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        Defined Contribution

        Investment Solutions for Workplace Pension Plans

        The landscape for defined contribution (DC) plans is constantly changing, and our investment solutions are evolving to anticipate the opportunities and challenges presented by the new retirement era.

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        Olivia Kennedy, CFA
        Head of European Institutional Strategy

        Our Expertise

        Anchored in ongoing research and driven by more than 40 years1 of defined contribution (DC) investment, policy, and behavioural insights, State Street takes an integrated approach to addressing the challenges surrounding retirement readiness. We serve relationships that span the retirement industry, including leading defined contribution master trusts, providers, corporate plans and consultants.

        AUM £845B

        DC Plan Assets 2

        Clients 33M

        Participants 3

        Target Date Assets £216B

        Target Retirement AUM 2

        Global Retirement Reality Report (GR3)

        Global Retirement Reality Report

        Our Global Retirement Reality Report (GR3) delivers insights from our 2025 retirement survey. Explore savers’ top concerns and how retirement providers can help.

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        Our Offerings Timewise Target Date Funds

        Timewise Target Date Funds

        Serving workplace schemes with a default that’s dynamic, adaptable and intuitive.

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        Timewise Target Retirement Funds 2025 Annual Review

        Each year, the Defined Contribution Investment Group (DCIG) conducts a comprehensive review of its target retirement strategies.

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        Celebrating 10 Years of Timewise

        November 2024 marked the ten-year anniversary of State Street Global Advisors’ Timewise Target Retirement Funds.

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        Explore our complementary solutions

        Sustainable Investing

        Our sustainable investing capabilities combine deep research, investment expertise, a proprietary toolkit, and transparent reporting to offer investors diverse options and insights that support confident, goal-aligned decision-making.

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        Equities

        We offer a wide range of strategies and solutions across the equity spectrum spanning asset classes, investment styles, and market capitalizations.

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        Fixed Income

        Our fixed income solutions run the full gamut of the world’s fixed income opportunities, designed to meet the varied objectives of our clients across geographic, duration, and credit-risk dimensions.

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        Innovation in DC

        Why DC Pension Schemes Should Consider Hedge Fund Beta

        Defined Contribution plans in the UK require innovative approaches to counter key risks. In our latest paper, we discuss why DC plans should consider diversifying into alternative asset classes.

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        Latest Insights

        View All DC Insights

        Our Research

        2024 – New Choices, Big Decisions - Unravelling the Impact of the Cost of Living Crisis

        Early retirees are returning to work partly due to rising living costs, often choosing part-time, low-stress roles. An ongoing study, running since 2016 in collaboration with The People’s Pension highlights the need for financial strategies and retirement planning to address these challenges.

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        2023 – Global Retirement Reality Report - Regaining Retirement Confidence in a Post-Pandemic Environment

        Fielded since 2018, the Global Retirement Reality Report (GR3) provides insight into how world events, government policy, economic trends, and societal attitudes impact retirement plan participants’ views on preparing for and living in retirement.

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        2022 – Pensions Policy Institute - How will future pensioners use guaranteed income products?

        Sponsored by State Street and commissioned by PPI, the report explores the role that guaranteed retirement income products may play in the future.

        Global Report

        2021 - New Choices, Big Decisions – 5 Years On

        Five years on from the introduction of Pension Freedoms, new research by The People’s Pension and State Street Global Advisors has shown that mature savers are sleepwalking into retirement.

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        2016 - New Choices, Big Decisions - Pensions Personalities (Part 2)

        Building on our earlier study of decision-making, this report by SSGA and The People’s Pension takes a deeper look into the future, analysing how personality traits could influence retirement income and expanding on the findings of the initial research.

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        2016 - New Choices, Big Decisions - Exploring Consumer Decision Making and Behaviours Under Pension Freedom and Choice (Part 1)

        Following the introduction of pension freedoms, SSGA and The People’s Pension explored how people are making retirement decisions. Our research tracked each step of the decision-making process over six months, highlighting 10 key questions savers should ask themselves to make the most of their retirement savings.

