Analyzing of the VOYA 401K Fund -Asset Allocation

Voya Index Solution 2025 Portfolio - Service Class: 1540

 

Overview

• Objective: targeted at retirement around 2025.
• Primary Investments: 80% in passively managed index funds (U.S. stocks, international stocks, U.S. bonds, and other fixed-income instruments).

 

Key Portfolio Metrics (as of 08-31-23)

• Asset Allocation:
• Sector Allocation:

Risk Profile

• Volatility: Moderate (3-Year SD: 11.60)
• Beta (vs. S&P 500): 0.65
• for nearing retirement, seeking a balance of return and stability.

Costs

• Expense Ratio: Net 0.44%
• Annual Turnover Ratio: 50.00%

 

Suitability

• designed for those expecting to retire soon, focusing on a mix of growth and income.

Performance chart

Key Observations

• emphasizes capital preservation and income generation as it approaches the 2025 
• reflects a conservative approach, with a higher bond allocation to mitigate volatility and preserve capital.

suitable for seeking a diversified, conservative strategy with a focus on retirement planning for nearing the retirement phase.

Voya Index Solution 2030 Portfolio - Service Class: 6766

 

Overview

• Objective: targeted at retirement around 2030.
• Primary Investments: 80% in underlying passively managed index funds (U.S. stocks, international stocks, U.S. bonds, and other fixed-income instruments).

 

Key Portfolio Metrics (as of 09-30-23)

• Asset Allocation:
• Sector Allocation: 

 

Risk Profile

• Volatility: Moderate (3-Year SD: 12.98)
• Beta (vs. S&P 500): 0.73
• for moderate risk tolerance and a retirement target around 2030.

Costs

• Expense Ratio: Net 0.47%
• Annual Turnover Ratio: 52.00%

 

Suitability

• as the target date approaches, shifting towards more conservative investments.

Performance chart

Key Observations

• focuses on a balance between growth and capital 
• The diversified investment approach, suggest a strategy aimed at steady growth with controlled volatility.

 

suitable for seeking a diversified, evolving asset allocation and moderate risk management are tailored for those with a medium-term investment timeframe.

 

Voya Index Solution 2035 Portfolio - Service Class: 1543

 

Overview

• Objective: targeted at retirement in around 2035.
• Primary Investments: 80% in underlying passively managed index funds (U.S. stocks, international stocks, U.S. bonds, and other fixed-income instruments).

 

Key Portfolio Metrics (as of 09-30-23)

• Asset Allocation:
• Top Holdings: Diverse range of index funds.
• Sector Allocation: 

 

Risk Profile

• Volatility: Moderate (3-Year SD: 14.50)
• Beta (vs. S&P 500): 0.81
• Suitable for investors with a moderate risk tolerance.

 

Costs

• Expense Ratio: Net 0.46%
• Annual Turnover Ratio: 41.00%

 

Suitability

• as the target date approaches, shifting towards more conservative investments.

 

Performance chart

 

Key Observations

• diversified allocation across stocks and bonds suggests a balanced approach to risk and return.
• As the target date approaches, allocation is likely to shift towards more conservative investments(bonds and cash)

 

focus on a balanced and evolving asset allocation as the retirement date approaches.

Voya Index Solution 2040 Portfolio - Service Class: 6769

 

Overview

• Objective: targeted at retirement around 2040.
• Primary Investments: 80% in underlying passively managed index funds (U.S. stocks, international stocks, U.S. bonds, and other fixed-income instruments).

 

Key Portfolio Metrics (as of 09-30-23)

• Asset Allocation:
• Sector Allocation: 

 

Risk Profile

• Volatility: Moderate (3-Year SD: 15.69)
• Beta (vs. S&P 500): 0.88
• Suitable for investors with a moderate risk tolerance.

 

Costs

• Expense Ratio: Net 0.50%
• Annual Turnover Ratio: 40.00%

 

Suitability

• as the target date approaches, shifting towards more conservative investments.

 

Performance chart

 

Key Observations

• focuses on a balance between growth and capital preservation as it moves closer to 2040.
• strategy aimed at achieving steady growth with controlled volatility.

 

for investors seeking a diversified, evolving asset allocation and moderate risk management are tailored for long-term investment.

Voya Index Solution 2045 Portfolio - Service Class: 1546

 

Overview

• Objective: targeted at retirement in approximately 2045.
• Primary Investments: 80% in underlying passively managed index funds (U.S. stocks, international stocks, U.S. bonds, and other fixed-income instruments).

 

Key Portfolio Metrics (as of 09-30-23)

• Asset Allocation:
• Sector Allocation: 

Risk Profile

• Volatility: Moderate (3-Year SD: 16.41)
• Beta (vs. S&P 500): 0.92
• Suitable for a moderate risk tolerance.

 

Costs

• Expense Ratio: Net 0.46%
• Annual Turnover Ratio: 39.00%

 

Suitability

• evolving as the target date approaches, shifting towards more conservative investments.

 

Performance chart

 

Key Observations

• diversified allocation across stocks and bonds suggests a balanced approach to risk and return.

 

suitable for a target-date retirement strategy, with a focus on a balanced and evolving asset allocation as the retirement date approaches.

Voya Index Solution 2050 Portfolio - Service Class: 6772

 

Overview

• Objective: targeted at retirement in approximately 2050.
• Primary Investments: 80% in underlying passively managed index funds (U.S. stocks, international stocks, U.S. bonds, and other fixed-income instruments).

