Voya Target Retirement 2045 I (IRSPX)

Fund Assets	222.75M
Expense Ratio	0.37%
Min. Investment	$250,000
Turnover	103.00%
Dividend (ttm)	0.51
Dividend Yield	2.87%
Dividend Growth	76.38%
Payout Frequency	Annual
Ex-Dividend Date	Dec 30, 2025

Previous Close	17.65
YTD Return	11.43%
1-Year Return	15.41%
5-Year Return	59.30%
52-Week Low	15.18
52-Week High	18.14
Beta (5Y)	0.87
Holdings	15
Inception Date	Dec 20, 2012

About IRSPX

Voya Target Retirement 2045 Fund Class I is a target-date mutual fund designed to align with the evolving investment needs of individuals planning to retire around the year 2045. Its primary function is to provide a diversified, professionally managed investment solution that gradually transitions from a growth-focused approach to a more conservative allocation as the target retirement date approaches. The fund employs a multi-manager strategy, blending both active and passive investments across various asset classes, including domestic and international equities, as well as fixed income securities and cash equivalents. Early in the investment horizon, the fund emphasizes asset accumulation through heavier stock allocations, then strategically reduces equity exposure to approximately 35% at retirement, aiming to prioritize capital preservation in later years. This glide path is designed to help investors accumulate wealth while managing risk as they near and enter retirement. Voya Target Retirement 2045 Fund Class I plays a significant role in supporting long-term retirement planning, offering investors a convenient way to maintain age-appropriate diversification and automatic risk adjustment over time.

• Fund Family: Voya
• Category: Target-Date 2045
• Performance Rating: Above Average
• Risk Rating: Above Average
• Stock Exchange: Nasdaq
• Ticker Symbol: IRSPX
• Share Class: Class I
• Index: S&P Target Date 2045 TR

Performance

IRSPX had a total return of 15.41% in the past year, including dividends. Since the fund's inception, the average annual return has been 10.66%.

Other Share Classes

These are alternative share classes of the same fund, from the same provider.

Symbol	Share Class	Expense Ratio
VTRNX	Class R6	0.25%
VTRMX	Class A	0.58%
VRRLX	Class R	0.83%

Top 10 Holdings

100.51% of assets

Name	Symbol	Weight
Fidelity 500 Index Fund	FXAIX	50.79%
Vanguard FTSE Developed Markets ETF	VEA	16.09%
Voya Multi-Manager International Eq I	IIGIX	9.49%
Voya Intermediate Bond R6	IIBZX	6.37%
Vanguard FTSE Emerging Markets ETF	VWO	4.45%
iShares Core S&P Mid-Cap ETF	IJH	3.99%
Voya VACS Series Eme	VVIFX	2.90%
5 Year Treasury Note Future Dec 26	n/a	2.58%
State Street SPDR Portfolio High Yield Bond ETF	SPHY	1.96%
Vanguard Long-Term Treasury ETF	VGLT	1.90%

Dividend History

Ex-Dividend	Amount	Pay Date
Dec 30, 2025	$1.8498	Dec 30, 2025
Dec 30, 2024	$0.4465	Dec 31, 2024
Dec 28, 2023	$0.2668	Dec 29, 2023
Dec 30, 2022	$0.6807	Jan 3, 2023
Dec 31, 2021	$3.3081	Jan 3, 2022
Dec 31, 2020	$0.4896	Jan 4, 2021

Data Sources: Tiingo, Twelve Data, and more

Historical data is provided by Tiingo. Delayed stock pricing data is provided by Twelve Data. Several fund data points are also provided by Finnhub.

Last checked:

Oct 16, 2026

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