This value fund seeks to mimic the total return performance of the S&P Composite 1500 . document.write(new Date().getFullYear()) Nationwide Mutual Insurance Company and affiliated companies, Privacy See disclosure for details. Performance has been adjusted to reflect different expense levels for individual share classes. In fact, a survey by Aon found that 75% of sponsors prefer stable value funds, while 38% offer money market funds.". Privacy Policy Terms of Agreement Disclosures. There are four types of stable value funds: individually managed accounts, pooled funds, general account products, and separate account products. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, Nationwide Funds Group and Nationwide Retirement Institute are service marks of Nationwide Mutual Insurance Company. There are two components to a stable value fund: bonds and insurance contracts. The crediting rates of stable value funds generally follow market interest rate trends (as rates both rise and fall), but with a lag. The plan owns an unregistered group annuity issued by Nationwide Life Insurance Company. Unlike money market funds, stable value exceeds inflation, which positively impacts purchasing power. My contribution will go into a Nationwide fixed account (which pays a minimum of 3.5% interest), which I will transfer into the Schwab PCRA each pay period. The Wells Fargo Stable Value Fund is a separate account portfolio managed exclusively for participants of the Wells Fargo & Company 401(k) Plan. 1600 Broadway, Suite 2300 A stable value fund doesnt give you that upside when rates are falling. You could try bonds, of course. Investment Advisor GSAM Stable Value, LLC is a registered investment advisor specializing in stable value and fixed income strategies for institutional clients. Nationwide 2021. Expense ratios are as of the most recent prospectus. The chart below compares performance between a stable value asset class market index and the 3-month U.S. Treasury Bill (T-Bill). Stable value funds may be constructed from a combination of general account contracts, separate account contracts, and synthetic guaranteed investment contracts (GIC) in their stable value fund. This plan offers a full range of investment options to match your risk preferences. Morley Stable Value Fund V Category Stable Value Overall Morningstar RatingTM Morningstar Return Morningstar Risk Out of N/A Stable Value funds. The CollegeInvest Stable Value Plus College Savings Plan was created to protect principal and guarantee a minimum annual rate of return under a funding agreement with Nationwide. DENVER (PRWEB) October 29, 2019 CollegeInvest, Colorado's not-for-profit state agency charged with helping working families prepare for the cost of college, has announced a new partnership with Nationwide Mutual Insurance Company and Nationwide Life Insurance Company ("Nationwide") for its Stable Value Plus college savings plan. When you find a fund, be sure to check the annual expense ratio. Nationwide has a comprehensive selection of investment solutions for you, spanning several investment styles and asset classes. This compensation comes from two main sources. Something went wrong. Note that there is no perfect benchmark for a stable value asset . View Plan Scholars Choice Working with a financial professional? To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Stable value funds typically have durations of about three years, which helps explain their bond-like returns. Competitive minimum rates of return for the Fixed Account Fund that could be assessed for 2022 - 2023 are 3.50% for Fourth Quarter 2022 (October - December 2022) and 3.20% for . To give plans more choices and the potential to earn more income, insurance companies introduced stable value to pension funds. Foreign Large Value: 9.1344: 9.1256: NATIONWIDE-N: EQUITY: FOR LG VAL: NN1AZ: WEALTH TRANSFER: 0.0089: NVIT DoubleLine Total Return Tactical: Bonds - Intermediate: 9.6325: 9.5671: NATIONWIDE-N: . When considering the population of participants to whom stable value is offered, 22-28% of all participants that had access to a stable value option allocated some of their assets to stable value. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The Forbes Advisor editorial team is independent and objective. As a result, the spread cannot be easily attributed for purposes of disclosure. SPTM is one of the best blended value mutual funds to buy for gaining exposure to a broad stock market base. The Wells Fargo Stable Value Fund, managed by Galliard Capital Management, is primarily comprised of investment contracts issued by financial institutions and other eligible stable value investments. Further, stable value funds, contract providers, investment managers, and other service providers involved in stable value funds have multiple layers of regulatory oversight provided by a variety of federal and state governmental regulatory bodies as well as by nongovernmental bodies. The Nationwide Mutual Funds described in this site are sold only to persons residing in the United States. Its able to do this because it holds a short-term bond fund as well as an added insurance feature that kicks in to protect investors from losing any of their principal. About 20% of participants who invest in stable value are 39 and younger, representing 3.5% of total assets in the analysis. Registration Number. 