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Defined Contribution
DC Investment Solutions
Whether index or active, target date or single strategy, our investment options are managed with a commitment to precision and the objectives to:
- Retain exposure to growth
- Manage downside risk
- Further diversification
- Curate a meaningful core menu
DC Investment Options
Leveraging a full range of institutional capabilities to enhance retirement outcomes.
Target Date Funds
Our index-based target date funds apply a finer lens to asset class and index selection, utilizing twice as many asset classes as other leading index-based managers. In doing so, our differentiated glidepath management approach strives to mitigate the risks investors face along their savings journey.
Featured TDF Insights
Everything Has a Purpose
Illustrating how true diversification manages risks and benefits at each stage of savers’ lives.
Retirement Income
Making Life Savings Last a Lifetime
People are living longer, a trend that translates into longer retirements and requires spending strategies to make money last. Retirement income offers a solution to the uneven spending that is driven by the great unknowns: health care, debt, lifespans.
*Assumed age at retirement; The information contained above is for illustrative purposes only. Participants who redeemprior to the annuity purchase will not be eligible for annuity income benefits. QLAC purchase is subject to market availability.
Index Investing
Choosing the Right Manager Matters
Our index investing approach balances human insights with technology, a style that is particularly meaningful in the DC space, where individual and institutional interests coincide. At State Street, we provide access to investing scale, sophisticated investment vehicle selection and securities lending options.
Featured Indexing Insights
A Closer Look at Small/Mid Cap Indices
Historically, the Russell Small Cap Completeness and Russell 2500 benchmarks have delivered comparable results. However, in 2020 the gap in performance widened, highlighting how subtle differences in index construction can lead to significant divergence.
Active Solutions
Applying Precision for Pre-Retirees
Active management can play an important role in providing participants, particularly those closest to retirement, with meaningful levels of replacement income. However, the pre-retiree population doesn’t have as much time to absorb market volatility as their younger counterparts, meaning active strategies for this segment are most effective when returns are gained strategically, not in feverish pursuit of alpha.
Reinventing the DC Core Investment Menu
Those closest to retirement are most heavily invested in the core. But are their investments and menu options the right ones?
Institutional Cash Management
In addition to the asset categories highlighted above, we offer institutional cash management services with a specific application for DC plans, offering a low-risk, “stable value” option for plan lineups. To learn more about our cash solutions, visit https://www.ssga.com/cash/us.html.
1. An annuity contract’s financial guarantees are solely the responsibility of and are subject to the claims-paying ability of the issuing insurance company.
2. Average US life expectancy at age 80 is 9.48 years (UN population projections). The annuity described in this paper incorporates a return of premium and cash refund benefit. This means that if the participant (and spouse in the case of a J&S annuitant) dies before they have recouped their initial premium, the difference between the initial premium and the payments received will be returned to the estate.
3. Annuities are issued by third-party insurance companies, which are not affiliated with any State Street Bank and Trust Company entity, including SSGA.