6 reasons not to roll over your 401(k)

Access to stable value funds
Access to stable value funds © Stephen Coburn / Fotolia

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.


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