Saving & Investing

STABLE Accounts are investment accounts, not bank accounts. When you contribute money to your STABLE Account, your money is invested in different portfolios that we provide. These portfolios are the STABLE “Investment Options.” We offer five different Investment Options for you to choose from:

Growth Option: The Growth Option seeks to provide capital appreciation and some current income. This Option invests 100% of its funds in the Vanguard LifeStrategy Growth Fund.

The Growth Option endeavors to maintain an 80% investment in corporate stocks and a 20% investment in bonds. A stock represents ownership in a corporation. Stock ownership generally allows investors to grow their money in excess of inflation over a long term period of time. Bond investors are entitled to receive interest payments over the life of the bond and receive the face value of the bond at maturity.

Stock investing is generally more risky than bond investing. The Growth Option has the largest investment in corporate stocks compared to the other Investment Options. The Growth Option potentially offers higher expected investment returns, but it also offers higher expected risk.

The Growth Option may be most suitable for investors with a long-term time horizon and for investors willing and able to accept more risk.  

Moderate Growth Option: The Moderate Growth Option seeks to provide capital appreciation and a low-to-moderate level of current income. This Option invests 100% of its funds in the Vanguard LifeStrategy Moderate Growth Fund.

The Moderate Growth Option endeavors to maintain a 60% investment in corporate stocks and a 40% investment in bonds. A stock represents ownership in a corporation. Stock ownership generally allows investors to grow their money in excess of inflation over a long term period of time. Bond investors are entitled to receive interest payments over the life of the bond and receive the face value of the bond at maturity.

Stock investing is generally more risky than bond investing. The Moderate Growth Option has the second largest investment in corporate stocks compared to the other Investment Options. The Moderate Growth Option potentially offers moderate expected investment returns, but it also offers moderate expected risk.

The Moderate Growth Option may be most suitable for investors with an intermediate-term time horizon and for investors willing and able to accept risk.

Conservative Growth Option: The Conservative Growth Option seeks to provide current income and low-to-moderate capital appreciation. This Option invests 100% of its funds in the Vanguard LifeStrategy Conservative Growth Fund.

The Conservative Growth Option endeavors to maintain a 40% investment in corporate stocks and a 60% investment in bonds. A stock represents ownership in a corporation. Stock ownership generally allows investors to grow their money in excess of inflation over a long term period of time. Bond investors are entitled to receive interest payments over the life of the bond and receive the face value of the bond at maturity.

Stock investing is generally more risky than bond investing. The Conservative Growth Option has the second largest investment in bonds compared to the other Investment Options. The Conservative Growth Option typically offers lower expected investment returns, but it also offers lower expected risk.

The Conservative Growth Option may be most suitable for investors with a short-to-intermediate term time horizon and for investors willing and able to accept some risk.

Income Option: The Income Option seeks to provide current income and some capital appreciation. This Option invests 100% of its funds in the Vanguard LifeStrategy Income Fund.

The Income Option endeavors to maintain a 20% investment in corporate stocks and an 80% investment in bonds. A stock represents ownership in a corporation. Stock ownership generally allows investors to grow their money in excess of inflation over a long term period of time. Bond investors are entitled to receive interest payments over the life of the bond and receive the face value of the bond at maturity.

Stock investing is generally more risky than bond investing. The Income Option has the largest investment in bonds compared to the other options. The Income Option typically offers low expected investment returns, but it also offers low expected risk.

The Income Option may be most suitable for investors with a short-term time horizon or for investors unwilling or unable to accept risk.

BankSafe Option: The BankSafe Option offers a conservative investment strategy and is designed to protect your principal investment. This Option invests 100% of its funds into an FDIC-insured account.

The BankSafe Option is the most conservative investment strategy and is designed to protect your investment. The BankSafe Option is fully invested in an FDIC-insured account, meaning that your investment (along with other applicable accounts you have at Fifth Third Bank) is insured, up to $250,000, by the Federal Deposit Insurance Corporation, which is essentially supported by the full faith and credit of the United States Government.

The BankSafe Option offers the lowest expected return and the lowest expected risk.  

(NOTE:  The Investment Option descriptions contained on this website are provided for informational purposes only and do not constitute financial, investment, or other advice. Beneficiaries or their Authorized Legal Representatives are solely responsible for deciding which Investment Options to use.)

How to Select Your Investment Options


When you open your STABLE Account, you will be asked to pick your Investment Options. You will be shown all five options, and you will assign a percentage to each option. This percentage tells us how you want to allocate your contributions. For example, if you assigned 100% to the Growth Option, then every time you made a contribution, we would invest 100% of your contribution into the Growth Option. You can choose multiple Options, or only one Option. Your total allocations must add up to 100%. Below are some examples of different selections you could make. (NOTE: these are not endorsements or recommendations).

Example 1:
Growth Option 50%
Moderate Growth Option 25%
Conservative Growth Option 25%
Income Option 0%
BankSafe Option 0%

Example 2:
Growth Option 0%
Moderate Growth Option 0%
Conservative Growth Option 100%
Income Option 0%
BankSafe Option 0%

Example 3:   
Growth Option 20%
Moderate Growth Option 20%
Conservative Growth Option 20%
Income Option 20%
BankSafe Option 20%

Once your percentages are set, any contributions you make will be invested according to those percentages. For example, if you chose the same percentages as Example 1 and then contributed $100 to your STABLE Account, $50 would be put in the Growth Option, $25 would be put in the Moderate Growth Option, and $25 would be put in the Conservative Growth Option. If you chose the same percentages as Example 3 and you contributed $500 into your STABLE Account, then $100 would go to each of the five Options.

Changing Your Investment Options

Federal rules allow you to transfer money from your current Investment Options to a different set of Options twice per calendar year. This is called “Rebalancing.” To Rebalance your investments, login to your account and click on “Financials” and then “Rebalance.”  

You can also change your future allocations at any time. From your account page, click on “Financials” and then “Change Future Allocations.” This will not affect the money currently in your account but will apply to any future contributions you make.  

How to Contribute to Your STABLE Account

You can easily contribute money to your account online. Simply login, input your personal bank account information (i.e., your account and routing numbers), and make a deposit. You can also save your bank account information and set up recurring contributions. If necessary, you can also mail in check contributions. 

Who Can Contribute

Any person (including you, your friends, and your family members), business, employer, trust, corporation, or other legal entity can make contributions to your account. We also provide a special eGift tool that allows you to ask friends or family for gifts on holidays or other special occasions, and we will send them a special link for making deposits to your account. 

Contribution Limits

Under federal law, the maximum yearly contribution limit is currently $14,000. The maximum lifetime limit for STABLE is currently $445,000.  You will not be able to make any new contributions if your account balance is $445,000 or more (although your account can continue to accrue earnings).  You may resume contributions if your balance falls below $445,000.

Our system and processes are designed to automatically prevent you from making any contributions that would exceed these limits. We will monitor your contributions and will reject any excessive deposits.  

How to Withdraw Money

If you would like to withdraw money from your STABLE Account, just login to our website, click on “Financials” and then “Withdrawals.” You can choose to receive funds by electronic transfer or by check. If you choose an electronic funds transfer, you can load funds onto your STABLE Card or into a personal bank account. For tax reporting purposes, when you withdraw money, we will treat and report that withdrawal as a distribution from your account.  

If you invested your money into more than one Investment Option, you will also be able to select the specific Option you want to withdraw money from.

There are no limits on the amount of withdrawals you can make, and there are no fees associated with making a withdrawal.

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