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        Defined Contribution

        Investment Design for Workplace Pension Plans

        The landscape for defined contribution (DC) plans is constantly changing, and our investment solutions are evolving to anticipate the opportunities and challenges presented by the new retirement era.

        Our Expertise

        Experience

         More than 30 years of defined contribution (DC) investments

        Client focus

        The client-centric approach that we pursue prioritises the development
        of bespoke solutions to best realise the specific goals of members throughout their retirement journey.

        Innovation

        Our product design aims to solve for the main DC challenges (e.g. longevity risk, underfunded pensions pots) by focusing on achieving efficient growth and income adequacy at retirement.

        Thought leadership

        Comprehensive and ongoing research and insights into DC members’ behavioural patterns, market trends, public policy, ESG and sustainability.

        Scale

        State Street Global Advisors is one of the world’s largest asset managers with over $4 trillion of clients’ funds under management. Anchored by a long history of innovation and pioneering products, we have been at the forefront change in the asset management industry and the breadth of our index and active strategies underpin our ability to create cost-effective solutions.  

        AUM £758B

        DC Plan Assets 3

        Clients 32M

        Participants 4

        Target Date Assets £161B

        Target Retirement AUM 3

        Our Offerings

        Target Date Funds

        Unlocking the value of diversification by leveraging more precisely selected asset classes

        Learn More

        Timewise Target Retirement Funds 2023 Annual Review – UK

        Each year, the Defined Contribution Investment Group (DCIG) conducts a comprehensive review of its target retirement strategies.

        Learn More

        New Release

        New Choices, Big Decisions

        This joint research with People’s Partnership, now in its fifth wave, aims to provide rich insights into the challenges of making financial decisions about retirement income by looking in depth at the lives and finances of our respondents and tracking them over time.

        Read the report

        Latest Insights

        Our Research

        2022 – The Retirement Prism: Seeing Now and Later

        While the devastation of COVID-19 decelerated, employees contended with new challenges: inflation, Russia-Ukraine war impacts (including rising energy prices), and a changing relationship with work.

        Global Report

        2022 – Pensions Policy Institute

        How will future pensioners use guaranteed income products? Sponsored by State Street

        Read Report

        2021 - New Choices, Big Decisions – 5 Years On

        Five years on from the introduction of Pension Freedoms, new research by The People’s Pension and State Street Global Advisors has shown that mature savers are sleepwalking into retirement

        Read Report

        DC Leadership

        Bio Image of Alistair John Byrne

        Alistair John Byrne, CFA, Ph.D.

        Head of Retirement Strategy and UK Distribution

        Read Full Bio
        Bio Image of Brendan Curran

        Brendan Curran, CFA

        Head of US Defined Contribution

        Read Full Bio
        Bio Image of Christopher Timms

        Christopher Timms, CFA

        Head of UK Sales and Strategic Partnerships

        Read Full Bio

        MARKETING COMMUNICATION

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        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.

         

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        Please refer to the Fund’s latest Key Investor Information Document (KIID) and Prospectus before making any final investment decision. The latest English version of the prospectus and the KIID 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.

         

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        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.


        Managed Pension Funds:

        Investing in the Managed Pension Fund is effected by means of an insurance policy written by Managed Pension Funds Limited, a member of the State Street group of companies. This document should not be construed as an invitation or inducement to engage in investment activity. The Managed Pension Fund is available to pension schemes (including overseas schemes) registered with HM Revenue and Customs for the purposes of Chapter 2 of Part IV of the Finance Act 2004. This document should therefore only be circulated to the Trustees of such schemes and their advisers who are deemed to be professional persons (this includes professional clients and eligible counterparties as defined by the Financial Conduct Authority). It should not be circulated to or relied upon by any other persons. In particular scheme members should consult with their employer or scheme trustee. Please note that neither State Street Global Advisors Limited or Managed Pension Funds Limited offer actuarial services and any investment service undertaken by those firms with an objective of matching projected pension fund liabilities does not include, or take responsibility for, the calculation of projected liabilities. Any illustrations exclude the impact of fees, and actual investment returns may differ from projected cashflows, these projected cashflows are not projections of any future benefit payable under a specific policy.

         

        We recommend you read the MPF Key Features Document and Policy Document for full details about the Fund, including fees and risks. Please refer to the “General Risks Applicable to All Sub-Funds” and to the relevant “Sub-Fund Specific Risk Factors” sections of the “Key Features of Managed Pension Funds Limited” document, which is available at: https://www.ssga.com/publications/firm/Key-Features-of-Managed-Pension-Funds-Limited.pdf

         

        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.
         

        US SPDR ETFs

         

        NOTICE TO PERSONS IN THE EUROPEAN ECONOMIC AREA ("EEA")

         

        The Certain US Domiciled funds mentioned on the website is permitted to market into the relevant EEA jurisdiction with UK audience pursuant to either Article 42 of AIFMD (if and as implemented under national laws of such member state); or (ii) can otherwise be lawfully offered or sold (including on the basis of an unsolicited request from a professional client/qualified investor).

         

        The Certain US Domiciled funds mentioned on the website is an alternative investment fund for the purpose of the European Union Alternative Investment Fund Managers Directive (Directive 2011/61/EU) (the “AIFMD”). It is not a regulated collective investment scheme for purposes of the Financial Services and Markets Act 2000 of the United Kingdom (“FSMA”). The promotion of these Certain US Domiciled funds and the distribution of this material in the UK is restricted by law to Professional Investors Only.

         

        These Certain US Domiciled funds provided on the website is an alternative investment funds for the purpose of the European Union Alternative Investment Fund Managers Directive (Directive 2011/61/EU) ("AIFMD"). SSGA Funds Management, Inc. or State Street Global Advisors Trust Company (excluding SPDR® Gold Trust (“GLD®”) and SPDR® Gold MiniShares® Trust (“GLDM®”) is the alternative investment fund manager ("AIFM") of the fund.

         

        SSGA Funds Management, Inc. serves as the investment advisor to the SPDR ETFs that are registered with the United States Securities and Exchange Commission under the Investment Company Act of 1940. SSGA Funds Management, Inc. is an affiliate of State Street Global Advisors Limited.

         

        Before investing, consider the funds’ investment objectives, risks, charges and expenses. To obtain a prospectus which contains this and other information, visit ssga.com or talk to your financial advisor. Read it carefully before investing.

         

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        4978691.4.1.EMEA.INST

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