Capital Preservation Investment
Stable Value Funds
A steady investment option.
With a stable value fund (SVF), you’ll find an income-producing, low-risk investment option that generally outperforms both money market funds and inflation, all while providing a guarantee of principal and interest.1 Then employees can feel more confident about investing for their futures.
Why Stable Value?
Stable value is a principal preservation option in a qualified retirement plan that yields bond-like returns with low market volatility. Generally, stable value funds exceed inflation, which positively impacts purchasing power and provides liquidity. Ultimately, it’s a way to keep investment risk down with an option that steadily rises.
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Stable Value Funds
Everything you need to know.
Evaluating a Stable Value Fund
It is the hint textStable value funds provide a reliable way to generate steady returns over time while minimizing volatility.
Stable value funds have played a key role in defined contribution plans for nearly a half century, and plan sponsors now have more options than ever.
The benefits of Stable Value are clear.
- Accessible only through qualified retirement plans
- One of the most reliable capital preservation options available
- Safeguards against financial losses
- Backed by the financial strength of a Stable Value industry leader1
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Against an ongoing backdrop of market volatility and economic uncertainty, stable value funds— which have performed as designed and delivered on their promises even during the Great Recession and, more recently, the Covid-19 pandemic—are uniquely positioned to meet the moment in a variety of investment scenarios.
Stable Value FAQs
Since the introduction of the first modern stable value product in the late 1970s, it has been an “income producing, low-risk, liquid investment” option for defined contribution plan sponsors. Stable value funds preserve a participant’s principal investment while providing a competitive level of interest over time.
With market volatility always a concern, plan sponsors can meet the needs of many participants by offering an investment option that combines low volatility, capital preservation and a competitive interest rate. Stable value has returns similar to intermediate term bonds but with lower volatility. Also, it generally outperforms money market funds — and inflation — while offering employees potentially secure and dependable returns in their retirement plans. This empowers employees to build more diverse retirement portfolios and potentially reduce market risk.