Not exact matches
But see my question in 1 b) regarding the
guarantee of stable digital cash
value — this is exactly an area that is regulated (or ought to be).
So, while the
value of the investments in a
stable value fund can fluctuate on a daily basis, a participant is
guaranteed to transact at «book
value» by virtue
of the fund's insurance purchase.
Within the realm
of stable value, traditional
guaranteed investment contracts (GICs) have frequently been misunderstood and little used — despite their attractive characteristics.
For all participants, 44.0 percent
of the total plan balance is invested in equity funds, 19.1 percent in employer stock, 15.1 percent in
guaranteed investment contracts (GICs), 7.8 percent in balanced funds, 6.8 percent in bond funds, 5.4 percent in money funds, 0.8 percent in other
stable value funds, and 1.0 percent in other or unidentified investments.
Specifically, 53 percent
of plan balances are invested in equity funds, 19 per - cent in company stock, 10 percent in
guaranteed investment contracts (GICs), 7 percent in balanced funds, 5 percent in bond funds, 4 percent in money funds, and 1 percent in other
stable value funds.
The major insurance companies
of that period were deeply at fault in this as well, largely driven by the need to issue 5 - year
Guaranteed Investment Contracts [GICs] to rapidly growing
stable value funds
of defined contribution plans.
With the AUL
Stable Value Account,
guaranteed interest is earned and backed by AUL's general account assets and subject to the claims paying ability
of AUL, the firm said.
And
STABLE VALUE PLUS offers a
guaranteed annual rate
of return.
Often,
Stable value funds would purchase mortgage bonds
guaranteed by Fannie, Freddie, or one
of the guarantors.
Other highlights
of the
Guaranteed Account for 457 (b) and 403 (b) plans include complete guarantees of principal and interest (not found in all stable value accounts); rates declared in advance semiannually with a 1 % minimum rate guarantee; full liquidity (participants can transfer into and out of this account without restrictions or penalties); and an option to convert to guaranteed lifetime income at r
Guaranteed Account for 457 (b) and 403 (b) plans include complete
guarantees of principal and interest (not found in all
stable value accounts); rates declared in advance semiannually with a 1 % minimum rate
guarantee; full liquidity (participants can transfer into and out
of this account without restrictions or penalties); and an option to convert to
guaranteed lifetime income at r
guaranteed lifetime income at retirement.
The characteristics and nuances
of stable value products can vary, but all offer
guarantees and principal protection.
Unlike many types
of stable value accounts, CUNA says this fund is «fully
guaranteed and not subject to any type
of price fluctuation.»
Including Colorado's only FDIC - insured 529 savings plan ³ eligible for the state's tax deduction on contributions, and a
stable value plan that
guarantees a minimum annual rate
of return (currently at 2.29 %) ⁴.
Brighthouse provides a
guarantee to the
Stable Value Plus College Savings Plan to protect the principal investment and provide a minimum rate
of return with earnings that could be greater than the minimum rate
of return.
With the simple whole life insurance, the insured will maintain
guaranteed level premiums for the lifetime
of the plan, while at the same time building up a
stable cash
value.
In order to do that, the company has developed a unique solution — an insurance mechanism that can
guarantee the
value of compensation in fiat currencies, providing a
stable store
of value and making agreements both easier and more valuable.