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        From Sectors and Smart Beta to Fixed Income, SPDR Exchange Traded Funds (ETFs) give you wide access to diverse investment opportunities. Find out more.

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        Participant Engagement

         

        Inspiring Individuals to Look Ahead

        Retirement readiness works best as a collaborative experience, with participants and plan sponsors benefiting from knowledgeable partners who can provide and coordinate expertise in the forms of:

        • Solutions to support life’s transitions, at employer and legislative levels
        • Practical financial wellness guidance for sponsors and savers
        • Communications to educate and inspire individuals today in pursuit of their goals tomorrow     

        At State Street, our dedicated Participant Engagement team is positioned at the intersection of investment strategy, public policy and marketing execution, working directly with sponsors to develop effective participant outreach
        strategies that drive action.

        Life Stage

        Meeting Participants (and Sponsors) at Every Stage

        First job. Next job. New family and financial commitments. Retirement within reach. 

        Participants are balancing financial and personal transitions at every stage of life. Many look to their employers to help navigate through the complexity. However, employers have challenges of their own, from managing a workforce to coping with regulatory shifts to providing a DC plan that works for every employee.

        At State Street, we’re here to support plan sponsors and empower participants by:

        Seeing the Participant’s Perspective 

        • Student Debt vs. Retirement Savings: How Employers Can Help 
        • Are DIY Investors out of Their Depth? 

        Pushing for Policies That Work

        • Student Loans vs. Retirement Savings: IRS Rules
          Support Employers Addressing the Contribution Clash
        • How MEPs Will Change Retirement

        Financial Wellness

        Fostering Financial Wellness

        6 Steps to Bring Financial Wellness to the Workplace

        Use this framework to help start financial wellness conversations in your organization.

        Read now.

        The 3B’s Framework

        Gain insight on how to inspire behavioral-based change within a benefits program.

        Watch now.

        Advances in retirement plan design and automation may have improved the system of saving, but they haven’t removed the strain. 

        35%

        Employees say issues with personal finances have been a distraction at work1

        49%

        Employees find it difficult to meet household expenses on time each month2

        39%

        American adults would not be able to cover a $400 emergency with cash, savings or a credit card that could be paid off quickly3

        By committing to improve employees’ financial wellness, sponsors have the opportunity to see employees holistically, lessen participants’ anxiety and cultivate their happiness — gaining productivity in the process.4    

        Our financial wellness resources can support the launch or expansion of programs that strive to improve participants’ financial habits now and in retirement.

        Comms

        Improving Outcomes With Thoughtful Outreach

        The power of a carefully designed plan can be diminished if there is no outreach campaign to highlight plan details and participant benefits. 

        Working from initial strategy to tactical execution, our dedicated Participant Engagement team offers plan communications and other resources to help ensure employees get the most out of their retirement plan by: 

        Sharing Access to a Library of Content

        Offering Educational Resources on a Range of Topics     

        Defined Contribution

        1, 2  PwC’s 8th annual Employee Financial Wellness Survey, PwC US, 2019. https://www.pwc.com/us/en/industries/private-company-services/library/financial-well-being-retirement-survey.html

        3 Report on the Economic Well-Being of U.S. Households in 2018, Board of Governors of the
        Federal Reserve System, May 2019.         https://www.federalreserve.gov/publications/files/2018-report-economic-well-being-us-households-201905.pdf

        4 Jeffrey Hayzlett, “Do Wellness Programs Make Employees More Productive? The Obvious Answer Is Yes,” Entrepreneur, March 2, 2018. https://www.entrepreneur.com/article/309685

        MARKETING COMMUNICATION

                                           

        FOR PROFESSIONAL INVESTORS USE ONLY.

         

        SSGA SPDR ETFS MAY NOT BE AVAILABLE OR SUITABLE FOR ALL. SPDR ETFs may be offered and sold only in those jurisdictions where authorised, in compliance with applicable regulations.

         

        Investing involves risk including the risk of loss of principal.

         

        ETFs trade like stocks, are subject to investment risk, fluctuate in market value and may trade at prices above or below the ETFs net asset value. Brokerage commissions and ETF expenses will reduce returns.

