Access to stable value funds
Within an employer retirement plan, you may be able to put money into a stable value fund. These funds are not available in IRAs. So if you're looking for a place to keep cash for your upcoming retirement, your former employer's retirement plan could be the bucket to use, says Bogosian, "and with much higher returns than a money market fund outside the plan."
The average return: 2.06 percent, according to June 2010 numbers from the Stable Value Investment Association, an industry group.