For Advisors

Three solutions, one core philosophy

We deliver our defensive, active management to retirement plan participants in several popular plan structures. As advisors, you can help plan sponsors select which approach best meets their needs.

  • MANAGED ACCOUNTS

    A 3(38) investment manager with discretionary control over participants’ accounts

  • TARGET DATE FUNDS

    A series of funds managed according to a retirement date

  • RISK BASED FUNDS

    A series of portfolios designed to meet the individual growth objectives and risk tolerance of a participant

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No one has a crystal ball to foretell the market’s moves from bull to bear and back to bull. But bear markets do happen. On average, they happen about every four to five years, averaging 36% declines since 19291. Stadion's strategies are designed to react to market movements, not predict them. We believe an investment portfolio needs to be constructed to account for all conditions—employing both tactical (defensive, in our case) and strategic asset allocation strategies. We do so in two ways: through portfolios with an actively managed “Flex” structure, and through the use of exchange-traded funds (ETFs) to efficiently access different parts of the market.

The power of “flex-ability” 

Stadion uses a proprietary domestic equity model to assess market risk levels. All of the Stadion retirement strategies contain a “Flex” component which is actively managed among equity ETFs, fixed income ETFs, and cash/cash equivalent positions, depending on the state of the market. 


When market risk levels are relatively low according to the model, Stadion can move the entire Flex portion into equities in an attempt to capture gains in the market. Alternatively, the Flex portion can be moved entirely into cash in high risk environments in an attempt to avoid dramatic losses as much as possible.

Our use of ETFs 

We use ETFs to access specific areas of the markets where we want exposure. ETFs help us effectively manage risk while allowing us to gain or shed exposure very quickly—and economically.

1The Dow Jones Industrial from 2/17/1885 to 12/31/2014

Asset allocations may vary based on Stadion service provided and plan provider. The allocated percentages above are approximate, may change based on market conditions, and may vary based on retirement plan provider. The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange and the NASDAQ. One cannot invest directly in an index. 

Past performance is no guarantee of future results. Investments are subject to risk, and any of Stadion’s investment strategies may lose value. Stadion is not related to or affiliated with State Street Global Advisors (SSGA) nor are they a distributor of SPDR ETFs.

Standard & Poor’s®, S&P® and SPDR® are registered trademarks of Standard & Poor’s Financial Services LLC(S&P); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones); and these trademarks have been licensed for use by S&P Dow Jones Indices LLC (SPDJI) and sublicensed for certain purposes by State Street Corporation. State Street Corporation’s financial products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and third party licensors and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability in relation thereto, including for any errors, omissions, or interruptions of any index.

The SPDR® S&P 500® ETF, SPDR® S&P MIDCAP 400® ETF, SPDR® Dow Jones® Industrial Average ETF are exchange traded funds with the investment objective to correspond to the price and yield performance of the S&P 500® Index, S&P® MidCap 400® IndexTM, and Dow Jones Industrial AverageSM. The shares of the SPDR® S&P 500® ETF, SPDR® S&P MIDCAP 400® ETF, SPDR® Dow Jones® Industrial Average ETF represent individual ownership interest in the Trust’s portfolio.

StoryLine is a marketing term associated with investment advisory services and products provided by Stadion Money Management, LLC. Certain of the StoryLine accounts and funds utilize exchange-traded funds,that bear the SPDR® trademark to implement Stadion’s investment strategy. Stadion receives both an annual payment and reimbursement for certain marketing and other assistance in connection with the StoryLine Accounts from State Street Global Advisors and its affiliates in connection with Stadion’s use of SPDR® ETFs in the StoryLine Accounts. StoryLine is not managed, sponsored or endorsed by State Street Global Advisors or its affiliates and is not guaranteed by Stadion or its affiliates or by State Street Global Advisors or its affiliates. No party makes any representation or warranty, express or implied, regarding the advisability of investing in the StoryLine Accounts, including “StoryLine. Built with SPDR® ETFs.” State Street Global Advisors has no obligations to take into consideration the StoryLine Accounts or investors in the StoryLine Account when managing or creating SPDR® ETFs.” Standard & Poor’s®, S&P®, S&P 500®, Standard & Poor’s 500, 500, Standard & Poor’s Depositary Receipts, and SPDRs® are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by State Street Global Markets, LLC.

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