Northern Trust Logo
 

Retirement Discoveries

 
.
 
 
 
 
 
 
 
 
 
 
.

Current insights focused on improving retirement outcomes, covering everything from investor behavior to latest innovations in asset allocation.

 
 

Industry Trends and Insights

 
 

4 Trends Reshaping Defined Contribution Plans
We analyzed our top 25 defined contribution plans, representing $225 billion in assets, and identified 4 key trends reshaping the DC landscape. Learn how these plans are on the leading edge of the trends, using menus to drive retirement outcomes for their participants.

> View the Infographic

 

The Missing Piece in DC Plans: ESG Options

Our experts explore how DC plans are adopting ESG investment strategies and what that means for participants.

 

Asset Allocation

 

What’s the Funding Status of your DC Plan?

Learn how using a liability-based framework can help to more meaningfully assess the suitability and performance of your target date funds.

 

Glidepath Innovation To Drive Better Participant Outcomes

Learn how we  incorporate the impact of human capital on asset allocation and integrate behavioral considerations into our glidepath construction.
 

Participant Behavior

 

Impacts of Rothification

A forced switch from traditional DC accounts to Roth accounts could undermine workers' efforts toward retirement readiness.

 

Making a Case for Factor-Based Investing in Target Date Funds

The latest piece from our behavioral expert uses live case studies to examine the impact on retirement outcomes when using factor-based investing in open-architecture defined contribution plans.
 

$10,000 Hurdle

Learn why the $10,000 threshold in retirement savings is critical in securing better retirement outcomes for participants.

> Read the Blog

> Read the Full Paper

 

How Investors Behave

Get insights into how plan participants react to the ups and downs in the market and how this can aid in determining your investment menu selection.
 

How Much Retirement Savings is Enough?

Explore our holistic retirement framework which estimates target savings and replacement rates for a number of worker situations.
 

DC Survey Archive

 

6th Edition: DC Plans Can Achieve More

Our survey of plan participants, plan sponsors and industry experts reveals key lessons and actions plan sponsors can take to help improve participant retirement outcomes.

> Watch Video

> View Webinar

> View Survey Results

 

5th Edition: DC Participants Want More

We surveyed plan sponsors, consultants and participants about three inter-related problems: Chronic under-saving | Inadequate formal planning & goal-setting | Ineffective transition to retirement. What they said may surprise you.
 
 
Sabrina Bailey

Sabrina Bailey

Global Head of Retirement Solutions, Asset Management
person icon
View Profile
.
Hide Profile
Sabrina Bailey

Sabrina Bailey

Global Head of Retirement Solutions, Asset Management
 

Sabrina Bailey is the Global Head of Retirement Solutions and a member of the Operating Group and Business Leadership Council. In her role, Sabrina has responsibility for the development and deployment of Northern Trust’s defined contribution strategy globally. In this role, she leads the talents and resources of the Retirement Solutions team, partnering with the distribution and client service teams, to ensure clients have access to the defined contribution expertise and services they need, when they need it. In 2016, Sabrina was named a "40 under 40" by Crain’s Chicago Business, being selected for the business leadership honor from more than 1,000 nominees. She has addressed various industry groups at conferences and been quoted in the press (Financial Times, Pension and Investments, PLANSPONSOR, USA Today, and the Wall Street Journal).

Prior to joining Northern Trust, Sabrina served as the US Defined Contribution Segment Leader for Mercer Investments. In her role, she was responsible for building Mercer Investments’ DC business through the deployment of innovative solutions and intellectual capital to consultants, clients and the market. Additionally, she provided investment consulting services to some of Mercer’s largest retirement plan clients and served as the chair of the DC Strategy Committee. Prior to her role at Mercer, Sabrina held the Seattle Office Leader position for Towers Watson Investments, as well as provided investment consulting services to corporate, not-for-profit and governmental sponsors of retirement plans. Before joining Towers Watson, Sabrina held investment consulting and manager research positions at RogersCasey and Arnerich Massena & Associates in Portland, Oregon.

Sabrina received her B.A. in Business Economics and Management and her M.B.A. in Organizational Leadership from George Fox University. She is an active member of Savings Re-Imagined, Save our Savings Coalition, and the Defined Contribution Institutional Investment Association where she serves on both the Editorial Review Board and the Global Committee.

Gaobo Pang

Gaobo Pang

Head of Research, Retirement Solutions
person icon
View Profile
.
Hide Profile
Gaobo Pang

Gaobo Pang

Head of Research, Retirement Solutions
 

Gaobo Pang, Ph.D., CFA, is a Senior Vice President and Head of Research for Retirement Solutions at Northern Trust Asset Management in Chicago. He leads advanced analytics, develops and evaluates optimal strategies in the lifecycle framework, and has a special focus on behavioral finance, with the ultimate objectives for innovative and customized solutions in the fast-growing DC asset management business.

Prior, he was a Senior Economist at Towers Watson, provided consulting services in benefits and risk management, and supervised research in pension finance, qualified investment alternatives, and income strategies. Prior to his role at Towers Watson, he was at the World Bank conducting macroeconomic research on sovereign debt sustainability, economic growth, and efficiency of public spending.

Dr. Pang speaks at academic and practitioner meetings and his work has been published in leading peer-reviewed journals. He was a 2011 Finalist for TIAA-CREF Paul A. Samuelson Award for “Outstanding Scholarly Writing on Lifelong Financial Security” and was the winner of the 2014 Risk Management and Insurance Review (RMIR) Best Article Award.

Pang holds a Ph.D. in Economics from the University of Maryland, College Park, a M.S. in Finance from Tsinghua University (formerly the GSPBC), and a B.A. in International Economics from Fudan University. Pang is a holder of the right to use the Chartered Financial Analyst® designation.

For More Information

 

News and Events

Webinar Replay: The Missing Piece in DC Plans: ESG Options
Our experts explore how DC plans are adopting ESG investment strategies and what that means for participants.
.
 
 
 
 
 
 
 
.
  View All Insights

© 2017 Northern Trust Corporation. Head Office: 50 South La Salle Street, Chicago, Illinois 60603 U.S.A. Incorporated with limited liability in the U.S. Products and services provided by subsidiaries of Northern Trust Corporation may vary in different markets and are offered in accordance with local regulation. For more information, read our legal and regulatory information about individual market offices.

Northern Trust Asset Management is composed of Northern Trust Investments, Inc., Northern Trust Global Investments Limited, Northern Trust Global Investments Japan, K.K., NT Global Advisors, Inc., 50 South Capital Advisors, LLC, and personnel of The Northern Trust Company of Hong Kong Limited and The Northern Trust Company. This material is directed to professional clients only and is not intended for retail clients. For Asia-Pacific markets, it is directed to expert, institutional, professional and wholesale investors only and should not be relied upon by retail clients or investors. Issued in the United Kingdom by Northern Trust Global Investments Limited.