        Read Report

        Note : Please note that the following reports are historical in nature and do not reflect current market conditions. They provide insights into past trends and events, serving as a reference for historical analysis. Past performance is not indicative for future results.

        DC Leadership

        Bio Image of Alistair John Byrne

        Alistair John Byrne, CFA, Ph.D.

        Head of Retirement Strategy and UK Distribution

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        Bio Image of Christopher Timms

        Christopher Timms, CFA

        Head of UK Sales and Strategic Partnerships

        Read Full Bio
        Bio Image of Olivia Kennedy

        Olivia Kennedy, CFA

        Head of European Institutional Strategy

        Read Full Bio

        MARKETING COMMUNICATION         

                                                                                                                 

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        SSGA SPDR ETFs Europe I & SPDR ETFs Europe II plc issue SPDR ETFs, and is an open-ended investment company with variable capital having segregated liability between its sub-funds. The Company is organized as an Undertaking for Collective Investments in Transferable Securities (UCITS) under the laws of Ireland and authorized as a UCITS by the Central Bank of Ireland.

         

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        Managed Pension Funds:

         

        Investing in the Managed Pension Fund is effected by means of an insurance policy written by Managed Pension Funds Limited, a member of the State Street group of companies. This document should not be construed as an invitation or inducement to engage in investment activity. The Managed Pension Fund is available to pension schemes (including overseas schemes) registered with HM Revenue and Customs for the purposes of Chapter 2 of Part IV of the Finance Act 2004. This document should therefore only be circulated to the Trustees of such schemes and their advisers who are deemed to be professional persons (this includes professional clients and eligible counterparties as defined by the Financial Conduct Authority). It should not be circulated to or relied upon by any other persons. In particular scheme members should consult with their employer or scheme trustee. Please note that neither State Street Global Advisors Limited or Managed Pension Funds Limited offer actuarial services and any investment service undertaken by those firms with an objective of matching projected pension fund liabilities does not include, or take responsibility for, the calculation of projected liabilities. Any illustrations exclude the impact of fees, and actual investment returns may differ from projected cashflows, these projected cashflows are not projections of any future benefit payable under a specific policy.

         

        We recommend you read the MPF Key Features Document and Policy Document for full details about the Fund, including fees and risks. Please refer to the “General Risks Applicable to All Sub-Funds” and to the relevant “Sub-Fund Specific Risk Factors” sections of the “Key Features of Managed Pension Funds Limited” document, which is available at: https://www.ssga.com/publications/firm/Key-Features-of-Managed-Pension-Funds-Limited.pdf

         

        FOR STRATEGIES:

         

        This document provides summary information regarding the Strategy. This document should be read in conjunction with the Strategy's Disclosure Document, which is available from SSGA. The Strategy Disclosure Document contains important information about the Strategy, including a description of a number of risks.
         

        US SPDR ETFs

         

        NOTICE TO PERSONS IN THE EUROPEAN ECONOMIC AREA ("EEA")

         

        The Certain US Domiciled funds mentioned on the website is permitted to market into the relevant EEA jurisdiction with UK audience pursuant to either Article 42 of AIFMD (if and as implemented under national laws of such member state); or (ii) can otherwise be lawfully offered or sold (including on the basis of an unsolicited request from a professional client/qualified investor).

         

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        These Certain US Domiciled funds provided on the website is an alternative investment funds for the purpose of the European Union Alternative Investment Fund Managers Directive (Directive 2011/61/EU) ("AIFMD"). SSGA Funds Management, Inc. or State Street Global Advisors Trust Company (excluding SPDR® Gold Trust (“GLD®”) and SPDR® Gold MiniShares® Trust (“GLDM®”) is the alternative investment fund manager ("AIFM") of the fund.

         

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        Before investing, consider the funds’ investment objectives, risks, charges and expenses. To obtain a prospectus which contains this and other information, visit ssga.com or talk to your financial advisor. Read it carefully before investing.

         

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