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Stable value investments
Reliable returns backed by financial strength
As a trusted retirement financial professional, your institutional clients look to you for recommendations to round out their retirement plan investment offerings. Add value to client relationships by offering a competitive stable value solution from a company known for its financial strength.
Overview
Stable value investment options provide an appealing combination of benefits typically found in bond and money market funds: guaranteed, predictable returns and an attractive risk-to-return profile within a client’s investment array.
White label opportunity — We are pleased to offer financial professionals the opportunity to white label our stable value investment options.
Security — Guarantees in our stable value accounts are backed by the assets in our General Account, insulating investors from market volatility.
Predictable, higher returns — Stable value funds provide returns on par with bonds, but with lower volatility than money market investment options.1
15 year risk versus return as of 6/30/2025
$853 billion in investments Stable value funds are offered in approximately 3 of 4 defined contribution plans, with over $853 billion in investments.
Stable value at glance, Stable Value Investment Association, 2025
How participants benefit
Details
Objective
Capital preservation, including principal protection, stable returns and daily liquidity for participants.
Structure
Fixed group annuity, backed by the Minnesota Life Insurance Company General Account, which includes a portfolio of high-quality fixed-income securities.
Plan types
For use in a wide variety of defined contribution plan types.
Issuer
Minnesota Life Insurance Company
Crediting rate reset
Crediting rates are based upon the termination option selected and are reset quarterly. Existing clients receive a different rate based upon the date of their initial investment.
Minimum deposit requirements
None
Minimum gross crediting rate
Ranges from 1% - 3%, calculated at each rate reset date.
Expense
0.1%
Liquidity
Benefit-responsive, allowing daily liquidity at full book value. Allows transfers to a non-competing investment at any time. No transfers allowed into a competing investment option for 90 days.
Termination
Within 60 days of written notice. The contract holder will receive six annual installment payments at book value over a period of five years. Other options available, if desired. Other options may be subject to a Market Value Adjustment.
Market Value Adjustment
Upon termination, if a lump-sum is selected a negative market value adjustment may apply.
Transfer restriction
No transfers are allowed into a competing investment option for 90 days.
Trading
Automated trading and settlement on the National Securities Clearing Corporation (NSCC).
White label
We also offer financial professionals a unique, one-of-a kind opportunity to white label our stable value investments.
Why white label with us?
4.35%
New client gross crediting rate effective 4/1/2026 – 6/30/2026.
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Get our fiduciary action checklists
Our newest stable value white paper delivers the answers to your fiduciary-related questions.
Get it todayInsights and materials
Stable Value, Capital Preservation
The hidden cost of subsidization
Explore the hidden cost of subsidization in stable value funds and understand how Securian Financial’s disciplined approach supports fiduciary oversight.
Stable Value, Fiduciary and Regulatory
Helping fiduciaries navigate stable value structures
View a side-by-side comparison of the major structural differences among stable value investment types, and related considerations for fiduciaries.
Our team and approach
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The predictability and safety of our stable value options are crucial in helping participants secure their retirement. With over half a century of experience*, our company provides these options benefiting both participants and employers.
Jordan Gronli
Actuarial Senior Consultant, Institutional Retirement Solutions
We are committed to providing investment solutions with a risk and liability management focus. Our expertise comes from our long, successful history investing for our parent company Minnesota Life's General Account.
Mike Anderson
Portfolio Management Consulting Director, Securian Asset Management
Invested in the industry
Securian Financial proudly sponsors these important stable value industry groups.
All from a company known for its financial strength
Securian Financial has been providing solutions and protecting families for more than 140 years. Our mutual holding company structure means we’re not under pressure to deliver short-term returns. Instead, we focus our energy on serving customers’ long-term needs.
See our strength- 15 year risk vs return, Stable Value Investment Association, 2025.
- Stable value at glance, Stable Value Investment Association, 2025.
Our financial strength ranks us among the most highly rated insurance company groups in the nation. For more information about the rating agencies and to see where our ratings rank compared to other ratings, please visit securian.com/ratings.
This product is subject to the financial strength and claims-paying ability of Minnesota Life Insurance Company or Securian Life Insurance Company.
*Securian Financial internal data as of April 2025.
Associates shown are Securian Financial employees, and thus have a financial connection to Securian Financial. Their statements were given freely.
DOFU 4-2026
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