Capital Preservation Investment

MetLife Stable Value Funds

A steady investment option.

A stable value fund combines capital protection with consistent returns, offering a low‑risk investment that has historically outperformed money market funds and helped keep pace with inflation.1 With principal and interest safeguarded, a stable value fund can help participants feel confident about investing for their futures.

Why Stable Value?

A stable value fund can be an effective part of a retirement plan by focusing on principal preservation while seeking steady, consistent growth. Generally, stable value funds exceed the rate of inflation, which can positively impact purchasing power. For those approaching retirement, stable value can offer a thoughtful balance between protecting accumulated savings and continued growth.

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Stable Value Funds

Everything you need to know.

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Evaluating a Stable Value Fund

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Stable value funds provide a reliable way to generate steady returns over time while minimizing volatility.

Stable value funds have played a key role in defined contribution plans for nearly a half century, and plan sponsors now have more options than ever.

The benefits of Stable Value are clear.

  • Available only through qualified retirement plans
  • One of the most reliable capital preservation options available
  • Safeguards against financial losses
  • Backed by the financial strength of a Stable Value industry leader1

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Stable Value FAQs

Stable value has been part of defined contribution retirement plans since the late 1970s. It is an income producing, low risk investment option designed to preserve a participant’s principal while providing consistent, competitive interest rates over time.

Stable value helps plan sponsors address the needs of participants who value reliability and predictability. By combining capital preservation with steady, intermediate term bond-like returns, stable value supports dependable outcomes with returns that have historically exceeded money market funds and the rate of inflation.

Because of its consistent performance, stable value plays an important role in retirement portfolios, supporting diversification and helping participants stay prepared for critical moments.