Stable Value Solutions

Benefits include:

• Access to industry leading investment sub-advisors
• Segregation from the insurer’s general account assets
• Portfolios that are managed to specific investment guidelines/benchmarks with no fixed maturity- reducing reinvestment risk for contract holders
• Transparency of fees. portfolio, and crediting rate methodology
  

Benefits include:

• Can be highly customized
• Choice of fixed or floating interest rates for added flexibility
• Competitive interest rates
• Guarantee of principal and interest¹

Benefits include:

• Competitive, guaranteed interest rate, which is equivalent to yields of similar duration bonds
• Certainty of return, because the fixed interest rate is unaffected by market interest rate fluctuations, asset values or participant withdrawals 
• Protection of principal, so participants’ investments are secure
  
• Principal and interest are available for participant withdrawals, at full book value, and guaranteed by MetLife¹ 
  

Synthetic GICs have two components:

• A portfolio of bonds that are owned by the plan or trust and managed by an asset manager selected by the plan sponsor and 
• An insurance contract issued by MetLife that provides a book value wrap around the underlying investments.^1,2