Stable Value Investments

Stable Value Investments

The ING Stable Value Products are designed for plan sponsors looking to preserve capital, while seeking more attractive rates of return than typically available through money market funds and lower volatility than an actively managed bond fund. Guarantees are based on the claims-paying ability of ING Life Insurance and Annuity Company.

We offer products to qualified defined contribution plans including 401(k), 401(a), 457, and 403(b) plans serving the Corporate, Government, Healthcare, and Education markets.

The ING Stable Value Product advantage

• Over 35 years of experience as a stable value provider for defined contribution plans
• Dedicated service team to manage your plan and investment management team to manage your assets

We offer a broad range of product choices:

Synthetic Guaranteed Investment Contract (GIC)

The ING Managed Custody product allows plan sponsors to retain ownership of the underlying assets while still providing for a guarantee of principal within the stable value fund. The underlying assets are guaranteed to preserve principal by ING Life Insurance and Annuity Company.

Separate Account GIC

The ING Stabilizer product has four (4) distinct insurance company separate account fixed income strategies a plan sponsor can choose from. The product is guaranteed to preserve principal through ING Life Insurance and Annuity Company. The four (4) separate account fixed income strategies are managed by a dedicated staff through ING Investment Management, Inc.

Pooled GIC

The ING Stable Value Fund is a diversified portfolio of insurance company and bank stable value contracts including traditional GIC, separate account GIC, and synthetic GIC. The ING Stable Value Fund allows plans sponsors to participate in a larger pool of assets with other plan sponsors.

Traditional GIC

ING also offers GIC that pays a specified rate of return for a predetermined period of time, offers book value account, typically pays benefits to plan participants, and provides fixed annuities upon request. The product is offered through the Security Life of Denver Insurance Company, an ING subsidiary.

Stable Value Fixed Income Management

ING Investment Management, Inc. a subsidiary of ING Group has a dedicated stable value practice specializing in third party fixed income management. Sample strategies available include Core, Limited Duration and Mortgage Backed Securities. Customized strategies are available. For more information, go to ING Investment Management.

Important Information:  ING Stabilizer^SM is offered through a group annuity contract issued by ING Life Insurance and Annuity Company (ILIAC). Stability of principal is the primary objective of this investment option. ING’s Stabilizer^SM guarantees a minimum rate of interest and may credit a higher interest rate from period to period. The credited interest rate is subject to change, up or down, but will never fall below the guaranteed minimum. The guarantees provided by the contract are based on the claims-paying ability of ILIAC. The assets are held in a separate account and are “insulated” from claims arising out of any other business conducted by ILIAC and can be used only for the benefit of plan participants.  Withdrawals resulting from employer-initiated events, such as withdrawals following mass layoffs, employer bankruptcy or full or partial plan may be restricted. Your stable value account balance is not guaranteed by the Federal Deposit Insurance Corporation (FDIC), by any other government agency or by your plan. This portfolio is not a registered investment under the 1940 Act and has not been registered with the Securities and Exchange Commission.

For more information regarding any of the following products, please contact a member from ING's Stable Value Team.