Retirement Plans

We build liability-oriented investment strategies for Pension and Cash Balance Plans, along with asset allocation strategies for 401(k) Plans. Our investment, research, and quantitative analysis teams have developed a robust framework for plan analysis, portfolio construction, and ongoing monitoring and support.

Liability Driven Investing


Our firm began offering asset/liability management analytics and liability driven investment solutions for defined benefit plans in 1999, long before LDI and pension plan de-risking became common. Our professionals, which include Chartered Financial Analysts, accredited fiduciaries, actuaries, and attorneys, implement LDI strategies for single-employer, multiemployer, and public plans. We also provide risk transfer, termination analysis, de-risking glide path construction, and completion manager services.

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LDI Comprehensive Solution

We recognize that each plan — and plan sponsor — is unique. We customize our LDI solutions to match the liability profile, goals, and risk tolerance of the plan sponsor. Our portfolio manager and ALM professionals interact daily to ensure successful implementation of tailored portfolios.

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LDI Small Plan Solution

We have developed a streamlined analytical approach and investment process that allows small plans access to LDI solutions previously available only to large plans. For small plans, Sage crafts customized LDI solutions that are implemented entirely with exchange-traded funds (ETFs).

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Cash Balance Plans


Cash Balance Plans are Defined Benefit Plans with Defined Contribution Plan attributes that require an investment approach tailored to their unique structure. We have a long history of building investment solutions for Cash Balance Plan clients that incorporate their interest crediting rate, risk tolerance, and liquidity needs. In addition to building custom solutions for CB clients, we have a developed a suite of scalable investment strategies designed for the small plan space.

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Cash Balance Strategies

Our Cash Balance Strategies provide plan participants with three scalable investment solutions designed to address the most common return targets and risk profiles. Each strategy is implemented entirely with ETFs and leverages our analytical framework for Cash Balance portfolio construction and expertise in managing multi-asset class asset allocation strategies.

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Cash Balance Custom Solutions

Our team will craft custom investment strategies designed to match the liability profile, goals, and overall risk tolerance of the plan sponsor. Our analytical process is explicitly focused on understanding these unique constraints and translating them into an appropriate investment strategy.

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Featured Insights

Sage Responsible Investment Policy

At Sage Advisory Services, we believe environmental, social and governance (ESG) considerations are an important driver of long-term investment returns from both. . .

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Highlights and Holdings 2Q19

Highlights & Holdings provides a thoughtful analysis for some of the key holdings in Sage’s Environmental, Social, and Governance (ESG) portfolios. . . .

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Asset Allocation Perspectives August 2019

This presentation outlines the macroeconomic landscape, monetary policy outlook, relative valuations, and how Sage is positioned in the current environment.

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