Fund Evaluator:
Voya Solution 2055 Port S (ISSPX)
Follow This Fund
Best Performing in Target-Date 2055 Over the Last Year
| 23.7% | Fidelity Advisor Freedom Blend 2055 Z (FHPEX) |
| 23.1% | Fidelity Advisor Sust Trgt Dt 2055 Z (FSZNX) |
| 23.0% | Fidelity Advisor Sust Trgt Dt 2055 I (FSZMX) |
| 22.7% | BlackRock LifePath® Dyn 2055 Investor A (LPVAX) |
| 22.1% | BlackRock LifePath ESG Index 2055 Inv A (LEVAX) |
Fund Details
Voya Solution 2055 Port S Overview
Voya Solution 2055 Port S (ISSPX) is an actively managed Allocation Target-Date 2055 fund. Voya launched the fund in 2010.
The investment seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2055. The Portfolio invests primarily in a combination of actively managed funds and passively managed index funds,including exchange-traded funds. The underlying funds may or may not be affiliated with the investment adviser. The underlying funds invest in U.S. stocks, international stocks, U.S. bonds, and other debt instruments and the Portfolio uses an asset allocation strategy designed for investors expecting to retire around the year 2055.
About Voya Solution 2055 Port S (ISSPX)
There are 2 members of the management team with an average tenure of 5.01 years: Barbara Reinhard (2019), Lanyon Blair (2023). Management tenure is more important for actively managed funds than passive index funds.
The fund has 2 primary benchmarks: MSCI ACWI NR USD index with a weighting of 100% and Bloomberg US Agg Bond TR USD index with a weighting of 100%. Voya Solution 2055 Port S has 18 securities in its portfolio. The top 10 holdings constitute 94.1% of the fund’s assets. The fund meets the SEC requirement of being classified as a diversified fund. The fund is not considered to have an ESG focus with its investment selection and management.
Voya Solution 2055 Port S is part of the Allocation global asset class and is within the Allocation fund group. Voya Solution 2055 Port S has 34.9% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 61.3%. There is 34.9% allocated to foreign stock, and 0.1% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 2.5% (2.5% domestic bond, 0.0% foreign bond and 0.0% convertible bond). Voya Solution 2055 Port S has 1.2% of the portfolio in cash.
Assets Under Management
The fund has $135 million in total assets, which is below the $1 billion average for the Target-Date 2055 category. Normally, lower assets under management translates to higher average expense ratios, and greater total assets are desired. However, for some investment categories, such as small-cap investing, it may be difficult for the manager to fully employ the desired active strategy if assets grow too large or too quickly.
ISSPX Performance and Fees
The expense ratio measures how much of a fund’s assets are used for administrative expenses and operating expenses, including adviser fees and fees for the transfer agent and custodial services. The Voya Solution 2055 Port S expense ratio is high compared to funds in the Target-Date 2055 category. Voya Solution 2055 Port S has an expense ratio of 1.03%, which is 52% higher than its category average, making the fund expense ratio grade a F. While it is difficult to predict returns, it is known that high annual expense ratios reduce your rate of return, and excessive fees are difficult to overcome. Active management normally comes with higher expense ratios than passive index management. Certain investment categories such as small company and foreign also normally have higher expense ratios. It is best to compare fund expense ratios against the category averages for meaningful assessments.
High portfolio turnover can translate to higher expenses and lower aftertax returns. Voya Solution 2055 Port S has a portfolio turnover rate of 31%, indicating that holds its assets around 0.0 years. By way of comparison, the average portfolio turnover is 23% for the Target-Date 2055 category.
Recently, in the month of July 2026, Voya Solution 2055 Port S returned -1.0%, which earned it a grade of D, as the Target-Date 2055 category had an average return of -0.8%. The letter grades of A, B, C, D and F are based upon relative rankings within the investment category. A grade of A, for example, would indicate that the return is in the highest 20% for that time period compared to all funds in that category.
Voya Solution 2055 Port S has a trailing yield of 1.44%, which is below the 1.55% category average. The fund normally distributes its income annually and its capital gains semi-annually.
It’s natural to seek the best-performing investments, but you must consider the relationship between risk and return and the impact of costs and taxes on your realized returns.