 

Key Portfolio Metrics (as of 09-30-23)

• Asset Allocation:
• Sector Allocation:

 

Risk Profile

• Volatility: Moderate (3-Year SD: 16.66)
• Beta (vs. S&P 500): 0.93
• Suitable for moderate risk tolerance.

 

Costs

• Expense Ratio: Net 0.53%
• Annual Turnover Ratio: 34.00%

 

Suitability

• evolves as the target date approaches, shifting towards more conservative investments.

 

Performance chart

 

Key Observations

• focuses on growth investments with a long-term 
• The diversified approach and moderate risk profile suggest a strategy aiming for steady growth with controlled volatility.

suitable choice for diversified, long-term strategy. Its evolving asset allocation and moderate risk management are tailored for those with a longer investment timeframe.

Voya Index Solution 2055 Portfolio - Service Class: 1162

 

Overview

• Objective: targeted at retirement in 2055.
• Primary Investments: 80% in passively managed index funds (U.S. and global stocks, U.S. bonds, and other fixed-income).

 

Key Portfolio Metrics (as of 09-30-23)

• Asset Allocation:
• Top Holdings: Diverse range of index funds.
• Sector Allocation:

 

Risk Profile

• Volatility: Moderate (3-Yr SD: 16.77)
• Beta (vs. S&P 500): 0.94
• Suitable for long-term.

 

Costs and Management

• Expense Ratio: Net 0.52%
• Annual Turnover Ratio: 34.00%

 

Suitability

• Ideal for the long-term.
• The fund's diversified and dynamic asset allocation strategy evolves as the target date approaches, becoming more conservative.

 

Performance Overview

 

Key Observations from the Chart:

• mirrors the overall market trends (diversified) 
• balance between growth and stability

 

diversified and dynamic asset allocation; a mix of growth and stability, adapting as the target retirement date approaches.

 

 

Voya Index Solution 2060 Portfolio - Service Class: 3212

 

Overview

• Objective: targeted at retirement in 2060.
• Primary Investments: 80% in underlying passively managed index funds (U.S. stocks, international stocks, U.S. bonds, and other fixed-income).

 

Key Portfolio Metrics (as of 09-30-23)

• Asset Allocation:
• Sector Allocation: 

 

Risk Profile

• Volatility: Moderate (3-Year SD: 16.91)
• Beta (vs. S&P 500): 0.95
• Suitable for moderate risk tolerance.

 

Costs

• Expense Ratio: Net 0.55%
• Annual Turnover Ratio: 34.00%

 

Suitability

• Ideal for younger investors with a longer time horizon.
•   strategy is designed for investors expecting to retire around the year 2060, evolving as the target date approaches.

 

Performance Overview

 

Key Observations

• The fund's diversified allocation across stocks and bonds suggests a balanced approach to risk and return.
• As the target date approaches, shift towards more conservative investments, such as bonds and cash.

 

suitable for who are looking for a target-date retirement strategy, focusing on a balanced and evolving asset allocation as the retirement date approaches.

Voya Index Solution 2065 Portfolio - Service Class: E476

 

Overview

• Objective:   targeted at retirement in around 2065.
• Primary Investments:  80% in underlying passively managed index funds (U.S. stocks, international stocks, U.S. bonds, and other fixed-income instruments).

 

Key Portfolio Metrics (as of 08-31-23)

• Asset Allocation:
• Sector Allocation:

 

Risk Profile

• Volatility: Moderate (3-Year SD: 17.02)
• Beta (vs. S&P 500): 0.95
• Suitable for long-term investment horizon 

Costs

• Expense Ratio: Net 0.62%
• Annual Turnover Ratio: 51.00%

 

Suitability

• Ideal for younger investors with a long-term horizon.
• evolves as the target date approaches, shifting towards more conservative investments.

 

Performance Overview

 

Key Observations

• growth-oriented investments, given its long-term target 
• The diversified investment approach and moderate risk, aiming for steady growth with controlled volatility 

 

for investors seeking a diversified, long-term strategy. Its evolving asset allocation and moderate risk management are tailored for those with a longer investment timeframe.

Voya Index Solution Income Portfolio - Service Class: 1549

 

Overview

• Objective: Combination of total return and stability of principal, targeted to retirement.
• Primary Investments:  80% in underlying passively managed index funds (U.S. stocks, international stocks, U.S. bonds, and other fixed-income instruments), mainly for investors close to or in retirement.

 

Key Portfolio Metrics (as of 09-30-23)

• Asset Allocation:
• Sector Allocation:

 

Risk Profile

• Volatility: Low to Moderate (3-Year SD: 8.70)
• Beta (vs. S&P 500): 0.69
• Suitable for  seeking stability and total return, particularly those nearing or in retirement.

 

Costs

• Expense Ratio: Net 0.43%
• Annual Turnover Ratio: 51.00%

 

Suitability

• Ideal for investors nearing or already in retirement.
• designed for those expecting to retire soon or who are already retired, focusing on stability and income.

 

Performance Overview

 

Key Observations

• The fund's significant bond allocation and lower exposure to stocks reflect its focus on income generation and principal stability.
• Its asset allocation is geared towards investors who require steady income with lower volatility, making it appropriate for those close to or in retirement.

This fund is well-suited for investors with a near-term retirement horizon or those already retired, looking for a balance of income and capital preservation.