1. The long-term average quarterly return on stable value funds historically has been more than a half a percentage point better than the return on money market funds, and the average stable value funds return was on par with the return of intermediate-term government bond funds. T here are a variety of stable value products in the market today that have similar features on the surface, but have distinct differences when you dig into the structure and implementation. The yield shown on the fact sheet was 2.41% as of September 30, 2020. Stable value funds are usually found in 401(k) plans. Except as noted below, Service Class shares have no sales charge and a 0.25% 12b-1 fee. One of the four types of stable value funds is known as an individually managed account. The federal status of this trademark filing is REGISTERED as of Tuesday, March 21, 2017. . 2022 Morningstar. Galliard manages more than $84.8 billion in assets for more than 240 institutional clients nationwide. Similar laws exist for plans sponsored by state and local governments. They are subject to change at any time. A pooled fund combines the assets of multiple unaffiliated plans into one large group. Managed by Vanguard, one of the world's most trusted investment managers. But you also wont earn much, eitherand you may even forfeit purchasing power over time. We'd love to hear from you, please enter your comments. Investors should discuss their specific situation with their financial professional. That said, just because you have a 401(k) doesnt mean youll be able to invest in a stable value fund. The general distributor for variable products is Nationwide Investment Services Corporation (NISC), member FINRA, Columbus, Ohio. Past performance is not indicative of future results. Fund payments to Nationwide This enables investors/participants to build a diversified portfolio of assets to achieve their investment goals and objectives. The rate of return, guaranteed by Nationwide, is reset each year on December 1st and will not go below a minimum of 1.5%. Nationwide Plan Administrative Fee Total Investment Expenses and Plan Administrative Fees* STABLE VALUE City and County of Denver Stable Value Fund N/A 0.356% 0.00% 0.075% 0.431% MONEY MARKET TIAACREF Money Market Fund - Instl TCIXX 0.15% 0.00% 0.075% 0.225% FIXED INCOME Their income base would be $145,000the amount they contributed, even if their account value is less at age 65. "Mutual funds' biggest benefit is they offer the most flexibility in terms . We want to be able to capture some of the principal appreciation that a bond fund can have when interest rates are decreasing, says Schwartz. Lincoln Financial Group and Nationwide: Stable value fund management; recordkeeping platform providers; guaranteed income providers with S&P life insurance company ratings of A or better Investor Shares have no sales charge and no 12b-1 fee. Look for fund names that riff on terms such as principal preservation, capital accumulation or guaranteed income. Class K shares have no sales charge and a 0.10% 12b-1 fee. According to the Plan Sponsor Council of America, more than 30% of plans lack stable value fund offerings, though this number shrinks for larger plans with at 1,000 participants. This fund is focused on providing value and improving retirement readiness. Your financial situation is unique and the products and services we review may not be right for your circumstances. They generally require the plan sponsor to wait a stated period before receiving contract value (principal plus accumulated interest). Our Nationwide Fixed Account Fund (called the Florida Fixed Account by Participants) offers a way to minimize risk as you're working hard to prepare for retirement. Capital One Venture X Vs. Chase Sapphire Reserve, How the 25x Rule Helps Save for Retirement. Today, stable-value funds are yielding more than cash, but returns aren't mouth-watering; according to data in Morningstar Direct, the typical fund in the stable-value category yielded around 2% . Our wide range of solutions includes annuities, mutual funds, life insurance, and retirement plans. Stable value solutions | Lincoln Financial Help clients protect hard-earned savings with our stable value solutions and risk management expertise. 700 - Registered. Only if the separate account assets are insufficient to meet the contracts obligations would the insurance company making the guarantee take assets from its general account to make up a shortfall. Nationwide Amundi Global High Yield Fund, Nationwide Amundi Strategic Income Fund, Nationwide Bond Fund, Nationwide Bond Index Fund, Nationwide Inflation-Protected Securities Fund, Nationwide Loomis Core Bond Fund and Nationwide Loomis Short Term Bond Fund Class Ashares have up to a 2.25% front-end sales charge and a 0.25% 12b-1 fee. Benefit-responsive liquidity, which means participants transact at contract value (principal plus accrued interest). Total returns reflect a waiver of part of each Funds fees for certain periods since inception, without which returns would have been lower. Status Date. The yield of the bonds held in a funds portfolio and the price of those bonds. Stable value funds arent just for retirees, Schwartz notes. Working with a financial professional? Cyber security View Fact Sheets Matthew Schwartz, a certified financial planner (CFP) at Great Waters Financial in Richfield, Minn., suggests that stable value funds can be used as a complement to bond funds in your portfolio. A stable value fund is a type of investment available in 401(k) plans and other defined contribution plans as well as some 529 or tuition assistance plans. Information provided on Forbes Advisor is for educational purposes only. Commissions do not affect our editors' opinions or evaluations. Except as noted below, Class A shares have up to a 5.75% front-end sales charge and a 12b-1 fee of 0.25%. Status: 700 - Registered. While core bond funds can lose principal during periods of rising interest rates, those dips are typically small and infrequent. The difference between gross and net operating expenses reflects