Whether index or active, target date or single strategy, our investment options are managed with a commitment to precision and the objectives to:
DC Investment Options
Leveraging a full range of institutional capabilities to enhance retirement outcomes.
Unlocking the Value of Diversification
Our index-based target date funds apply a finer lens to asset class and index selection, utilizing twice as many asset classes as other leading index-based managers. In doing so, our differentiated glidepath management approach strives to mitigate the risks investors face along their savings journey.
of peers, on average i
of peers, on average i
underlining strategies
Illustrating how true diversification manages risks and benefits at each stage of savers’ lives.
Source: State StreetGlobal Advisors Defined Contribution;
*Assumed age at retirement; The information contained above is for illustrative purposes only. Participants who redeemprior to the annuity purchase will not be eligible for annuity income benefits. QLAC purchase is subject to market availability.
Making Life Savings Last a Lifetime
People are living longer, a trend that translates into longer retirements and requires spending strategies to make money last. Retirement income offers a solution to the uneven spending that is driven by the great unknowns: health care, debt, lifespans.
Furthering Retirement Income Options and Innovations
Choosing the Right Manager Matters
Our index investing approach balances human insights with technology, a style that is particularly meaningful in the DC space, where individual and institutional interests coincide. At State Street, we provide access to investing scale, sophisticated investment vehicle selection and securities lending options.
What to Ask Your Index Manager
Fee compression has focused investors’ index manager selection on one important but limited criterion: price. We believe investors should be asking more questions.
Applying Precision for Pre-Retirees
Active management can play an important role in providing participants, particularly those closest to retirement, with meaningful levels of replacement income. However, the pre-retiree population doesn’t have as much time to absorb market volatility as their younger counterparts, meaning active strategies for this segment are most effective when returns are gained strategically, not in feverish pursuit of alpha.
Reinventing the DC Core Investment Menu
Those closest to retirement are most heavily invested in the core. But are their investments and menu options the right ones?
In addition to the asset categories highlighted above, we offer institutional cash management services with a specific application for DC plans, offering a low-risk, “stable value” option for plan lineups. To learn more about our cash solutions, visit https://www.ssga.com/us.html.