         

        The S&P 500® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“S&P DJI”) and have been licensed for use by State Street Global Advisors.  S&P®, SPDR®, S&P 500®,US 500 and the 500 are trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”) and has been licensed for use by S&P Dow Jones Indices; and these trademarks have been licensed for use by S&P DJI and sublicensed for certain purposes by State Street Global Advisors. The fund is not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of these indices.

         

        The information provided does not constitute investment advice as such term is defined under the Markets in Financial Instruments Directive (2014/65/EU) or applicable Swiss regulation and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell any investment. It does not take into account any investor's or potential investor’s particular investment objectives, strategies, tax status, risk appetite or investment horizon. If you require investment advice you should consult your tax and financial or other professional advisor.

         

        The information contained in this communication is not a research recommendation or ‘investment research’ and is classified as a ‘Marketing Communication’ in accordance with the Markets in Financial Instruments Directive (2014/65/EU) or applicable Swiss regulation. This means that this marketing communication (a) has not been prepared in accordance with legal requirements designed to promote the independence of investment research (b) is not subject to any prohibition on dealing ahead of the dissemination of investment research.

         

        All information is from SSGA unless otherwise noted and has been obtained from sources believed to be reliable, but its accuracy is not guaranteed.  There is no representation or warranty as to the current accuracy, reliability or completeness of, nor liability for, decisions based on such information and it should not be relied on as such.

         

        This content has been issued by State Street Global Advisors Europe Limited is regulated by the Central Bank of Ireland. Registered office address 78 Sir John Rogerson’s Quay, Dublin 2. Registered Number: 49934. T: +353 (0)1 776 3000. F: +353 (0)1 776 3300.

         

        FOR EUROPEAN SPDR ETFs and MANAGED FUNDS:

         

        Please refer to the Fund’s latest Key Information Document (KID) and Prospectus before making any final investment decision. The latest English version of the prospectus and the KID can be found at www.ssga.com/ch/en_gb/institutional/ic/fund-finder. A summary of investor rights can be found here:

         

        Managed Funds: https://www.ssga.com/library-content/products/fund-docs/summary-of-investor-rights/ssga-investors-rights-summary-non-etf-ireland.pdf

         

        SPDR ETFs: https://www.ssga.com/library-content/products/fund-docs/summary-of-investor-rights/ssga-spdr-investors-rights-summary.pdf

         

        Note that the Management Company may decide to terminate the arrangements made for marketing and proceed with de-notification in compliance with Article 93a of Directive 2009/65/EC.

         

        SPDR ETFs is the exchange traded funds ("ETF") platform of State Street Global Advisors and is comprised of funds that have been authorised by Central Bank of Ireland as open-ended UCITS investment companies.

         

        SSGA SPDR ETFs Europe I & SPDR ETFs Europe II plc issue SPDR ETFs, and is an open-ended investment company with variable capital having segregated liability between its sub-funds. The Company is organized as an Undertaking for Collective Investments in Transferable Securities (UCITS) under the laws of Ireland and authorized as a UCITS by the Central Bank of Ireland.


        For Ireland Unit Trust:

        The State Street Ireland Unit Trust was authorised by the Central Bank of Ireland as unit trust pursuant to the Unit Trusts Act, 1990 and the European Communities (Alternative Investment Fund Managers Directive) Regulations 2013 (as amended) as a Retail Investor Alternative Investment Fund on 30 June 2015. This document should be read in conjunction with its Prospectus and Supplement. All transactions should be based on the latest available Prospectus and Supplement which contain more information regarding the charges, expenses and risks involved in your investment. Prospective investors may obtain these reports free of charge from State Street Global Advisors Europe Limited which is regulated by the Central Bank of Ireland.

         

        FOR STRATEGIES:

         

        This document provides summary information regarding the Strategy. This document should be read in conjunction with the Strategy's Disclosure Document, which is available from SSGA. The Strategy Disclosure Document contains important information about the Strategy, including a description of a number of risks.

         

        The whole or any part of this work may not be reproduced, copied or transmitted or any of its contents disclosed to third parties without SSGA’s express written consent.

        4978691.4.1.EMEA.INST

        Exp: 30.06.2025

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