Milliman Sustainable Income Plan

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Overview

A retirement plan that actually lets you retire

The Milliman Sustainable Income Plan® (SIP) is an innovative retirement plan design, combining the benefits of a defined benefit (DB) plan and a defined contribution (DC) plan. It provides the best of both worlds.

The SIP is a smarter way to balance risks between plan sponsors and employees. It’s the first plan design that aligns the objectives of finance and human resources.

How does SIP work for you?

For employers:

Stable, predictable contributions (balance sheet stability)
By design, benefits stay fully funded in all market conditions
Maximizes benefit provided per dollar of contribution
Effective workforce management lever
Recruitment and retention tool

For participants:

Lifelong retirement income
Benefits that increase with good investment returns – even in retirement
Mitigates market risk
Professional asset management
Doesn’t depend on individual saving behavior

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Insight

Learn more about Milliman SIP

Article

Two designs worth a look for corporate plan sponsors: Cash balance pension plans and Variable Annuity Pension Plans

We explore two options for plan sponsors contemplating a potential change in retirement plan design: cash balance and variable annuity pension plans.

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Case study

Is it time to unfreeze your company’s defined benefit plan?

How a prefunding strategy and rising interest rates enabled a nonprofit to reopen its pension

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Video

How the Milliman SIP works

Learn how the Milliman Sustainable Income Plan can help retirement plans work better

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Video

Taking the fear out of benefits

See how the Milliman Sustainable Income Plan is revolutionizing retirement

Article

Navigating retirement risks

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Article

Making the case for Milliman SIPs: The series

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Milliman Sustainable Income Plan