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Experts

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Ying Gao
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Dr. Gao is a vice president and defined contribution (DC) specialist in the Newport Beach office and a member of PIMCO's Defined Contribution practice. Her primary areas of focus are financial modeling, asset allocation and risk management. Prior to joining PIMCO in 2009, Dr. Gao worked with the fixed income portfolio management department at Principal Global Investors and the capital markets group at Federal Home Loan Bank of Des Moines. She has six years of investment experience and holds a Ph.D. in economics from Iowa State University. She earned her master’s and undergraduate degrees in finance from Zhejiang University in China.

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Latest Insights

April 2013 Introduction to the PIMCO Target-Date Glide Path: 2012 Update and Review
Since most participants will likely depend on their defined contribution plan as a primary source of retirement income, it is critical to structure the glide path – which determines asset allocations over time – to maximize their chance of success.
October 2012 Thrown in Over Their Heads: Understanding 401(k) Participant Risk Tolerance vs. Risk Capacity
​We believe target-date strategies may expose participants to more risk than they can afford.
September 2012 Loss Capacity Drives 401(k) Investment Default Evaluation
​Based on our research, we believe retirement plan participants’ capacity for loss may be much lower than many investment default options accept as tolerable.
November 2011 Target-Date Glide Paths Built for ‘To’ and ‘Through’ Retirement

​Successful target-date strategies should help retirement plan participants get “to” their retirement date with adequate savings and provide a sufficient level of real income replacement “through” their retirement as well.

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