IRCPX Fees and Costs — Voya Retirement Conservative Portfolio, Class I
Data updated: 2026-08-21
The net expense ratio is 0.67% (0.69% before fee waivers). There are no sales loads or redemption fees. In fiscal 2025 the fund paid $13K in broker commissions, 0.0063% of average net assets, and portfolio turnover was 19%.
IRCPX Fees and Expenses
Annual operating expenses and sales charges of IRCPX. Prospectus, as of December 31, 2025.
| Annual operating expenses | |
|---|---|
| Management fee | 0.25% |
| 12b-1 fee | 0.00% |
| Other expenses | 0.12% |
| Gross expense ratio | 0.69% |
| Fee waiver | −0.02% |
| Net expense ratio | 0.67% |
| Sales charges | |
|---|---|
| Max front load | — |
| Max deferred load | — |
| Redemption fee | — |
| Expense limitation in place (N-CEN) | Yes |
| Fees waived or reduced during the year | Yes |
| Waived fees subject to recoupment | Yes |
IRCPX Costs Over Time
On $10,000 invested in IRCPX, assuming 5% a year before costs, total costs come to $426 over 5 years, cutting the return by 0.71% a year. Illustration, not a forecast: it assumes today's net expense ratio throughout (a fee waiver may end).
| $10,000 invested | Sell after 1 year | Sell after 3 years | Sell after 5 years |
|---|---|---|---|
| Value before costs | $10,500 | $11,576 | $12,763 |
| Fund expenses (net expense ratio 0.67%) | $70 | $220 | $383 |
| Trading costs (broker commissions) | $1 | $2 | $4 |
| Lost growth on money paid in costs | $0 | $11 | $39 |
| Total costs | $71 | $233 | $426 |
| Value after costs | $10,429 | $11,343 | $12,337 |
| Impact on return, per year | 0.71% | 0.71% | 0.71% |
IRCPX Trading Costs
Brokerage costs reported on SEC Form N-CEN for the fiscal year ending December 31, 2025.
- Explicit cost rate (commissions ÷ average net assets): 0.0063%
- Total broker commissions: $13K
- Bought from dealers (principal trades, not a cost): $14.6M
- Portfolio turnover (prospectus): 19%
- Securities lending: none during the year
IRCPX Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| EVERCORE GROUP LLC | $3K | 28.73% |
| VIRTU AMERICAS LLC | $2K | 21.11% |
| SUSQUEHANNA FINANCIAL GROUP, LLLP | $2K | 19.26% |
| Jane Street Execution Services, LLC | $2K | 15.99% |
| GOLDMAN SACHS & CO. LLC | $655 | 5.61% |
| CITADEL SECURITIES LLC | $317 | 2.71% |
| INSTINET, LLC | $253 | 2.17% |
| STIFEL FINANCIAL CORP. | $205 | 1.76% |
| CITIGROUP GLOBAL MARKETS INC. | $158 | 1.35% |
| Raymond James & Associates, Inc. | $154 | 1.32% |
IRCPX Dealer Counterparties
Securities bought directly from dealers (principal trades).
| Broker | Amount | Share |
|---|---|---|
| THE BANK OF NEW YORK MELLON | $14.6M | 99.99% |
| CITADEL SECURITIES LLC | $2K | 0.01% |
Voya Retirement Conservative Portfolio Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| IRCPX | Class I | 0.67% | — |
| IRCAX | Class ADV | 0.92% | — |
For information only. Not investment advice: figures are as reported in SEC filings and may contain errors or be out of date. Past performance does not guarantee future results.