Cash Balance Strategies

Cash Balance Conservative Overview

The Sage Cash Balance Conservative Strategy will seek to earn, on an annual basis, the 10 Year Constant Maturity Treasury Rate (10 Yr CMT) as published at the end of the prior year while limiting volatility and downside risk. This Strategy is a conservative fixed income strategy with an intermediate duration target that will primarily invest in investment grade fixed income securities. Once the Interest Credit Rate is achieved in an annual period, the risk profile of the Strategy will likely be reduced.

Cash Balance Moderate

The Sage Cash Balance Moderate Strategy will seek to earn, on an annual basis, the 30 Year Constant Maturity Treasury Rate (30 Yr CMT) while limiting volatility and downside risk. The Strategy will invest in the fixed-income, equity and alternative market segments. With a target allocation of 25% equity and 75% fixed income, tactical allocation decisions will be applied on two levels: at the broad asset class level and within the various fixed-income, equity and alternative market segments. Once the Interest Credit Rate is achieved in an annual period, the risk profile of the Strategy will likely be reduced.

Cash Balance Growth

The Sage Cash Balance Growth Strategy will seek to earn, on an annual basis, a fixed crediting rate (5%) while limiting volatility and downside risk. The Strategy will invest in the fixed-income, equity and alternative market segments. With a target allocation of 50% equity and alternatives and 50% fixed income, tactical allocation decisions will be applied on two levels: at the broad asset class level and within the various fixed-income, equity and alternative market segments. Once the Interest Credit Rate is achieved in an annual period, the risk profile of the Strategy will likely be reduced.