VEBA Federated Performance

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PERFORMANCE UPDATE  
Voya Retirement Insurance and Annuity Company  
CITY OF SAN JOSE  
Separate Account D  
Average Annual Total Returns as of 05/31/2022    (shown in percentages)  

 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 800-525-4225.  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.  


 The performance numbers listed below reflect the total Separate Account charges associated with each investment option including a 0.20% a daily asset charge which is assed against all funds except the Voya Fixed Account.  These performance figures also assume the reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses.  
In addition to the daily asset charge which is noted above, participant accounts are also assessed a $2.00 account fee per month by TASC for their administrative services on your VEBA account.  These fees are assessed by TASC for its account administration services and are not reflected in the performance figures listed below.  For further details on these fees, please contact TASC at (866) 678-8322.
 

 The Daily Asset Charge ("DAC"), if applicable, is assessed against all amounts invested in the investment options under the contract and is expressed as an annual percentage.  If a DAC is not applicable, there may be an annual asset-based fee deducted from your account for recordkeeping and administrative services provided to your employer's Plan. This fee may be waived, reduced, or eliminated in certain circumstances. If applicable, a pro-rata portion of the asset-based fee is calculated and deducted quarterly from all investment options, or from the mutual fund assets only, depending upon your employer's Plan. It will appear on your statements as a flat dollar amount deducted from all applicable investment options. 
 Depending upon the type of contract in which you participate, you have either received disclosure booklets for the separate account and/or fund prospectuses.  You should consider the investment objectives, risks and charges, and expenses of the variable product and its underlying fund options carefully before investing.  The disclosure booklet contains this and other information.  Anyone who wishes to obtain a free copy of the separate account disclosure booklet and/or fund prospectuses may call their Voya representative or the number above.  Please read the separate account disclosure booklet and/or the fund prospectuses 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 
Stability of Principal   
   Money Market - Taxable 
Voya Government Money Market Fund - Class A - 467 (2)0.030.030.030.120.470.800.4204/15/1994 
The 7-day annualized Subaccount yield as of 05/31/2022 is 0.36%, which more closely reflects current earnings.  (6) 
   Stability of Principal 
Voya Fixed Account - 598 (1)(5)0.090.280.451.221.461.631.97 
This fund is not part of the product's separate account.   
Bonds   
   Intermediate Core Bond 
Fidelity� U.S. Bond Index Fund - D110 0.63-5.87-8.90-8.36-0.220.951.4703/08/1990 
   Intermediate Core-Plus Bond 
Loomis Sayles Core Plus Bond Fund - Class N - 3871 0.40-5.83-8.91-8.450.821.762.6812/30/1994 
Asset Allocation   
   Lifecycle - Index 
Vanguard� Target Retirement 2015 Fund - 791 (3)0.28-4.89-8.63-6.214.644.475.9910/27/2003 
Vanguard� Target Retirement 2020 Fund - 1296 (3)0.30-5.29-9.71-6.706.155.507.1106/07/2006 
Vanguard� Target Retirement 2025 Fund - 926 (3)0.31-5.72-10.89-7.477.026.137.8310/27/2003 
Vanguard� Target Retirement 2030 Fund - 1297 (3)0.31-5.91-11.45-7.667.866.708.5106/07/2006 
Vanguard� Target Retirement 2035 Fund - 793 (3)0.32-5.90-11.73-7.598.777.309.1910/27/2003 
Vanguard� Target Retirement 2040 Fund - 1298 (3)0.36-5.92-12.04-7.529.687.899.7406/07/2006 
Vanguard� Target Retirement 2045 Fund - 794 (3)0.39-5.91-12.33-7.4810.568.4010.0410/27/2003 
Vanguard� Target Retirement 2050 Fund - 1299 (3)0.37-5.93-12.44-7.4910.658.4410.0606/07/2006 
Vanguard� Target Retirement 2055 Fund - 2473 (3)0.38-5.91-12.44-7.4710.638.4410.0408/18/2010 
Vanguard� Target Retirement 2060 Fund - 3447 (3)0.36-5.91-12.44-7.4610.648.4410.0401/19/2012 
Vanguard� Target Retirement 2065 Fund - 8995 (4)0.35-5.93-12.42-7.4510.608.3107/12/2017 
Vanguard� Target Retirement Income Fund - 795 (3)0.29-4.95-8.59-6.254.063.914.4210/27/2003 
Large Cap Value/Blend   
   Large Blend 
Vanguard� FTSE Social Index Fund - Institutional Shares - 1215 -0.99-7.92-17.58-5.0615.7213.4215.1212/15/2006 
Vanguard� Institutional Index Fund - Institutional Plus - 1228 0.17-5.20-12.84-0.5216.1913.1514.1607/07/1997 
   Large Value 
Vanguard� Equity Income Fund - Admiral™ Shares - 7926 3.662.520.968.2714.6611.4212.8408/13/2001 
Large Cap Growth   
   Large Growth 
T. Rowe Price Large-Cap Growth Fund - I Class - 2467 -2.86-15.64-27.58-18.5312.6413.8215.8410/31/2001 
Small/Mid/Specialty   
   Mid-Cap Blend 
Vanguard� Mid-Cap Index Fund - Institutional Shares - 1197 -0.34-5.92-14.21-5.7913.1110.3712.6505/21/1998 
   Mid-Cap Growth 
Janus Henderson Enterprise Fund - Class N Shares - 6095 1.16-6.51-13.31-6.6511.6512.9614.5609/01/1992 
   Mid-Cap Value 
MFS� Mid Cap Value Fund - Class R6 - 6912 3.29-2.14-4.832.8014.7310.4212.6108/31/2001 
   Small Blend 
Vanguard� Small-Cap Index Fund - Institutional Shares - 1198 -0.04-6.95-13.60-11.4611.219.2911.8207/07/1997 
   Small Growth 
Hood River Small-Cap Growth Fund - Retirement Shares - D809 -1.11-11.60-23.61-19.4417.4013.9215.5901/02/2003 
   Small Value 
DFA U.S. Targeted Value Portfolio - Institutional Class - 2566 4.00-1.50-2.251.2317.5110.1712.3002/23/2000 
Global / International   
   Foreign Large Blend 
Vanguard� Total International Stock Index Fund- Inst Shares - 9772 1.41-5.36-10.79-12.156.824.446.5204/29/1996 
   Foreign Large Growth 
American Funds EuroPacific Growth Fund� - Class R-6 - 1723 1.22-7.33-17.90-20.596.735.027.6104/16/1984 
   Foreign Large Value 
Vanguard� International Value Fund - Investor Shares - 8633 2.85-4.25-7.89-11.826.944.296.7805/16/1983 
 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. 


