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01-07-2017, 08:20 AM
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#1
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,304
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Stable Value Fund Rates
For those with access to a SVF, what's the interest rate ?
The 1yr return on my fund is 1.7% (eff 12/31/16). It bottomed out at 1.62 last year and rose a bit from there.
Access to this fund is one reason I keep this 401k from a former employer open in retirement. In looking at the plan details, it appears I can still roll funds into the fund from an IRA. I plan to test the rollover feature in a few months.
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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01-07-2017, 08:42 AM
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#2
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Recycles dryer sheets
Join Date: Jan 2014
Posts: 87
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I did same last year, rolled over a portion to IRA and left behind funds for Stable Value access, paying 2.35% for 1yr @ 12/31.
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01-07-2017, 08:47 AM
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#3
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Thinks s/he gets paid by the post
Join Date: Oct 2008
Posts: 2,775
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I have 3. Wells Fargo is 1.7%. ATT is 2.3%. And IBM is 2.8%. And these are all net of any fees, and "earnings" that get deducted or added during the year.
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01-07-2017, 09:21 AM
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#4
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Thinks s/he gets paid by the post
Join Date: Feb 2006
Posts: 4,872
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Net of fees the 2016 return on my SVF was 1.76%
__________________
“So we beat on, boats against the current, borne back ceaselessly into the past.”
Current AA: 75% Equity Funds / 15% Bonds / 5% Stable Value /2% Cash / 3% TIAA Traditional
Retired Mar 2014 at age 52, target WR: 0.0%,
Income from pension and rent
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01-07-2017, 09:31 AM
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#5
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Recycles dryer sheets
Join Date: Jun 2015
Posts: 106
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A relevant comparison may be the TSP G fund which returned 1.82% in 2016.
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01-07-2017, 09:31 AM
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#6
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2013
Location: Les Bois
Posts: 5,761
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ours is with trp and returned about 2% from 10/2015 to 9/2016
__________________
You can't be a retirement plan actuary without a retirement plan, otherwise you lose all credibility...
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01-07-2017, 10:10 AM
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#7
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Thinks s/he gets paid by the post
Join Date: Aug 2014
Location: Red Rock Country
Posts: 1,912
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Interesting article on such funds: https://www.thestreet.com/story/1308...ore-about.html
I don't know if it's in the same category but I have an old contributory retirement plan (State of Arizona) with VALIC. It's worth about $100K today and I have it all invested in their "Fixed Account Plus" option which has had a fixed interest rate of 4.5% for over a decade. A few years back as I was consolidating plans, I opted to keep this one as there was nothing comparable I could get anywhere else. It will serve as my rainy day fund unless and until interest rates rise greatly!
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01-07-2017, 11:41 AM
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#8
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Recycles dryer sheets
Join Date: May 2015
Location: Toledo
Posts: 52
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Quote:
Originally Posted by jazz4cash
For those with access to a SVF, what's the interest rate ?
The 1yr return on my fund is 1.7% (eff 12/31/16). It bottomed out at 1.62 last year and rose a bit from there.
Access to this fund is one reason I keep this 401k from a former employer open in retirement. In looking at the plan details, it appears I can still roll funds into the fund from an IRA. I plan to test the rollover feature in a few months.
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. 2.0 First qtr of 2017
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01-07-2017, 11:47 AM
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#9
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Recycles dryer sheets
Join Date: Jun 2014
Posts: 193
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I just checked mine. The crediting rate is 1.77% as of Nov 2016.
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01-07-2017, 11:54 AM
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#10
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2004
Location: South Texas~29N/98W Just West of Woman Hollering Creek
Posts: 6,668
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SVfs pay nice yields. What kind of fees are you guys paying on those investments?
__________________
Part-Owner of Texas
Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx
In dire need of: faster horses, younger woman, older whiskey, more money.
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01-07-2017, 12:01 PM
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#11
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2013
Location: Les Bois
Posts: 5,761
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20 bips
__________________
You can't be a retirement plan actuary without a retirement plan, otherwise you lose all credibility...
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01-07-2017, 12:14 PM
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#12
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Recycles dryer sheets
Join Date: Jun 2014
Posts: 193
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Quote:
Originally Posted by mickeyd
SVfs pay nice yields. What kind of fees are you guys paying on those investments?
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The yields are net of fees. The ER of my SVF was 0.49% (gasps).
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01-07-2017, 12:18 PM
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#13
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Thinks s/he gets paid by the post
Join Date: Dec 2004
Location: Minneapolis
Posts: 4,455
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Quote:
Originally Posted by Ian S
Interesting article on such funds: https://www.thestreet.com/story/1308...ore-about.html
I don't know if it's in the same category but I have an old contributory retirement plan (State of Arizona) with VALIC. It's worth about $100K today and I have it all invested in their "Fixed Account Plus" option which has had a fixed interest rate of 4.5% for over a decade. A few years back as I was consolidating plans, I opted to keep this one as there was nothing comparable I could get anywhere else. It will serve as my rainy day fund unless and until interest rates rise greatly!
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4.5% is a great rate. If interest rate rise significantly, what will be investment of choice?
__________________
May we live in peace and harmony and be free from all human sufferings.
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01-07-2017, 01:19 PM
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#14
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Recycles dryer sheets
Join Date: May 2015
Location: Toledo
Posts: 52
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Stable value
Quote:
Originally Posted by mickeyd
SVfs pay nice yields. What kind of fees are you guys paying on those investments?
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Mickeyed: my fee is 0.29 I like using my Stable Value Fund for my bond component. Our SV fund averaged 2.22 % last year.
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01-07-2017, 01:42 PM
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#15
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Thinks s/he gets paid by the post
Join Date: Aug 2013
Posts: 1,659
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1.94%
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01-07-2017, 02:04 PM
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#16
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2005
Posts: 10,252
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Certain renditions of TIAA Traditional Annuity can be considered a SVF since they are fully liquid. Mine is paying 3.0%. Less liquid versions are paying above 4.5% for some folks, but they were paying those rates when bonds were paying higher rates, so there was no free lunch.
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01-07-2017, 02:15 PM
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#17
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Thinks s/he gets paid by the post
Join Date: Dec 2015
Location: Michigan
Posts: 4,939
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Quote:
For those with access to a SVF, what's the interest rate ?
The 1yr return on my fund is 1.7% (eff 12/31/16). It bottomed out at 1.62 last year and rose a bit from there.
Access to this fund is one reason I keep this 401k from a former employer open in retirement.
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I also kept my old 401K for access to the SVF. Rate is 1.94%.
__________________
"The mountains are calling, and I must go." John Muir
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01-07-2017, 03:34 PM
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#18
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Recycles dryer sheets
Join Date: Jan 2008
Posts: 393
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SO's with AT & T is 2.3% after fees(which are low)
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01-07-2017, 03:36 PM
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#19
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2008
Location: On a hill in the Pine Barrens
Posts: 9,669
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My older 401k performance was 1.66% for year 2016.
That return is net of 0.15 - 0.35% fund assets fee.
90% of holdings was Invesco Stable Value Portfolio 10-07-25.
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01-07-2017, 03:54 PM
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#20
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Thinks s/he gets paid by the post
Join Date: Jul 2002
Posts: 1,581
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For 2016 in Colorado 529 Plan: 2.54%
For 2017 in Colorado 529 Plan: 2.59%
Moved all 529 plan monies for my two boys into the Stable Value Fund in 2016 as one started college Sep 2016, his brother starts Sep 2017. Decided did not want the potential volatility of the market this close to need to withdraw.
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