The 21st century has been especially hard on retirement plans. Two crippling bear markets in a single decade. Collapsing interest rates. Tightening regulations.


This convergence of forces has exposed serious vulnerabilities in the traditional defined benefit and defined contribution models—vulnerabilities that the Milliman Sustainable Income Plan® (SIP) addresses head-on.

SIP is the most important retirement innovation in decades because it’s the first plan designed to achieve two essential objectives. First, it relieves plan sponsors of unsustainable funding requirements. Second, it ensures a steady stream of income to retirees regardless of market volatility. For retirement plan investors bracing for the next crash, SIP offers something completely new: peace of mind.

It's not a crisis if you see it coming

It's not a crisis if you see it coming

SIP video thumb

How the Milliman SIP works

Milliman Managed Risk Strategy

Investing: Now with a safety net