Until today, I've only been an interested reader of posts here. My first post is to ask what readers here think of so-called Stable value funds offered in 457 plans. At age 67, I'm trying to move my equity ratio down to 50% (a traditionally "sound" investment principle) and have been buying good Intermediate term funds, generally with durations of 4 years or less such as DBLTX, DODIX, MWTRX, TGBAX (Load Waived) and VFIJX (in English, Doubleline TotRet, Dodge & Cox Income, Metro West TotRet, Templeton Global Bond and Vanguard GNMA). I don't plan to begin taking distributions other than the RMDs (age 70.5 yrs). With the prospect of rising interest rates (not certainty) and declining net asset values, I'm thinking of selling approximately half of these bond positions and moving the money into my Stable Value fund offering a yield of approximately 2.6%; the Stable Value Fund is divided among four stronginsurance companies. I say "half," because I realize that no one knows where interest rates are going for sure. What are your thoughts? Thanks.