Class A: VTROX
Class I: IRSQX
Class R6: VTRPX
A Target Date Choice to Keep
Retirement Goals on Track
Voya Target Retirement 2050 Fund
Voya’s Target Retirement Funds are designed to specifically balance the evolving risk-return profiles of participants as they age to maximize the probability of a successful retirement.
The Voya Target Retirement 2050 Fund Offers
A Portfolio that Adjusts as Participants' Careers Progress
Voya Target Retirement Funds maximize asset accumulation in the early years of participants’ careers, taking aggressive equity positions. The portfolios shift emphasis to asset protection in later years, reducing risk and ultimately reaching their most conservative equity allocation of 35% at retirement to help investors hold onto what they have accumulated in a lifetime of saving.
The Voya Difference
A holistic retirement solution
Voya Target Retirement Funds are designed to simplify retirement investing, with an all-in-one, fully managed portfolio that evolves with investors’ needs.
A sophisticated glide path design
Our experienced team of over 25 investment professionals systematically adjusts the portfolios’ strategic exposures as participants move through their careers, including tactical adjustments to manage risks in changing in market conditions.
A Multi-Manager Approach with a Blend of Active and Passive
Voya chooses from among the top managers across asset classes to create diversified portfolios based on a participant’s retirement date and risk profile, utilizing both active and passive management styles.
Meet the Managers
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.
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.
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.