Investment Risk: Fixed Rates vs. Variable Rates

Investment Risk: Fixed Rates vs. Variable Rates 

December 2018 

Retirement Investors’ Club (RIC) providers offer fixed rate and variable rate mutual fund accounts for your retirement savings dollars. You may talk with a provider representative about which account and level of risk is right for you. The primary differences between RIC fixed rate accounts (no market risk) and the variable rate mutual funds (low to high risk) are shown below.

Fixed rate accounts (current rates) List of investment options (list of funds)
  • Declared rate of interest.
  • Fixed period of time.
  • No market risk.
  • Guaranteed by provider.
  • No fees.
  • No maturities or restrictions.*
  *Fund transfers and eligible distributions have no fees or restrictions

Not enrolled in RIC yet? Get started today and receive an employer match!

A few words from your RIC providers:

For more conservative investors, MassMutual offers a Guaranteed Interest Account with a competitive interest rate. We also offer a variety of stock, bond, and target date funds. Use our innovative RetireSmart Ready tool to help you determine your appropriate investment allocation. Visit to learn more today. 

You know you need money for your future, but you have no idea how much you’ll need or how to deal with the financial roadblocks in your way.

You may want to start by visiting to find out if you’re FutureFIT®. FutureFIT is a digital retirement readiness experience showing you how your savings might translate into future monthly retirement income. For more information, visit, call 800-426-3753, or visit with a VALIC financial advisor.

Retirement can seem a long way off, but time moves fast. Retirement planning is much more than just saving – it’s saving with purpose. It’s never too soon or too late to start planning. Visit to watch informative videos and read useful articles to help with your own retirement action plan.