Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Finally Contributing to Stable Value Fund
Old 04-14-2015, 04:17 PM   #1
Thinks s/he gets paid by the post
RetireAge50's Avatar
Join Date: Aug 2013
Posts: 1,485
Finally Contributing to Stable Value Fund

I have a little more than 2 years before I retire at age 50. Will be doing substantially equal payments from my 401k as part of my income.

Currently the funds are invested in 90% stocks and the rest in bonds. I have never contributed to the stable value fund.

Today I changed future contributions to be 100% stable value fund. So over the next couple years the stable value fund should have about $60,000 (includes matching funds).

The overall allocation when the SEPP begin will be 83% stocks/9% Bonds/8% Stable Value.

Just wanted to run this by all you smart folks for comments since this is new to me (and make sure I am not too far off the straight and narrow path).

Edit: The above will be about half our income the other half will come from pensions, house sale, etc.
RetireAge50 is online now   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 04-14-2015, 05:12 PM   #2
Full time employment: Posting here.
Focus's Avatar
Join Date: Oct 2009
Posts: 588
You know the mantra around here: Everyone's situation is different.

For a while there, I was splitting my nonstock portion between the total bond fund and the stable value fund in my 401(k). It seemed a good idea at the time. But when the stable value fund return dropped considerably and the long-promised higher interest rates didn't materialize, I gave up on that approach. So much for my tweaking. I now plan to just stick to 60/40.
"Wealth consists not in having great possessions, but in having few wants."
Focus is offline   Reply With Quote
Old 04-14-2015, 05:19 PM   #3
Thinks s/he gets paid by the post
steelyman's Avatar
Join Date: Feb 2011
Location: NC Triangle
Posts: 4,665
I'm using a stable value fund as the 3rd tier for a cash-like repository as an emergency fund.

The other tiers (years 1 and 2) are money-market fund/CDs and I-bonds.

steelyman is offline   Reply With Quote
Old 04-14-2015, 05:24 PM   #4
Recycles dryer sheets
Join Date: Aug 2013
Location: New Jersey
Posts: 363
What interest rate is your stable value fund paying? If it's less than the inflation rate, then you're money is guaranteed to loose value. If I were in your situation, I would have 60% go towards stocks and 40% towards the stable value fund.
Al18 is offline   Reply With Quote
Old 04-16-2015, 12:32 PM   #5
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Big_Hitter's Avatar
Join Date: May 2013
Location: In the fairway
Posts: 5,585
I've got about 40% of my k money in a stable value fund - it's been getting somewhere between 2 and 5% over the years (closer to 2% now) and it has a duration of almost zero - I like it - all my new money (since 2007) goes into an allocation of about 65/15/20
Swing hard, look up
Big_Hitter is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Stable Value Funds -- Specifically, Morley Stable Value Fund CoolChange FIRE and Money 18 10-04-2014 07:58 PM
Deciding Between Intermediate Bond Fund and Stable Value Fund sengsational FIRE and Money 12 06-13-2013 08:04 PM
Why Vanguard does not offer a stable value fund? Spanky FIRE and Money 7 02-05-2007 12:07 PM
GIC - Stable Value fund getoutearly FIRE and Money 5 02-19-2006 09:30 PM
Is There a Good Stable Value Fund? RockMiner FIRE and Money 5 11-24-2004 02:37 PM

» Quick Links

All times are GMT -6. The time now is 09:56 AM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2020, vBulletin Solutions, Inc.