"Being conservative is an understandable instinct, given current market uncertainty, but this may be detrimental to long-term solvency of the plan -- the very thing that the SFA program was designed to protect.... While many options exist, a plan-specific, holistic approach that combines multiple investment strategies is most likely to generate optimal outcomes. This paper provides a guide to plan sponsors as they seek to make the most effective use of their SFA program capital."  MORE >>