We have found that many employees lack the time and temperament to manage their retirement plans. Some react emotionally to swings in their account balance, while others just sign up and never open a monthly statement. For those who recognize the importance of professional help, there’s Stadion.

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Stadion provides active, defensive money management for employer-sponsored retirement plans. This means that employees participating in the plans have the benefit of professional money managers investing their accounts according to what is going on in the markets.

Employees receive:

  • Professional money management designed to actively manage their retirement accounts based on market conditions
  • Tools and resources to provide guidance on investing for retirement
  • Stadion-run, U.S.-based customer service

Employers receive:

  • A no-cost employee benefit
  • Increased protection from fiduciary liability when Stadion Managed Accounts are chosen as the QDIA
  • A QDIA warranty from Stadion provided when Stadion Managed Accounts are chosen as the QDIA
  • Phone support from dedicated services team—for the life of the relationship

Money management matters

There is one certainty in the financial markets: no matter their current direction, they will eventually change course. Your long term outcome often depends on whether you have in place the means to respond (versus react) to this certainty. 

DALBAR, Inc., a leading financial industry expert for consistent unbiased evaluations, recently released the 21st Annual QAIB Study. The study concluded investor behavior continuously demonstrates the tendency to sell after experiencing losses and reinvest only after the market recovery is well under way. Unfortunately, this often means missing potential opportunities to grow account value. The chart below shows how average equity fund investors have failed to produce returns remotely equal to market gains as measured by the S&P 500 Index from 1995 – 2014.


The importance of our approach

All markets rise and fall, which is why managing risk is the key to Stadion’s defensive money management. We focus on managing money for full market cycles, not just the upside. When markets decline, investors can suffer significant losses, which can heavily impact total investment outcome. That is why we think it’s not only what you gain but also what you keep that matters. Stadion builds portfolios designed to reduce the magnitude of the market’s most devastating losses, because the less you lose, the less you have to make up before you experience true gains.

 

How Stadion Retirement works

For employers

Stadion’s services are available for retirement plans offered through many national 401(k) plan providers. To learn more, contact your financial advisor. Or contact us, and we can put you in touch with a financial advisor who knows about Stadion. Once you’ve selected Stadion, the onboarding process is easy.

For employees

Once your employer chooses Stadion as an investment option in your retirement plan, you are automatically enrolled (with the option to opt out). Our experienced money managers will actively invest your retirement account based on market conditions (and there’s nothing more you need to do).

*Average equity fund investor as calculated using data supplied by the Investment Company Institute. Investor returns are represented by the change in total mutual fund assets after excluding assets after excluding sales, redemptions, and exchanges. This method of calculation captures realized and unrealized capital gains, dividends, interest, trading costs, sales charges, fees, expenses, and any other costs. After calculating investor returns in dollar terms, two percentages are calculated for the period examined: total investor return rate and annualized investor return rate. Total return rate is determined by calculating the investor return dollars as a percentage of the net of the sales, redemptions, and exchanges for the period. Chart source: DALBAR Quantitative Analysis of Investor Behavior (QAIB) 2014 Survey, published in 2015. Chart data may include professionally managed accounts.

The S&P 500 Index is the Standard & Poor’s Composite Index of 500 stocks and is a widely recognized, unmanaged index of common stock prices. It is not possible to invest directly in indexes (like the S&P 500) which are unmanaged and do not incur fees and charges.

Past Performance is no guarantee of future results. Investments are subject to risk, and any of Stadion's investment strategies may lose money.