Defined Contribution

DC Investment Solutions

Whether index or active, target date or single strategy, our investment options are managed with a commitment to precision and the objectives to retain exposure to growth, manage downside risk, further diversification and curate a meaningful core menu.

Our DC Investment Options

Leveraging a full range of institutional capabilities to enhance retirement outcomes.

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Target Date Funds

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.

Since inception, outperformed 85%

Of peers, on average ¹

Lower volatility than 69%

Of peers, on average ¹

A glidepath composed of 10

Underlining strategies

Retirement Income

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.

Index Investing

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.

Active Solutions

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.

Institutional Cash Management

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.

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Footnotes

¹ Morningstar, State Street Global Advisors Investment Solutions Group (ISG) As of June 30, 2024. Gross Returns have been reduced by 9.4 basis points (0.7833 basis points monthly) to reflect a hypothetical investment management fee and compared to Morningstar peer universe for each respective vintage. Returns are net administrative costs (2.6 bps). Inception Dates: 2040, 2030, 2020, Income Strategies (04/05); 2015, 2025, 2035, 2045 Strategies (08/06); 2050 Strategy (10/07); 2055 Strategy (05/2011); 2060 Strategy (04/2015), and 2065 Strategy (12/2019). Past performance is not a guarantee of future results. The performance returns were calculated in US dollars. Diversification does not ensure a profit or guarantee against loss.

² QLAC payments are subject to the claims-paying ability of the issuing insurance company; it is possible that the issuing company may not be able to honor the annuity payments. The annuity is not provided by or guaranteed by State Street or any of its affiliates, including SSGA. QLAC purchases are subject to regulatory limitations. Participants who redeem from the fund prior to the annuity purchase will not be eligible for the annuity income benefits described in this document. Participants who are not in a fund vintage that aligns with a retirement age of 65 may not obtain the annuity income benefits. QLAC: a form of a deferred income annuity that allows participants to defer a portion of their guaranteed income payments to a later age, and reduce their DC plan balance subject to required minimum distribution (RMD) rules.

³ Average US life expectancy at age 80 is 9.48 years (UN population projections). The annuity described in this paper incorporates a return of premium and cash refund benefit. This means that if the participant (and spouse in the case of a J&S annuitant) dies before they have recouped their initial premium, the difference between the initial premium and the payments received will be returned to the estate.

⁴ Annuities are issued by third-party insurance companies, which are not affiliated with any State Street Bank and Trust Company entity, including SSGA.

Disclosure