Most 401(k) plans offer something called a stable value fund. These typically pay 6% to 8%. That's much better than money-market funds, and yet their value is assured. How do they do that? I think it involves insurance contracts. Are these types of funds available to investors outside their 401(k) plans? -- Ken Seiden Ken, You are correct. According to the Stable Value Investment Association, two-thirds of 401(k) plans offer a stable value fund as an option, and about 25% of the approximately $1 trillion in 401(k) plans is in stable value. Stable value funds are currently available only through defined contribution plans like 401(k)s or through IRAs. The association's
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