STRATEGIC PLAN DESIGN

Leveraging the power of smart plan design

We understand the influence that plan design can have on saving and investing behaviors. We offer solutions designed to improve the retirement readiness of your participants.

Understanding the impact of interdependencies

Your DC plan is a dynamic ecosystem. We can help you recognize, for example, how your company match and your core menu composition may influence your participants’ typical asset allocation.

Protecting against unexpected shocks

We work with clients to understand how unexpected shocks, such as a low-return environment, can influence savings rates and other plan design features.

 

Your Plan: An Ecosystem in Action

Each component of a defined contribution plan is a dynamic part of a larger whole, meaning that changes in one aspect may affect others in surprising ways. We help plan sponsors better understand the interrelatedness of their plan—such as the impact of menu design on participation rates and asset allocation, and the effect the savings default has on participant engagement. We can help you look at the entire ecosystem of your defined contribution plan to improve retirement readiness for participants.

Asset Allocation

Menu Design

Participation

This information is for informational purposes only, not to be construed as investment advice or a recommendation or offer to buy or sell any security. Investors should always obtain and read an up-to-date investment services description or prospectus before deciding whether to appoint an investment manager or to invest in a fund. Any views expressed herein are those of the author(s), are based on available information, and are subject to change without notice. Individual portfolio management teams may hold different views and may make different investment decisions for different clients. There are no guarantees regarding the achievement of investment objectives, target returns, portfolio construction, allocations or measurements such as alpha, tracking error, stock weightings and other information ratios. The views and strategies described may not be suitable for all investors. SSGA does not provide tax or legal advice. Prospective investors should consult with a tax or legal advisor before making any investment decision. Investing entails risks and there can be no assurance that SSGA will achieve profits or avoid incurring losses.

Performance quoted represents past performance, which is no guarantee of future results. Investment return and principal value will fluctuate, so you may have a gain or loss when shares are sold. Current performance may be higher or lower than that quoted.