SVIA is pleased to announce a new whitepaper released in partnership with the Institutional Retirement Income Council (IRIC):
“Stable Value Funds as an In-Plan Retirement Income Strategy: A Principal-Protected Path for Retirement Income”
As the retirement system shifts toward delivering lifetime income through defined contribution plans, this paper highlights an often-overlooked solution already trusted by millions of participants: stable value funds. When paired with systematic withdrawals, stable value can offer a predictable, flexible, and principal-protected income stream for retirees without the complexity of many new products entering the marketplace.
Co-authored by Kevin Crain (IRIC Executive Director) and Zach Gieske (SVIA President), the paper explores:
- The role of stable value in decumulation
- Comparisons with annuity-based and traditional drawdown strategies
- Integration into target date funds, managed accounts, and retirement tiers
- Fiduciary and administrative benefits for plan sponsors and recordkeepers
- Industry trends such as co-manufacturing and retirement tier design
With over $850 billion in stable value assets across defined contribution plans, this approach offers a scalable and participant-friendly solution for meeting growing retirement income needs.