Mid/Late Career

Approach to Risk Reduction

Gradual Approach to Risk Reduction

State Street’s approach to de-risking complements our accumulation strategy. By holding onto our more efficient starting point for longer, we increase the opportunity for compounding returns by mid-career employees before steepening the de-risking slope into, and through, retirement. This materially improves wealth accumulation.

  •   Linear De-Risking
  •   Graduated De-Risking

Gradual Approach to Risk Reduction Graph

Participant Risk (%) Risk Level at Retirement