PERFORMANCE UPDATE  
Voya Retirement Insurance and Annuity Company  
CITY OF SAN JOSE  
Separate Account D  
Average Annual Total Returns as of 03/31/2022    (shown in percentages)  

 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 800-525-4225.  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.  

 The Daily Asset Charge ("DAC"), if applicable, is assessed against all amounts invested in the investment options under the contract and is expressed as an annual percentage.  If a DAC is not applicable, there may be an annual asset-based fee deducted from your account for recordkeeping and administrative services provided to your employer's Plan. This fee may be waived, reduced, or eliminated in certain circumstances. If applicable, a pro-rata portion of the asset-based fee is calculated and deducted quarterly from all investment options, or from the mutual fund assets only, depending upon your employer's Plan. It will appear on your statements as a flat dollar amount deducted from all applicable investment options. 

 The performance numbers listed below reflect the total Separate Account charges associated with each investment option including a 0.20% a daily asset charge which is assed against all funds except the Voya Fixed Account.  These performance figures also assume the reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses.  
In addition to the daily asset charge which is noted above, participant accounts are also assessed a $2.00 account fee per month by TASC for their administrative services on your VEBA account.  These fees are assessed by TASC for its account administration services and are not reflected in the performance figures listed below.  For further details on these fees, please contact TASC at (866) 678-8322.
 

