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You should consider the investment objectives, risks, and charges and expenses of the variable product and its underlying fund options as well as mutual funds offered through a retirement plan before investing. The prospectuses/ prospectus summaries containing this and other information can be obtained by contacting your local representative. Please read the information carefully before investing.
The Voya Fixed Account is available through an annuity contract issued by Voya Retirement Insurance and Annuity Company (“VRIAC”). The Voya Fixed Account is an obligation of VRIAC’s general account which supports all of the company's insurance and annuity commitments. The interest rate guarantees under the contract are subject to VRIAC’s claims-paying ability.
The principal value of the Retirement Funds is not guaranteed at any time, including at or after the target date, which is the appropriate date when investors turn age 65. The funds invest in a broad range of underlying mutual funds that include, bonds, and short-term investments and are subject to the risks of different areas of the market. The funds maintain a substantial allocation to the equities both prior to and after the target date, which can result in greater volatility.