1 Standard Stable Asset Fund is a group annuity product issued by Standard Insurance Company. Amounts contributed and the fulfillment of any. guarantees specified in the group annuity contract are insurance claims supported by the full faith and credit of Standard Insurance Company.

What is Standard stable asset?

1 Standard Stable Asset Fund is a group annuity product issued by Standard Insurance Company. Amounts contributed and the fulfillment of any. guarantees specified in the group annuity contract are insurance claims supported by the full faith and credit of Standard Insurance Company.

What is stable value asset class?

Stable value is an asset class that is designed to provide capital preservation and relatively stable returns. Capital Preser- vation means investors should expect to maintain 100% of their initial investment.

What is a stable value plan?

A stable value fund is an insured bond portfolio, popular with investors that have low risk tolerances. The insurance piece of these funds makes them nearly as safe as money market funds. A stable value fund is an option in many retirement plans, but often carries lower yields and higher fees.

Is a stable value fund a money market fund?

A stable value fund is a low-risk investment (like a money market fund) that delivers higher yields (like a bond fund). It’s able to do this because it holds a short-term bond fund as well as an added insurance feature that kicks in to protect investors from losing any of their principal.

Can you lose money in a stable value fund?

A stable value investment is neither insured nor guaranteed by the U.S. government. There is no assurance that the investment will be able to maintain a stable net asset value, and it is possible to lose money in such an investment.

Should I move my 401k to stable value?

Stable value funds are an excellent choice for conservative investors and those with relatively short time horizons, such as workers nearing retirement. These funds will provide income with minimal risk and can serve to stabilize the rest of the investor’s portfolio to some extent.

How does stable value work?

A stable value fund is an insured bond portfolio that protects investors from losing money. When you own this asset class, your interest payments stay the same even when your bond yields fall or your portfolio loses capital.

Should I move my 401k to a stable fund?

Should I take my money out of the bank 2022?

Investor takeaway. There are a lot of better choices than holding cash in 2022. Inflation will deteriorate the value of your savings if you decide to stash your cash in a bank account. Over the long run, you’ll be better off investing now, even if expected returns are lower than they’ve been historically.