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Searching for Safety In Stable-Value Funds

机译：在稳定价值基金中寻求安全性

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Money-market mutual funds make for a safe haven in turbulent times, but the returns are lousy. Today, the average fund yields a microscopic 1.27%. That's less than savings accounts pay, and the banks throw in federal deposit insurance to boot. But a little-known alternative, the stable-value mutual fund, is nearly as safe as a money fund, has private insurance, and now yields over 4%. These funds generally invest in high quality short-to-intermediate-term bonds as opposed to the very short-term securities found in money funds. That would normally mean their holdings' prices would be far more volatile. But to fix their net asset value firmly at, say, $10 a share, the funds purchase insurance that insulates them from market swings. As such, the returns for the funds come solely from their yield.
机译：货币市场共同基金在动荡时期成为了避风港，但收益却很糟糕。如今，平均基金收益率只有1.27％。这少于储蓄帐户支付的费用，银行也投了联邦存款保险。但是鲜为人知的替代方案是稳定价值共同基金，其安全性几乎与货币基金一样，拥有私人保险，目前收益率超过4％。这些基金通常投资于高质量的短期到中期债券，而不是货币基金中的非常短期的证券。这通常意味着他们所持股票的价格将更加不稳定。但是为了将他们的资产净值固定在每股10美元，基金购买了保险，使他们免受市场波动的影响。因此，基金的收益完全来自收益。

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