PERFORMANCE UPDATE Voya Retirement Insurance and Annuity Company DELTA STATE Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 12/31/2014 (shown in percentages) Variable annuities and funding agreements 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. 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 monthend performance which may be lower or higher than the performance data shown please call 800-525-4225. 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 0.65% 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 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr 10-Yr Money Market Voya Money Market Portfolio - Class I - 003 (2) -0.06 -0.16 -0.63 -0.63 -0.63 The 7-day annualized Subaccount yield as of 12/31/2014 is -0.65%, which more closely reflects current earnings. (5) -0.58 0.96 Stability of Principal Voya Fixed Plus Account II - 039 (1)(4) This fund is not part of the product's separate account. Incept Fund Inception Date Stability of Principal 01/01/1980 0.25 0.75 3.00 3.00 3.00 3.00 3.30 Intermediate-Term Bond Voya Intermediate Bond Portfolio - Class I - 004 -0.23 1.18 5.98 5.98 4.56 5.91 4.13 05/23/1973 World Bond Voya Global Bond-Int / Janus Aspen Flexible Inc-Inst (3) Voya Global Bond Portfolio - Initial Class - 422 -1.85 -1.85 -1.86 -1.86 -0.23 -0.23 -0.23 -0.23 0.67 0.67 3.88 3.88 3.78 3.67 09/13/1993 11/08/2004 -0.92 3.67 8.89 8.89 11.91 10.15 4.78 09/02/1986 Bonds Balanced Moderate Allocation Calvert VP SRI Balanced Portfolio - 101 Page 1 of 5 See Performance Introduction Page for Important Information Incept Fund Inception Date Investment Options 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr 10-Yr Voya Balanced Portfolio - Class I - 008 VY Inv Eqty & Inc Port I/Janus Asp Balanced I (3) VY® Invesco Equity and Income Portfolio - Initial Class - 452 -1.07 0.22 0.22 1.65 1.88 1.88 5.53 8.25 8.25 5.53 8.25 8.25 11.37 14.62 14.62 8.96 10.56 10.56 4.43 6.41 6.60 04/03/1989 09/13/1993 12/10/2001 Large Blend Invesco V.I. Core Equity Fund - Series I Shares - 079 Voya Growth and Income Portfolio - Class I - 001 Voya Index Plus LargeCap Portfolio - Class I - 035 -0.88 -0.87 -0.50 0.97 2.81 3.90 7.45 10.00 13.12 7.45 10.00 13.12 16.00 17.99 19.32 11.03 13.04 13.81 6.88 6.77 6.13 05/02/1994 12/31/1979 09/16/1996 Large Value Fidelity VIP Equity-Income Portfolio - Initial Class - 108 VY® Invesco Comstock Portfolio - Service Class - 437 -0.70 0.11 1.72 1.83 8.01 8.43 8.01 8.43 17.03 19.68 12.96 13.79 5.56 5.85 10/09/1986 05/01/2002 -0.39 -1.22 -1.64 -1.09 -1.54 3.67 1.20 2.49 5.02 4.15 11.22 10.58 7.74 12.88 7.98 11.22 10.58 7.74 12.88 7.98 18.83 19.50 19.20 19.89 20.85 13.61 15.95 13.46 14.84 15.03 8.18 7.04 7.19 9.46 7.85 01/03/1995 10/09/1986 07/03/1995 05/03/2004 11/28/1997 Mid-Cap Blend Voya Index Plus MidCap Portfolio - Class I - 053 0.47 5.32 8.85 8.85 19.39 15.15 7.53 12/16/1997 Mid-Cap Growth VY T.Rowe Price Div MidCap-I/Janus Aspen MidCap - I (3) VY® T. Rowe Price Diversified Mid Cap Growth Port - Initial - 449 0.01 0.01 6.85 6.85 11.10 11.10 11.10 11.10 19.85 19.85 16.03 16.03 8.71 8.63 09/13/1993 12/10/2001 Foreign Large Blend Fidelity VIP Overseas Portfolio - Initial Class - 107 -3.23 -2.64 -8.67 -8.67 12.39 5.60 4.08 01/28/1987 Foreign Large Value VY® Templeton Foreign Equity