Do emergency savings equal better retirement? See our latest research for more insights into the needs and challenges for plan sponsors and participants.

Intech illustrates factor investing’s fragile alpha potential and increasing constraints. Understand factor exposure beyond advertised claims of compensated risks. You may find the need to diversify – even limit – your exposure to them because of the uncompensated risks they represent.

ESG investments are already norm. Asset owners who are ahead with ESG investments will need to understand the risk characteristics of high ESG-rated stocks, when managing ESG incorporated portfolios. You will find out the hint in this paper.

Institutional investors have embraced commercial real estate, but their reluctance to allocate to equity REITs has been costly for beneficiaries over the last decade. As the search for yield continues, a fresh look at equity REITs is warranted.

New thinking to deliver optimized participant outcomes. Access our award-winning publication Shifting DC Times.

In our annual Global Investment Forum, BMO's multi-asset team gathered to formulate their annual outlook global market outlook. Topics and findings include environmental issues and decarbonization, Brexit, globalization and shorter term views on the markets.

ESG investments are already norm. Asset owners who are ahead with ESG investments will need to understand the risk characteristics of high ESG-rated stocks, when managing ESG incorporated portfolios. You will find out the hint in this paper.

For investors with long time horizons and the risk tolerance, opportunistic credit may offer diversification benefits and attractive return potential.

62% of DC participants worry about retirement income – yet very few take advantage of guaranteed solutions. Our latest paper explores how plan design and default options may overcome barriers and reframe the income conversation.

Should high yield investors go global? See how shedding the home-country bias in high yield offers improved potential for diversification and creates meaningful advantages for investors seeking a wider range of alpha sources.

403(b) participants are less confident about retirement and are more likely to ask for help than their 401(k) counterparts. See our latest research for more insights into the needs and challenges of 403(b) plan sponsors and participants.

State Street’s 2019 Global Retirement Reality Report explores how employers and other retirement plan administrators across the globe see their role in defined contribution plan management, prioritize plan simplicity and look to support the next generation of retirement happiness.

Accommodative monetary policy has fostered an environment where yields on many traditional core and core plus strategies aren’t keeping pace with investors’ spending needs. More flexible, multi-sector fixed income strategies that can complement core and core plus mandates warrant consideration.

Applying a process designed for small pension risk transfer (PRT) transactions resulting from plan terminations to today’s large, discretionary transactions may produce suboptimal results for plan sponsors. Analysis by Athene suggests that ongoing price monitoring can drive improved outcomes.

In our Spring 2019 edition of The Participant, we explore shifts in investment, policy and participant behaviors and consider what these changes could mean for the future of retirement. Learn more at ssga.com/ThePartipant