Capital Preservation Investments

Continuing to be a leading conservative manager

With more than 30 years of cash management experience for institutional investors, we are one of the largest capital preservation managers in the world.

Understanding the role of cash in defined contribution plans

Capital preservation investment options can play an important role in your participants' retirement planning - whether they are seeking to reduce exposure to volatility or meeting specific asset allocation needs.

Offering a broad range of choices

SSGA offers a broad range of conservative investment options that can be tailored to the needs of defined contribution plan participants.

 

Meeting a Diverse Set of Participant Needs

For participants who are building their own retirement portfolios, capital preservation investments may be appropriate for those who want to do the following:

  • Protect their account balances from market fluctuations
  • Prepare to make withdrawals for retirement income
  • Have an investment strategy outside of their defined contribution plan that warrants a conservative approach within the plan

 

Drawing Upon Three Decades of Experience

At SSGA, we have extensive knowledge of—and experience in—the capital preservation marketplace. For more than 30 years, our broad array of short-term strategies, combined with the depth of talent in our investment management team, has made us one of the largest capital preservation managers in the world. Our solutions are backed by market intelligence, advanced research and sophisticated risk management tools.


A money market fund (also called a money market mutual fund) is an open-ended mutual fund that invests in short-term debt securities such as US Treasury bills and commercial paper. Regulated in the United States under the Investment Company Act of 1940, money market funds are important providers of liquidity to investors.

Treasury money market funds primarily invest in obligations that are issued or guaranteed as to principal and interest by the U.S. government and repurchase agreements backed by such securities and that mature in a year or less.
Government money market funds primarily invest in government debt and that mature in a year or less. Prime money market funds invest generally in floating/variable rate debt and commercial paper of corporations and securities of the US government and agencies.

Short-term bond funds are a fixed-income portfolio primarily containing securities with maturities from one to three years.