Portfolio - Initial Class - 1586 -3.35 -4.75 -7.20 -7.20 9.42 4.38 World Stock VY Oppenheimer Global-Int/Janus Aspen Worldwide Gr-Inst (3) VY® Oppenheimer Global Portfolio - Initial Class - 432 -2.89 -2.89 -0.48 -0.48 1.66 1.66 1.66 1.66 15.79 15.79 10.32 10.32 Large Cap Value Large Cap Growth Large Growth Fidelity VIP Contrafund Portfolio - Initial Class - 133 Fidelity VIP Growth Portfolio - Initial Class - 109 Invesco V.I. American Franchise Fund - Series I Shares - 3384 Voya Large Cap Growth Portfolio - Institutional Class - 742 VY® T. Rowe Price Growth Equity Portfolio - Initial Class - 111 Small/Mid/Specialty Global / International 3.21 6.86 6.52 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. Page 2 of 5 01/03/2006 09/13/1993 05/01/2002 PERFORMANCE UPDATE Voya Retirement Insurance and Annuity Company DELTA STATE Variable Annuity Account C, Standardized Returns Average Annual Total Returns as of: 12/31/2014 (shown in percentages) The performance data quoted represents past performance. Past performance does not guarantee future results. For monthend performance which may be lower or higher than the performance data shown please call 800-525-4225. 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 0.65% 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 1-Mo 3-Mo YTD 1-Yr Incept VAA Inception Date 3-Yr 5-Yr 10-Yr Money Market Voya Money Market Portfolio - Class I - 003 (2) -0.06 -0.16 -0.63 -0.63 -0.63 The 7-day annualized Subaccount yield as of 12/31/2014 is -0.65%, which more closely reflects current earnings. (5) -0.58 0.96 09/30/1975 05/31/1978 Stability of Principal Bonds Intermediate-Term Bond Voya Intermediate Bond Portfolio - Class I - 004 -0.23 1.18 5.98 5.98 4.56 5.91 4.13 World Bond Voya Global Bond-Int / Janus Aspen Flexible Inc-Inst (3) Voya Global Bond Portfolio - Initial Class - 422 -1.85 -1.85 -1.86 -1.86 -0.23 -0.23 -0.23 -0.23 0.67 0.67 3.88 3.88 3.78 -0.92 -1.07 0.22 0.22 3.67 1.65 1.88 1.88 8.89 5.53 8.25 8.25 8.89 5.53 8.25 8.25 11.91 11.37 14.62 14.62 10.15 8.96 10.56 10.56 4.78 4.43 6.41 Large Blend Invesco V.I. Core Equity Fund - Series I Shares - 079 Voya Growth and Income Portfolio - Class I - 001 Voya Index Plus LargeCap Portfolio - Class I - 035 -0.88 -0.87 -0.50 0.97 2.81 3.90 7.45 10.00 13.12 7.45 10.00 13.12 16.00 17.99 19.32 11.03 13.04 13.81 6.88 6.77 6.13 05/10/1999 05/01/1975 10/31/1996 Large Value Fidelity VIP Equity-Income Portfolio - Initial Class - 108 VY® Invesco Comstock Portfolio - Service Class - 437 -0.70 0.11 1.72 1.83 8.01 8.43 8.01 8.43 17.03 19.68 12.96 13.79 5.56 5.85 05/31/1994 05/06/2002 -0.39 -1.22 3.67 1.20 11.22 10.58 11.22 10.58 18.83 19.50 13.61 15.95 8.18 7.04 05/31/1995 05/31/1994 3.92 10/31/1994 03/23/2005 6.87 05/31/1989 04/03/1989 06/30/1995 03/22/2005 Balanced Moderate Allocation Calvert VP SRI Balanced Portfolio - 101 Voya Balanced Portfolio - Class I - 008 VY Inv Eqty & Inc Port I/Janus Asp Balanced I (3) VY® Invesco Equity and Income Portfolio - Initial Class - 452 Large Cap Value Large Cap Growth Large Growth Fidelity VIP Contrafund Portfolio - Initial Class - 133 Fidelity VIP Growth Portfolio - Initial Class - 109 Page 3 of 5 See Performance Introduction Page for Important Information 3-Yr 5-Yr 10-Yr Incept VAA Inception Date Investment