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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Voya Retirement Conservative Portfolio, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
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Returns By Period
Voya Retirement Conservative Portfolio (IRCPX) has returned -1.60% so far this year and 6.59% over the past 12 months. Over the last ten years, IRCPX has returned 4.09% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
Voya Retirement Conservative Portfolio
- 1D
- -0.14%
- 1M
- -3.54%
- YTD
- -1.60%
- 6M
- -0.14%
- 1Y
- 6.59%
- 3Y*
- 6.28%
- 5Y*
- 2.56%
- 10Y*
- 4.09%
Benchmark (S&P 500 Index)
- 1D
- 2.91%
- 1M
- -5.09%
- YTD
- -4.63%
- 6M
- -2.39%
- 1Y
- 16.33%
- 3Y*
- 16.69%
- 5Y*
- 10.18%
- 10Y*
- 12.16%
Monthly Returns
Based on dividend-adjusted daily data since Nov 9, 2009, IRCPX's average daily return is +0.02%, while the average monthly return is +0.39%. At this rate, your investment would double in approximately 14.8 years.
Historically, 66% of months were positive and 34% were negative. The best month was Nov 2023 with a return of +4.8%, while the worst month was Sep 2022 at -5.3%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 4 months.
On a daily basis, IRCPX closed higher 46% of trading days. The best single day was Nov 11, 2022 with a return of +2.8%, while the worst single day was Mar 12, 2020 at -3.3%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.94% | 1.06% | -3.54% | -1.60% | |||||||||
| 2025 | 1.24% | 1.11% | -1.22% | 0.25% | 1.23% | 2.06% | 0.27% | 1.38% | 1.39% | 0.95% | 0.40% | 0.13% | 9.54% |
| 2024 | 0.25% | 0.13% | 1.37% | -2.59% | 2.15% | 1.24% | 1.98% | 1.64% | 1.24% | -1.35% | 1.49% | -1.71% | 5.85% |
| 2023 | 3.54% | -2.41% | 2.60% | 0.76% | -0.88% | 1.27% | 0.65% | -0.78% | -2.48% | -1.47% | 4.76% | 3.50% | 9.09% |
| 2022 | -2.69% | -1.54% | -1.35% | -4.64% | 0.44% | -3.41% | 3.75% | -2.87% | -5.27% | 1.09% | 4.03% | -1.68% | -13.69% |
| 2021 | -0.60% | -0.30% | 0.20% | 2.11% | 0.49% | 0.98% | 1.10% | 0.60% | -1.80% | 1.52% | -0.30% | 0.80% | 4.87% |
Benchmark Metrics
Voya Retirement Conservative Portfolio has an annualized alpha of 1.65%, beta of 0.25, and R² of 0.62 versus S&P 500 Index. Calculated based on daily prices since November 10, 2009.
- This fund participated in 35.69% of S&P 500 Index downside but only 31.27% of its upside — more exposed to losses than it benefited from rallies.
- Beta of 0.25 indicates this fund moves significantly less than S&P 500 Index — a genuinely defensive profile with reduced participation in both market rallies and downturns.
- Alpha
- 1.65%
- Beta
- 0.25
- R²
- 0.62
- Upside Capture
- 31.27%
- Downside Capture
- 35.69%
Expense Ratio
IRCPX has an expense ratio of 0.28%, placing it in the medium range.
Return for Risk
Risk / Return Rank
IRCPX ranks 71 for risk / return — better than 71% of mutual funds on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Voya Retirement Conservative Portfolio (IRCPX) and compare them to a chosen benchmark (S&P 500 Index).
| IRCPX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.43 | 0.90 | +0.53 |
Sortino ratioReturn per unit of downside risk | 2.09 | 1.39 | +0.71 |
Omega ratioGain probability vs. loss probability | 1.29 | 1.21 | +0.08 |
Calmar ratioReturn relative to maximum drawdown | 1.42 | 1.40 | +0.02 |
Martin ratioReturn relative to average drawdown | 5.96 | 6.61 | -0.65 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Explore IRCPX risk-adjusted metrics in detail
Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.
Dividends
Dividend History
Voya Retirement Conservative Portfolio provided a 17.45% dividend yield over the last twelve months, with an annual payout of $1.28 per share. The fund has been increasing its distributions for 2 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.28 | $1.28 | $0.40 | $0.32 | $1.06 | $0.45 | $0.43 | $0.43 | $0.26 | $0.35 | $0.36 | $0.51 |
Dividend yield | 17.45% | 17.17% | 4.99% | 4.01% | 13.97% | 4.50% | 4.29% | 4.59% | 2.93% | 3.78% | 3.95% | 5.67% |
Monthly Dividends
The table displays the monthly dividend distributions for Voya Retirement Conservative Portfolio. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.00 | |||||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.47 | $0.00 | $0.81 | $0.00 | $0.00 | $0.00 | $1.28 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.40 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.40 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.32 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.32 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.06 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.06 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.45 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.45 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Voya Retirement Conservative Portfolio. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Voya Retirement Conservative Portfolio was 17.75%, occurring on Oct 20, 2022. Recovery took 474 trading sessions.
The current Voya Retirement Conservative Portfolio drawdown is 3.54%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -17.75% | Nov 10, 2021 | 238 | Oct 20, 2022 | 474 | Sep 11, 2024 | 712 |
| -11.78% | Feb 21, 2020 | 20 | Mar 19, 2020 | 52 | Jun 3, 2020 | 72 |
| -7.78% | Jan 29, 2018 | 229 | Dec 24, 2018 | 82 | Apr 24, 2019 | 311 |
| -5.61% | Apr 27, 2015 | 186 | Jan 20, 2016 | 93 | Jun 2, 2016 | 279 |
| -5.27% | May 22, 2013 | 23 | Jun 24, 2013 | 84 | Oct 22, 2013 | 107 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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