contractual fee waivers in place through February 28, 2023. The investment option is a stable value fund. Our DCIO stable value options offer attractive and competitive guaranteed rates. MetLife says that more than eight in 10 defined contribution plan sponsors offer stable value funds as an option to preserve capital, and retirement savers would do well to consider adding this asset class to the mix if it's not already part of their portfolio. It is managed by The Bank of New York Mellon. Another type of stable value fund is a pooled fund, also known as commingled investment trust or CIT. Morley Stable Value Retirement Fund A Word on Risk 6,7 While stable value is generally considered a conservative investment option, stable value assets do carry potential risks. But with one caveat: The longer your investment horizon, the more your asset allocation strategy should focus on stocks, not fixed income of any time. Insurance separate accounts are offered by life . Pooled funds are used by plans that do not meet the minimum size for an individually managed account or do not require plan specific customization. This restriction reduces the risk of arbitrage, thereby protecting participants and stable value fund returns over the long term. Stable value funds typically invest in short-term US government bonds and high-quality corporate bonds.. Many retirement investors like the idea of an investment that doesn't lose value and provides a solid return. Class R6 shares have no sales charge and no 12b-1 fee. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Nationwide has a comprehensive selection of investment solutions for you, spanning several investment styles and asset classes. NATIONWIDE STABLE VALUE FUND. Nationwide Bailard Cognitive Value Fund, Nationwide Bailard International Equities Fund, Nationwide Bailard Technology & Science Fund, Nationwide Diamond Hill Large Cap Concentrated Fund, Nationwide Geneva Mid Cap Growth Fund, Nationwide Geneva Small Cap Growth Fund, NationwideLoomis Core Bond Fund, Nationwide NYSE Arca Tech 100 Index Fund and Nationwide WCM Focused Small Cap Fund Institutional Service Classshares performance prior to inception (9/16/13) is based on performance of Fiduciary Class shares of each Funds predecessor fund. Exit provisions vary by the product type used by the stable value fund and are specified in the stable value investment contract. A separate account product is another type of stable value fund. 800 LaSalle Avenue, Suite 1100 FOR INSTITUTIONAL INVESTOR USE ONLY. Accessibility The duration for stable value funds is typically around three years or so. and terms of the Fund's stable value contracts. Performance may reflect a waiver of part of a funds fees for certain periods since inception, without which returns would have been lower. Playing it safe is tricky for retirement investors. Were committed to helping America retire successfully and to creating a brighter future for our members and communities. Further, most defined contribution plans have fiduciary requirements that require the plan sponsor to offer an array of investment options with different risk/reward characteristics. How Much? Nationwide Janus Henderson Overseas FundEagle Classshares performance prior to inception (6/3/19) is based on performance of Institutional Class shares of the Funds predecessor fund from 2/2/15 through 6/2/19. Participants invest in stable value funds for their unique combination of benefits: Over the long term having returns similar to intermediate-term bonds while providing principal preservation and daily liquidity for participants makes stable value an attractive investment, particularly during times of volatility. This data supports the importance of stable value to those plan participants who are nearing or in retirement. Nationwide Life Insurance Company % of Total Portfolio: 96.42% 10 holdings as of 9/30/2021 Fund Overview Objective . General account products typically do not disclose an explicit fee but instead are structured to provide the issuer the opportunity to earn a spread on the yield of the underlying assets over the crediting rate guaranteed to participants. Except as noted below, Class C shares have a 1.00% contingent deferred sales charge (CDSC) and a 1.00% 12b-1 fee. Most stable value pooled funds primarily invest in synthetic GICs. Working with a financial professional? It does not take into account the specific investment objectives, tax and financial condition or particular needs of any specific person. By David Berg, Jessie Mohan March 09, 2022. Stable value strategies come in four main vehicles: Collective investment trusts (CITs) are offered by trustee banks and managed by an asset management firm. Stable value continues to be the preferred capital preservation option among both small and large plan investment consultants. Status. Please see the Funds prospectus for more details. Risks That can be an argument for not rolling over a 401(k) into an IRA, or if it is allowed, doing a partial rollover, where you leave some money behind in the 401(k), so you can continue to earn the money-market-beating yields of a stable value fund. Synthetic GICs and separate account product types customarily charge and disclose fees that can be easily compared across providers. Eagle Class shares have no sales charge and no 12b-1 fee. As the name implies, stable value funds are a type of cash fund that resembles a money market fund by offering protection of principal while paying stable rates of interest. This FAQ is intended to answer frequent questions on stable value given the increased attention and prominence of this investment option in defined contribution plans. Morningstar Ratings are based solely on a proprietary mathematical