Options 1-Mo 3-Mo YTD 1-Yr Invesco V.I. American Franchise Fund - Series I Shares - 3384 Voya Large Cap Growth Portfolio - Institutional Class - 742 VY® T. Rowe Price Growth Equity Portfolio - Initial Class - 111 -1.64 -1.09 -1.54 2.49 5.02 4.15 7.74 12.88 7.98 7.74 12.88 7.98 19.89 20.85 15.03 7.85 04/27/2012 06/18/2010 11/28/1997 Mid-Cap Blend Voya Index Plus MidCap Portfolio - Class I - 053 0.47 5.32 8.85 8.85 19.39 15.15 7.53 05/04/1998 Mid-Cap Growth VY T.Rowe Price Div MidCap-I/Janus Aspen MidCap - I (3) VY® T. Rowe Price Diversified Mid Cap Growth Port - Initial - 449 0.01 0.01 6.85 6.85 11.10 11.10 11.10 11.10 19.85 19.85 16.03 16.03 8.71 8.63 06/30/1994 12/26/2002 Foreign Large Blend Fidelity VIP Overseas Portfolio - Initial Class - 107 -3.23 -2.64 -8.67 -8.67 12.39 5.60 4.08 05/31/1994 Foreign Large Value VY® Templeton Foreign Equity Portfolio - Initial Class - 1586 -3.35 -4.75 -7.20 -7.20 9.42 4.38 World Stock VY Oppenheimer Global-Int/Janus Aspen Worldwide Gr-Inst (3) VY® Oppenheimer Global Portfolio - Initial Class - 432 -2.89 -2.89 -0.48 -0.48 1.66 1.66 1.66 1.66 15.79 15.79 10.32 10.32 15.07 17.07 Small/Mid/Specialty Global / International 0.09 04/25/2008 7.10 05/31/1995 03/22/2005 6.86 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. Additional Notes (1)The CURRENT rate for the Voya Fixed Plus Account II Large Case is 3.00%, expressed as an annual effective yield, and is guaranteed not to drop below 3.00% through 12/31/2015. The annual rate of interest applied to your account may be higher or lower than the current rate. Restrictions may apply to transfers of funds from the Fixed Account to other contract investment options. Please refer to your product prospectus / disclosure booklet and call your 800 number for more information. (2)An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund. (3)The latter fund listed was replaced with the applicable Voya Investment Trust Co. Portfolio (the first fund listed). For most customers this occurred after the close of business on April 15, 2005. The performance shown is based on the performance of the replaced fund until April 15, 2005, and the performance of the applicable Voya Investment Trust Co. Portfolio after that date. The replaced fund may not have been available under all contracts. This replacement may have occurred for some customers on April 8, 2005. (4)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. The CURRENT rate for the Voya Short Term Guaranteed Accumulation Account is 3.00%, expressed as an annual effective yield, and is guaranteed between 01/01/2015 and 01/31/2018. Deposits received from 01/01/2015 through 01/30/2015 will receive this rate of interest. The annual rate of interest applied to your account may be higher or lower than the current rate. For more information regarding the GAA rates and terms, call 1-800-GAA-FUND. (5)The current yield reflects the deduction of all charges that are deducted from the total return quotations shown. 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 Page 4 of 5 See Performance Introduction Page for Important Information Additional Notes offered through Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. Creation Date: Friday, January 02, 2015 Page 5 of 5
© Copyright 2025 ExpyDoc