Voya Solution 2055 Port S Grades
Year to date, the fund has returned 10.5%, 0.0 percentage points worse than the category, which translates into a grade of D. The fund has returned 20.1% over the past year (grade of D), 16.3% over the past three years (grade of C) and 8.9% per year over the past five years (grade of C) and 10.7% per year over the past 10 years (grade of D).
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ISSPX Trailing NAV Total Returns Data as of 7/31/26
| Last Month |
Last Quarter |
Ann'l. 1Yr |
Ann'l. 3Yr |
Ann'l. 5Yr |
Ann'l. 10Yr |
|
| ISSPX Return (NAV) | -1.0% | 3.7% | 20.1% | 16.3% | 8.9% | 10.7% |
| ISSPX Grade | D | B | D | C | C | D |
| +/- Category | -0.2% | 0.2% | -0.1% | 0.2% | -0.2% | -0.2% |
| Target-Date 2055 Avg | -0.8% | 3.5% | 20.1% | 16.2% | 9.0% | 10.9% |
| ISSPX Tax Cost Ratio | na | na | 2.6% | 1.6% | 3.2% | 2.5% |
ISSPX Annual NAV Total ReturnsData as of 7/31/26
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
| ISSPX Return (NAV) | 10.5% | 19.6% | 15.1% | 20.7% | -19.8% | 17.3% | 16.0% | 24.5% | -10.6% | 21.7% | 6.4% |
| ISSPX Grade | D | C | B | B | F | C | C | D | F | B | F |
| +/- Category | -0.0% | 0.2% | 0.5% | 0.9% | -1.6% | 0.0% | -0.0% | -0.4% | -2.0% | 0.5% | -1.5% |
| Target-Date 2055 Avg | 10.5% | 19.5% | 14.6% | 19.8% | -18.2% | 17.3% | 16.1% | 24.9% | -8.5% | 21.1% | 8.0% |
| Risk Measures | |
| Standard Deviation: | 12.2% |
| Total Risk Index: | 0.99 - Average |
| Category Risk Index: | 1.02 - Average |
| Category Risk Grade: | C (59% Rank) |
| Beta: | 1.25 |
| R-Squared: | 92% |
| Leveraged Fund: | No |
| Inverse Fund: | No |
| Portfolio Characteristics | |
| Equity Investment Style: | Large-Cap Blend |
| Bond Investment Style: | na |
| Yield: | 1.4% |
| Dividend Distribution: | Annually |
| Cap Gains Distribution: | Semi-Annually |
| Total Assets: | $214 Mil |
| Fund Total Assets: | $ 135 Mil |
| Share Class Type: | S |
| Portfolio Turnover: | 31% |
Management Team
| Number of Managers: 2 | |||
| Longest Tenure: 6.8 years | |||
| Average Tenure: 5.0 years | |||
| Managers (Year): Reinhard Barbara (2019), Blair Lanyon (2023) | |||
Portfolio Composition (as of 6/30/26)
| # of Holdings: | 18 |
| % in Top 10 Holdings: | 94.1% |
| Fund is Non-Diversified: | No |
| % in Foreign Issues: | 34.9% |
Portfolio Allocation |
|
| Domestic Stock: | 61.3% |
| Foreign Stock: | 34.9% |
| Preferred Stock: | 0.1% |
| Domestic Bond: | 2.5% |
| Foreign Bond: | 0.0% |
| Convertible Bond: | 0.0% |
| Other: | 0.0% |
| Cash: | 1.2% |
Purchase Information
| Fund Family: | Voya |
| Phone Number: | 800-262-3862 |
| Website: | www.INGInvestment.com |
| Status: | Open |
| Inception Date: | March 8, 2010 |
| Min. Initial Purchase: | $ 0 |
| Min. Initial IRA Purchase: | $ 0 |
| True No-Load: | Yes |
| Front Load Maximum: | 0.00% |
| Deferred Charge Maximum: | 0.00% |
| Redemption Charge Maximum: | 0.00% |
| 12b-1 Fee: | 0.25% |
Expenses and Fees | |
| Expense Ratio (%): | 1.03% ( Rating : High ) |
| Category Average Expense Ratio (%): | 0.68% |
| Share Class: | Voya Solution 2055 Port I |
| Min. Subsequent Purchase: | $ 0 |
| Min. Subsequent IRA Purchase: | $ 0 |
