11  
   Foreign Large Growth 
American Funds EuroPacific Growth Fund® - Class R-6 - 1723 1.114.2331.1731.179.669.213.9004/16/19840.50 0.50  
 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 Stable Value Fund is a group collective investment trust that holds a diversified portfolio of stable value products.  The fund is not insured by the FDIC or any bank or governmental agency and fund performance is not guaranteed.  The fund is not a mutual fund and interests in the fund have not been registered with the Securities and Exchange Commission.  While the fund seeks to provide safety of principal, it is possible to lose money by investing in the fund. 

(2) William Blair Bond Fund - Institutional Class Shares: The Adviser has entered into a contractual agreement with the Fund to waive fees and/or reimburse expenses in order to limit the Fund's operating expenses (excluding interest expenses, taxes, brokerage commissions, acquired fund fees and expenses, other investment-related costs and extraordinary expenses, such as litigation and other expenses not incurred in the ordinary course of the Fund's business) to 0.35% of average daily net assets until April 30, 2018. The Adviser may not terminate this arrangement prior to April 30, 2018 unless the management agreement is terminated. 


(3) 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. 
(4) TIAA-CREF Social Choice Equity Fund - Institutional Class: Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, Inc., has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired fund fees and expenses and extraordinary expenses) that exceed 0.22% of average daily net assets of the Fund. This expense reimbursement arrangement will continue through at least February 28, 2017, unless changed with approval of the Board of Trustees.
 

(5) DFA Global Real Estate Securities Portfolio - Institutional Class: Dimensional Fund Advisors LP (the "Advisor") has agreed to waive certain fees and in certain instances, assume certain expenses of the Portfolio. The Fee Waiver and Expense Assumption Agreement for the Portfolio will remain in effect through February 28, 2018, and may only be terminated by the Fund's Board of Directors prior to that date. Under certain circumstances, the Advisor retains the right to seek reimbursement for any fees previously waived and/or expenses previously assumed up to thirty-six months after such fee waiver and/or expense assumption. 

(6) DFA Emerging Markets Portfolio - Institutional Class: The "Management Fee" includes an investment management fee payable by the Feeder Portfolio and an investment management fee payable by the Master Fund. For any period when the Feeder Portfolio is invested in other funds managed by Dimensional Fund Advisors LP (the "Advisor") (collectively, "Underlying Funds"), the Advisor has contractually agreed to permanently waive the Feeder Portfolio's direct investment management fee to the extent necessary to offset the proportionate share of any Underlying Fund's investment management fee paid by the Feeder Portfolio through its investment in such Underlying Fund. The amounts set forth under "Other Expenses" and "Total Annual Fund Operating Expenses" reflect the direct expenses of the Feeder Portfolio and the indirect expenses of the Feeder Portfolio's portion of the expenses of the Master Fund. The "Management Fee" and "Total Annual Fund Operating Expenses" have been adjusted to reflect the decrease in the investment management fee payable by the Feeder Portfolio from 0.50% to 0.42% effective as of February 28, 2017. 
 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. 

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



Creation Date: Saturday, February 17, 2018

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. CN-0315-13077-0417