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The website you are accessing is created and maintained by another entity. We make no representation or warranty with respect to the information contained on the site or that it is appropriate in all jurisdictions or countries, or for use by all investors or counterparties. The products and services discussed at this site may not be appropriate for sale or use by all investors or counterparties. By providing this link, we are not providing you with investment advice or offering securities for sale to you. All persons and entities that access this site do so on their own initiative and are responsible for compliance with applicable local laws and regulations.

You are leaving SSGA.com

The website you are accessing is created and maintained by another entity. We make no representation or warranty with respect to the information contained on the site or that it is appropriate in all jurisdictions or countries, or for use by all investors or counterparties. The products and services discussed at this site may not be appropriate for sale or use by all investors or counterparties. By providing this link, we are not providing you with investment advice or offering securities for sale to you. All persons and entities that access this site do so on their own initiative and are responsible for compliance with applicable local laws and regulations.

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Centralized Systematic Valuation Aggregated Cash Flow (ACF Files)

This information provided is calculated by Bloomberg Finance L.P., a third party not affiliated with SSGA. Neither SSGA nor its affiliates assume any liability for or guarantee the timeliness, accuracy and completeness of the information provided. The information provided is as of the date indicated and is subject to change.

This analysis or any portion thereof may not be revised or changed in any way, reprinted, sold or redistributed without the written consent of SSGA.

This cash flow table and the data contained herein (together, "Content") is provided for informational purposes only, on an "as is" basis. No source of Content, or any of its affiliates (each a "Source"), makes any warranty, express or implied, that the Content is accurate, complete or error-free, and it should not be relied upon as such. No Source guarantees the timeliness, reliability, performance, continued availability, or currency of the Content or any results obtained therefrom. No Source shall be liable for any damages, including without limitation, any special, punitive, indirect, incidental or consequential damages, or any lost profits, arising from the use of or reliance on the Content, even if advised of the possibility of such damages. Nothing in the Content shall constitute or be construed as an offering of financial instruments by any Source, or as investment advice or recommendations by such entities of an investment strategy or whether or not to "buy", "sell" or "hold" an investment.

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Defined Contribution

Participant Engagement

Inspiring Individuals to Look Ahead

Retirement readiness works best as a collaborative experience, with participants and plan sponsors benefiting from knowledgeable partners who can provide and coordinate expertise in the forms of:

  • Solutions to support life’s transitions, at employer and legislative levels
  • Practical financial wellness guidance for sponsors and savers
  • Communications to educate and inspire individuals today in pursuit of their goals tomorrow     

At State Street, our dedicated Participant Engagement team is positioned at the intersection of investment strategy, public policy and marketing execution, working directly with sponsors to develop effective participant outreach strategies that drive action.

Life Stage

Meeting Participants (and Sponsors) at Every Stage

First job. Next job. New family and financial commitments. Retirement within reach. 

Participants are balancing financial and personal transitions at every stage of life. Many look to their employers to help navigate through the complexity. However, employers have challenges of their own, from managing a workforce to coping with regulatory shifts to providing a DC plan that works for every employee.

At State Street, we’re here to support plan sponsors and empower participants by:

Seeing the Participant’s Perspective 

Student Debt vs. Retirement Savings: How Employers Can Help 

Are DIY Investors out of Their Depth? 

Pushing for Policies That Work

Student Loans vs. Retirement Savings: IRS Rules Support Employers Addressing the Contribution Clash

How MEPs Will Change Retirement

Financial Wellness

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Advances in retirement plan design and automation may have improved the system of saving, but they haven’t removed the strain. 

6 Steps to Bring Financial Wellness to the Workplace

Use this framework to help start financial wellness conversations in your organization.

Read More

The 3B’s Framework

Gain insight on how to inspire behavioral-based change within a benefits program.

35%

Employees say issues with personal finances have been a distraction at work 1

49%

Employees find it difficult to meet household expenses on time each month 2

39%

American adults would not be able to cover a $400 emergency with cash, savings or a credit card that could be paid off quickly 3

By committing to improve employees’ financial wellness, sponsors have the opportunity to see employees holistically, lessen participants’ anxiety and cultivate their happiness — gaining productivity in the process.4    

Our financial wellness resources can support the launch or expansion of programs that strive to improve participants’ financial habits now and in retirement.

Communcations

Improving Outcomes With Thoughtful Outreach

The power of a carefully designed plan can be diminished if there is no outreach campaign to highlight plan details and participant benefits. 

Working from initial strategy to tactical execution, our dedicated Participant Engagement team offers plan communications and other resources to help ensure employees get the most out of their retirement plan by: 

Sharing Access to a Library of Content

Offering Educational Resources on a Range of Topics     

Target Date Funds
Real Asset Fund
IncomeWise
Footnotes

1, 2  PwC’s 8th annual Employee Financial Wellness Survey, PwC US, 2019. https://www.pwc.com/us/en/industries/private-company-services/library/financial-well-being-retirement-survey.html

3 Report on the Economic Well-Being of U.S. Households in 2018, Board of Governors of the
Federal Reserve System, May 2019. https://www.federalreserve.gov/publications/files/2018-report-economic-well-being-us-households-201905.pdf

4 Jeffrey Hayzlett, “Do Wellness Programs Make Employees More Productive? The Obvious Answer Is Yes,” Entrepreneur, March 2, 2018. https://www.entrepreneur.com/article/309685

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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.  

Images of NYSE Group, Inc. are used with permission of NYSE Group, Inc. Neither NYSE Group, Inc. nor its affiliated companies sponsor, approve of or endorse the contents of this program. Neither NYSE Group, Inc. nor its affiliated companies recommend or make any representation as to possible benefits from any securities or investments.

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