Standard Insurance Company
Stable Asset Fund II
The Stable Asset Fund is The Standard's stable value solution for qualified
and non-qualified plans including 401(k), 401(a), 409A, 457, 457(b), 457(f),
403(b) and defined benefit plans. The fund's conservative, risk-controlled
approach and full guarantee of principal and interest is backed by the claims
paying ability of Standard Insurance Company and is an attractive solution for
retirement plan participants seeking safety, liquidity, and yield.
Effective October 1, 2014 through
December 31, 2014, the guaranteed
annualized interest rate is:
The Stable Asset Fund offers the following benefits:

Guaranteed Rate – The interest rate is announced in advance and lockedin for the calendar quarter.

Minimum Interest Rate – The interest rate is guaranteed never to be
less than 1.00%. This is guaranteed for the life of the contract.

Safety - All principal and accumulated interest are fully guaranteed to
participants by Standard Insurance Company.

Liquidity – Participant withdrawals and transfers are permitted daily at
book value, regardless of market conditions.



Conservative Investment Approach – the guaranteed rate is supported by
a portfolio of high quality, publicly-traded bonds plus commercial
mortgages within Standard Insurance Company’s general account.
Favorable Plan Level Discontinuance Terms - The Stable Asset Fund pays
immediately at the lesser of book or market value, or installments over
time depending upon the interest rate environment. Market value lump
sum would never result in a payout less than principal plus interest
accumulated at the 1.00% minimum interest rate guarantee.
Portability - The Stable Asset Fund is fully portable and can continue to be
used as an investment option in the event of a change in record keeper.
Historical Net Crediting Rates
4Q2013 1Q2014 2Q2014 3Q2014 Expense
The Standard Stable Asset
Fund II
2.55%
2.50%
2.35%
2.30%
3-Year CMT Bond Index*
0.77%
0.91%
0.90%
1.00%
2.25% net
Fund Overview as of 9/30/2014
Fund Facts
Fund Category:
Stable Value
Inception Date:
April 1, 2011
Fund Assets:
$2.8 billion
Portfolio Quality:
A- (S&P)
Expense Ratio:
0.18%
Portfolio Allocation
Fixed Income Securities:
56.4%
Commercial Mortgage Loans:
39.3%
Real Estate:
2.4%
Cash:
1.9%
Standard Insurance Company
Financial Strength Ratings
as of October, 2014
0.18%
The Stable Asset Fund is a group annuity product issued by Standard Insurance Company,
Portland, Oregon. Amounts contributed to the contract are deposited in the Standard Insurance
Company general account. Payment obligations and the fulfillment of any guarantees specified in
the group annuity contract are insurance claims supported by the full faith and credit of Standard
Insurance Company. This product is neither a mutual fund nor bank product. The obligations of the
Standard Insurance Company are not insured by the FDIC or any other federal governmental
agency. Past interest rates are not indicative of future rates. The Stable Asset Fund may not be
available in all states.
*3-Year Constant Maturity Treasury Bond Index.
The Standard is the marketing name for StanCorp Financial Group, Inc. and its subsidiaries.
StanCorp Equities, Inc., member FINRA, distributes group annuity contracts issued by Standard
Insurance Company and may provide other brokerage services. Third-party administrative services
are provided by Standard Retirement Services, Inc. Investment advisory services are provided by
StanCorp Investment Advisers, Inc., a registered investment advisor. StanCorp Equities, Inc.,
Standard Insurance Company, Standard Retirement Services, Inc., and StanCorp Investment
Advisers, Inc. are subsidiaries of StanCorp Financial Group, Inc. and all are Oregon corporations.
Not for distribution to participants
Guaranteed Rate
A+ (Strong) by Standard & Poor's
5th of 20 rankings
A2 (Good) by Moody’s
6th of 21 rankings
A (Excellent) by A.M. Best*
3rd of 13 rankings
* Rating includes The Standard Life
Insurance Company of New York.
To find out more about the Standard’s
Stable Asset Fund, contact Jim Roche at
(732) 815-2116 or jroche@standard.com
www.standard.com
The Stable Asset Fund Profile: Investment Only