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Stable value fund?
Old 09-21-2020, 06:47 PM   #1
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Stable value fund?

Stable value fund has 30% of our nest egg. Good or bad?
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Old 09-21-2020, 06:48 PM   #2
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Old 09-21-2020, 07:04 PM   #3
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Not enough information to decide.
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Old 09-21-2020, 07:27 PM   #4
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Need more info. What is the performance?
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Old 09-21-2020, 11:16 PM   #5
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Is it located with an advisor that is charging 2% per year to administer your account, on top of the stable value fund fee

Need more info..
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Old 09-22-2020, 05:14 AM   #6
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I had two stable value funds which were primary reasons for me to keep my 401ks open rather than rolling the assets over to an IRA

Stable Value Fund #1 was paying 2.2% with an ER of .35%. It was a new fund with no track record and I was paying $50/yr plus $25/distribution to maintain the 401k so I closed it out very recently since I had a better option.....

Stable Value Fund #2 is paying ~2.3% with an ER of .26%. It's been around since 1978 and I recall it averaging around 4%/yr for many years. Megacorp continues to pay all the fees for this 401k so it is my security blanket. I know the interest rate is pretty mediocre compared to many others, but with CD rates plunging, I may still be able to use this SVF to hold most of my cash allocation.
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Old 09-22-2020, 07:01 AM   #7
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Quote:
Originally Posted by Brania View Post
Stable value fund has 30% of our nest egg. Good or bad?

It depends. My 401K SV fund is 99% of my bond allocation, currently over 40% of our stock/bond/cash assets. It is yielding over 3%. I have had it for over 35 years. It annual average yield over that time is close to 6%, and it has never yielded less than 2.75% in a year. My Megacorp has been ranked among the the best in terms of low 401K fees, so I am satisfied with having my money there.
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