Pure Benchmarks · Portfolio Benchmark Report
Voya Financial Portfolio Review: How It Ranks Against Real Peers
Short answer
Your Voya Financial portfolio is underperforming when its return trails a pure index baseline at the same risk level once every fee is counted. A single market index cannot answer that on its own, because it does not hold the same mix of stocks and bonds you do. Pure Benchmarks answers it by placing your actual holdings in one of nine risk categories, recategorized daily from end-of-day holdings, then ranking you against thousands of verified investor portfolios in that same category. For workplace & employer-sponsored platforms, the usual gap comes from the default-menu ceiling.
Voya Financial runs workplace retirement accounts, where defaults and a set fund list can hold an allocation away from a broad index baseline.
Voya Financial runs workplace retirement accounts, where defaults and a set fund list can hold an allocation away from a broad index baseline. Independent benchmarking for Voya Financial portfolios. Pure Benchmarks ranks real Voya Financial portfolios against thousands of other verified investor portfolios across nine standardized risk categories, from 100% equity to 90% fixed income. Every portfolio is recategorized daily from actual end-of-day holdings, and Community Nests shows exactly where your Voya Financial portfolio ranks against other real Voya Financial clients in the same risk category — built entirely from verified portfolio data, with no firm that manages money able to see any data point on the platform.
Benchmarking your Voya Financial portfolio: why it can underperform a pure index baseline
The default-menu ceiling. Workplace plans limit choices to a set menu and often default balances into a single target-date fund. Convenient defaults and a bounded fund list can quietly hold the allocation away from a broad low-cost index baseline.
What to review on your Voya Financial portfolio
- Confirm which funds in the plan menu carry the lowest expense ratios versus the defaults.
- Compare the workplace allocation with a simple diversified index over time.
Illustrative 10-year comparison — a standard managed portfolio versus a pure index baseline. Figures are illustrative only.
| Year | Standard managed portfolio | Pure index baseline | Gap |
|---|---|---|---|
| Year 1 | $105,200 | $107,000 | -$1,800 |
| Year 3 | $116,400 | $122,500 | -$6,100 |
| Year 5 | $128,700 | $140,300 | -$11,600 |
| Year 7 | $142,300 | $160,600 | -$18,300 |
| Year 10 | $165,100 | $196,700 | -$31,600 |
See exactly where your Voya Financial portfolio stands.
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See Your Free Benchmark ReportVoya Financial portfolio questions, answered
Is my Voya Financial portfolio underperforming?
It depends on what you compare it against. Measured against a pure index baseline at the same risk level, and against real investor portfolios in that same risk class, the answer becomes concrete instead of a guess. For a workplace & employer-sponsored platforms account specifically: compare the workplace allocation with a simple diversified index over time. Pure Benchmarks builds that comparison from your actual end-of-day holdings and updates the risk category daily as your allocation drifts.
How do I compare my Voya Financial portfolio to other investors?
Link the account and Pure Benchmarks sorts the portfolio into one of nine standardized risk categories, from 100% equity to 90% fixed income, then ranks it inside Community Nests against thousands of other verified portfolios in that same category. The comparison is peer-to-peer, not a single index, so the result reflects how people invested like you actually did.
What is the right benchmark for my Voya Financial portfolio?
A peer group in your own risk class, plus a pure index baseline held at the same risk level. Comparing a mixed stock-and-bond portfolio to the S&P 500 alone overstates or understates the result depending on the year, because the risk levels do not match. Matching the risk level first is what makes the comparison honest.
Do fees explain the gap on my Voya Financial account?
Workplace plans limit choices to a set menu and often default balances into a single target-date fund. Convenient defaults and a bounded fund list can quietly hold the allocation away from a broad low-cost index baseline. Voya Financial runs workplace retirement accounts, where defaults and a set fund list can hold an allocation away from a broad index baseline. Pure Benchmarks does not read your fee schedule; it measures the outcome, so any drag that comes from cost, product selection, cash handling, or turnover shows up in where the portfolio ranks against its peers.
Do I have to move money or leave Voya Financial to use Pure Benchmarks?
No. Pure Benchmarks is read-only and free. It never moves money, never places trades, and no firm that manages money can see any data point on the platform. You keep the account exactly where it is and only gain the comparison.
What should I check first on my Voya Financial portfolio?
Confirm which funds in the plan menu carry the lowest expense ratios versus the defaults. After that, compare the portfolio's return against a pure index baseline at the same risk level and against real peers in that risk class, which is the comparison this report is built on.
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New here? Read the Pure Benchmarks blog or the portfolio benchmarking FAQ.
Answer the bigger questions
- Is Your Financial Advisor Doing a Good Job?
- What If You Had Switched Financial Advisors?
- How Do You Know If Your Portfolio Changes Worked?
- Can You Track Your Financial Advisor's Decisions?
- Are Your Financial Advisor's Decisions Working?
- How to Tell If Your Advisor Is Making Good Investment Decisions
- The Financial Advisor Decision Tracker Built for the Client
- Did Your Financial Advisor Make the Right Decisions?
This page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.