Helping members save for retirement is only half the battle. The challenge? Helping them turn those savings into sustainable income. With rising life expectancy, volatile markets, and limited investment tools in most capital accumulation plans (CAPs), decumulation has become one of the most complex problems in retirement planning.
This white paper from TD Asset Management outlines practical solutions plan sponsors can use to support members in their spending years. Learning how tools like private alternatives, higher Sharpe Ratio strategies, and dynamic withdrawals can significantly improve retirement outcomes.
The five competing goals retirees face—and how trade-offs can undermine outcomes
How sequence of return risk can quietly erode retirement savings
Why higher Sharpe Ratios are essential in today’s retirement planning landscape
The case for introducing private alternatives into defined contribution (DC) retirement solutions
A 10-year case study of the TD Greystone Retirement Plus Fund and its real-world impact
What new tools like Variable Payment Life Annuities (VPLAs) can work alongside dynamic withdrawal strategies
Give your members more confidence in retirement. Download this free white paper now!
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