VTRNX

About VTRNX

Voya Target Retirement 2045 Fund Class R6 is a target-date mutual fund designed to provide a professionally managed, age-appropriate asset mix for investors planning to retire around 2045. It follows a glide path that emphasizes growth through a high allocation to equities in earlier years and gradually shifts toward fixed income and capital preservation as the target date approaches. The portfolio primarily invests in a diversified mix of underlying index and active funds spanning U.S. large-cap, mid-cap, and small-cap equities, developed and emerging international markets, and core and high-yield bonds, with selective use of Treasuries and futures for tactical and risk management purposes. The fund’s structure aims to deliver broad market exposure, cost efficiency, and automatic rebalancing within the Target-Date 2045 category. Performance is typically evaluated against target-date benchmarks, reflecting both equity market participation and the progressive de-risking inherent in the glide path. Expense management and diversification across asset classes and regions are central features, supporting its role as a comprehensive, single-fund retirement solution for long-term savers seeking a set-it-and-monitor approach.