The Sage Cash Balance Ultra Conservative Strategy will seek to earn, on an annual basis, a return ranging between 1%-3%, while limiting volatility and downside risk. The Strategy will invest primarily in fixed-income market segments. A target asset allocation will be set at the beginning of each calendar year. Tactical allocation changes will be made throughout the year based on changing economic and market conditions. As the Strategy makes progress towards the annual return target, the risk profile of the Strategy will likely be reduced.
Product Categories: Retirement
Cash Balance Strategy Monitor March 31, 2020
This monthly research piece provides portfolio positioning and commentary for the Sage KIS Cash Balance CITs. This includes each strategy’s asset allocation evolution and a portfolio risk dashboard.
Cash Balance Strategy Monitor February 29, 2020
This monthly research piece provides portfolio positioning and commentary for the Sage KIS Cash Balance CITs. This includes each strategy’s asset allocation evolution and a portfolio risk dashboard.
Sage KIS Cash Balance CITs Overview
Sage Cash Balance Strategies are specifically designed and managed to meet common Cash Balance Plan objectives including principal protection, common interest crediting rate targets and an awareness of the annual investment time horizon.
Feeling Insecure About the SECURE Act?
August 1, 2019 – After the SECURE Act passed quickly through the House of Representatives on May 23 with near-unanimous support, it has unfortunately stalled in the Senate.
Potential Winners of the SECURE Act (other than the American people)
May 30, 2019 — Last week, the House passed the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019. It was a clear win for the American People, many of whom are in desperate need of ways to enhance their dreary retirement savings prospects.
Landmark Retirement Reform Legislation May Finally Become a Reality
May 24, 2019 — On Thursday morning, the House of Representatives took a big step toward sweeping retirement reform. A bipartisan legislation package was near-unanimously approved by the House 417-3 (no thanks to dissenting GOP Reps. Justin Amash (R-MI), Thomas Massie (R-KY), and Chip Roy (R-TX)).
Pensions Enjoy Lump-Sum Savings in 2019
February 13, 2019 — Lump sum offerings can be valuable in transferring risk away the from plan sponsor by reducing a defined benefit plan’s overall liability exposure.
Pensions: Don’t Repeat Mistakes of the Past
January 30, 2019 — In 2019, by most accounts, corporate defined benefit (DB) plans are pretty well-funded. Their equity allocations benefited from the 10-year bull market, and their liabilities have come down as interest rates have risen from their post-crisis lows.
Practical Tips for Public Pension Plans
September 20, 2018 — Although not all public pensions are poorly funded, the average public plan’s funded ratio is still well below its pre-financial crisis level. In this piece we outline some practical tips to protect plan participants, reduce risk, and make the most of limited resources.