formula based on measures of risk and performance that it recalculates each month. Nationwide Bailard Cognitive Value Fund, Nationwide Bailard International Equities Fund, Nationwide Bailard Technology & Science Fund, Nationwide Diamond Hill Large Cap Concentrated Fund, Nationwide Geneva Mid Cap Growth Fund, Nationwide Geneva Small Cap Growth Fund,Nationwide Loomis Core Bond Fund, Nationwide NYSE Arca Tech 100 Index Fund and Nationwide WCM Focused Small Cap Fund Class R6shares performance prior to inception (9/18/13) is based on performance of the Funds Institutional Service Class shares (which is based on performance of Fiduciary Class shares of the Funds predecessor fund). In the early 1980s, the 401 (k) provided a new and growing source of demand for stable value funds. Nationwide Life Ins. While the 10-year overall star rating formula seems to give the most weight to the 10 . Editorial Note: We earn a commission from partner links on Forbes Advisor. There are two types: (1) insurance company guaranteed investment products that are essentially obligations of that one issuer, and (2) managed-portfolio funds that are "wrapped" by an independent. California Consumer Privacy Act Rights Nationwide Loomis All Cap Growth Fund Eagle Classshares performance prior to inception (6/27/18) is based on performance of the Funds Institutional Service Class shares. To prohibit transfers to competing funds, a stable value fund may require an equity wash, which requires participants to first transfer their money to a non-competing investment option for a period of time, typically 90 days. If a plan sponsor does not wish to wait, the plan sponsor may be able to redeem the assets in the stable value fund immediately at current market value, which may be less than contract value. The USPTO has given the NATIONWIDE STABLE VALUE trademark a serial number of 87065492. To service an existing account, call 1-800-848-0920. Stable value funds are not restricted by law from investing in higher risk investments, but they . An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. Investing in mutual funds involves risk, including the possible loss of principal. The general distributor for variable products is Nationwide Investment Services Corporation (NISC), member FINRA, Columbus, Ohio. Nationwide Global Sustainable Equity Fund Class Cshares performance prior to inception (11/19/12) is based on performance of Class C shares of the Funds predecessor fund. July 3, 2018 at 8:00 a.m. The most common stable value funds invest in a diversified portfolio of bonds and enter into Plan sponsor exit provisions are stipulated in the contract between the stable value investment contract issuer and the plan sponsor. Minneapolis, MN 55402-2054 . Read this important information Performance represents average annual total returns, assumes the reinvestment of all distributions and reflects applicable sales charges. Explore our funds. Nationwide Life Insurance Company, Nationwide Life and Annuity Company, Nationwide Investment Services Corporation and Nationwide Fund Distributors are separate but affiliated companies. The spread that may or may not be earned by the insurer is not fixed, subject to change, and is not known until after the expiration of the rate guarantee period. Utah's My529 Plan offers PIMCO Interest Income Fund as a choice under its Customized Static option. Share price, principal value, and return will vary, and you may have a gain or a loss when you sell your shares. Are you sure you want to rest your choices? Nationwide Bailard Cognitive Value Fund, Nationwide Bailard International Equities Fund, Nationwide Bailard Technology & Science Fund, Nationwide Diamond Hill Large Cap Concentrated Fund, Nationwide Geneva Mid Cap Growth Fund, Nationwide Geneva Small Cap Growth Fund, NationwideLoomis Core Bond Fund, Nationwide NYSE Arca Tech 100 Index Fund and Nationwide WCM Focused Small Cap Fund Class Cshares performance prior to each Funds inception (9/16/13) is based on performance of Class C shares of each Funds predecessor fund. The fund seeks to preserve your principal investment while earning a level of interest income that is consistent with principal preservation. Its this so-called insurance wrapper that enables stable value funds to deliver the higher yields of short-term bonds with the same low-risk of a money market mutual fund. The average credit quality for the bonds within. However, stable value also has value for younger investors as well. Through Nationwide, for $25/year, I can open a Schwab PCRA. But when bond yields gain, their prices decline. All stable value funds have an investment contract(s) that provides benefit responsiveness backed by a portfolio of assets. Do Not Sell My Personal Information, Learn more about offering Nationwide mutual funds, Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution Not insured by any federal government agency May lose value, See banking services provided by Axos Bank , See banking services provided by Axos Bank. This plan offers advisors and investors a full range of aggressive to conservative investment options to match with your risk preferences. Returns prior to the first offering of a specific share class of a Fund are based on the previous performance of other share classes of that Fund as noted below. There are two components to a stable value fund: bonds and insurance contracts. Nationwide Government Money Market Fundand Nationwide S&P 500 Index Fund Service Classshares have no sales charge and up to a 0.15% 12b-1 fee. Stable Value Fund. Life and annuity products are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities issued by Nationwide Life Insurance Company. 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