Retirement Plans

We craft custom solutions for liability-focused retirement plans with offerings that include asset/liability analysis, asset allocation guidance, and liability-hedging strategies.

LDI Strategies


We build custom LDI strategies designed to match the liability profile, goals, and risk tolerance of the plan sponsor. Our research professionals produce robust asset/liability analysis and interact daily with our portfolio management team to ensure successful implementation of tailored portfolios. Our LDI investment process is rooted in actual market conditions and guided by a strong risk management discipline.

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Cash Balance Strategies


We craft custom institutional solutions for large Cash Balance Plans and offer scalable separate account strategies for startup and smaller plans. The scalable strategies, which are implemented with ETFs, are 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 me horizon.

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Cash Balance CITs


Sage and kPlans Investment Services (KIS) act as co-advisors to a series of Cash Balance Collective Investment Trusts (CITs). The CITs offer plans efficient access to investment solutions designed and managed to meet common Cash Balance Plan objectives. Sage and KIS work together to provide a full complement of investment tools and expertise necessary to serve the unique needs of all sizes of Cash Balance plan clients.

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Featured Insights

Retirement

5 Reasons to Add Cash Balance Plans to Your Toolkit

Cash Balance Plans are a type of tax qualified retirement plan that allow business owners to make large tax deductible contributions . . .

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Retirement

Practical Tips for Public Pension Plans

Although not all public pensions are poorly funded, the average public plan’s funded ratio is still well below its pre-financial crisis level . . .

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Retirement

LDI for Public Defined Benefit Plans: Split the Risk to Meet Objectives

The rules governing public DB plans make the application of asset/liability management uniquely different from their corporate DB siblings. . . .

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