 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 
Stability of Principal   
   Money Market - Taxable 
Voya Government Money Market Fund - Class A - 467 (2)0.000.000.000.090.580.800.4204/15/1994 
The 7-day annualized Subaccount yield as of 03/31/2022 is 0.00%, which more closely reflects current earnings.  (6) 
   Stability of Principal 
Voya Fixed Account - 598 (1)(5)0.090.270.271.251.501.661.99 
This fund is not part of the product's separate account.   
Bonds   
   Intermediate Core Bond 
Fidelity� U.S. Bond Index Fund - D110 -2.79-5.92-5.92-4.421.441.892.0003/08/1990 
   Intermediate Core-Plus Bond 
Loomis Sayles Core Plus Bond Fund - Class N - 3871 -2.21-5.40-5.40-3.852.692.793.2612/30/1994 
Asset Allocation   
   Lifecycle - Index 
Vanguard� Target Retirement 2015 Fund - 791 (3)-0.94-4.84-4.840.196.015.756.0010/27/2003 
Vanguard� Target Retirement 2020 Fund - 1296 (3)-0.46-5.11-5.111.197.677.067.1006/07/2006 
Vanguard� Target Retirement 2025 Fund - 926 (3)-0.07-5.55-5.551.668.707.927.8210/27/2003 
Vanguard� Target Retirement 2030 Fund - 1297 (3)0.20-5.69-5.692.339.628.648.4606/07/2006 
Vanguard� Target Retirement 2035 Fund - 793 (3)0.52-5.71-5.713.0810.559.369.0910/27/2003 
Vanguard� Target Retirement 2040 Fund - 1298 (3)0.85-5.71-5.713.8911.4610.069.6406/07/2006 
Vanguard� Target Retirement 2045 Fund - 794 (3)1.19-5.72-5.724.6712.3910.679.9710/27/2003 
Vanguard� Target Retirement 2050 Fund - 1299 (3)1.31-5.70-5.704.8612.5110.7410.0106/07/2006 
Vanguard� Target Retirement 2055 Fund - 2473 (3)1.30-5.73-5.734.8412.4810.739.9908/18/2010 
Vanguard� Target Retirement 2060 Fund - 3447 (3)1.30-5.73-5.734.8412.4910.7310.0201/19/2012 
Vanguard� Target Retirement 2065 Fund - 8995 (4)1.32-5.68-5.684.9112.4710.3407/12/2017 
Vanguard� Target Retirement Income Fund - 795 (3)-1.03-4.82-4.82-0.055.545.094.7410/27/2003 
Large Cap Value/Blend   
   Large Blend 
Vanguard� FTSE Social Index Fund - Institutional Shares - 1215 3.33-7.52-7.5212.7119.2916.5915.4612/15/2006 
Vanguard� Institutional Index Fund - Institutional Plus - 1228 3.70-4.65-4.6515.3818.6815.7514.4007/07/1997 
   Large Value 
Vanguard� Equity Income Fund - Admiral™ Shares - 7926 2.651.091.0915.2213.6911.7012.2208/13/2001 
Large Cap Growth   
   Large Growth 
T. Rowe Price Large-Cap Growth Fund - I Class - 2467 1.00-13.29-13.292.8818.4319.7716.8010/31/2001 
Small/Mid/Specialty   
   Mid-Cap Blend 
Vanguard� Mid-Cap Index Fund - Institutional Shares - 1197 2.68-6.37-6.378.6315.4512.7912.7205/21/1998 
   Mid-Cap Growth 
Janus Henderson Enterprise Fund - Class N Shares - 6095 0.34-6.95-6.954.0514.5815.6614.4709/01/1992 
   Mid-Cap Value 
MFS� Mid Cap Value Fund - Class R6 - 6912 0.17-2.58-2.5812.3314.8711.0112.1208/31/2001 
   Small Blend 
Vanguard� Small-Cap Index Fund - Institutional Shares - 1198 1.46-5.79-5.790.4812.9411.1211.9007/07/1997 
   Small Growth 
Hood River Small-Cap Growth Fund - Retirement Shares - D809 2.54-11.39-11.39-1.5922.4518.1416.4301/02/2003 
   Small Value 
DFA U.S. Targeted Value Portfolio - Institutional Class - 2566 0.60-0.16-0.1610.6015.719.7611.4802/23/2000 
Global / International   
   Foreign Large Blend 
Vanguard� Total International Stock Index Fund- Inst Shares - 9772 -0.40-6.12-6.12-2.007.576.605.6104/29/1996 
   Foreign Large Growth 
American Funds EuroPacific Growth Fund� - Class R-6 - 1723 -0.99-12.28-12.28-9.538.147.797.1104/16/1984 
   Foreign Large Value 
Vanguard� International Value Fund - Investor Shares - 8633 -1.39-5.15-5.15-3.296.896.145.5705/16/1983 
 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 Account MC 905, Fund 598 is 1.10%, 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 1.00%. 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. 

(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) 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) Vanguard Target Retirement Funds:  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 workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.
These fund suggestions are based on an estimated retirement age of approximately 65. Should you choose to retire significantly earlier or later, you may want to consider a fund with an asset allocation more appropriate to your particular situation.

All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss. Investments in bonds are subject to interest rate, credit, and inflation risk.
 
(5) The Investment Option is neither a mutual fund nor part of a Separate Account.  The returns listed do not include the impact of contract charges.  Please refer to the contract or disclosure book to determine which Fixed Interest Options are available for your specific plan.  The Investment Option is offered through Voya Retirement Insurance and Annuity Company. 

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



Creation Date: Sunday, June 26, 2022

Insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided by) Voya Retirement Insurance and Annuity Company, One Orange Way, Windsor, CT 06095-4774. Securities are distributed by Voya Financial Partners LLC (member SIPC). All companies are members of the Voya® family of companies. Securities may also be distributed through other broker-dealers with which Voya has selling agreements. Insurance obligations are the responsibility of each individual company. Product and services may not be available in all states.