I never invest in things I don't understand. I attempted on several occasions, through extensive discussion with Voya, to understand exactly what their Stable Value Fund was invested in, and to appreciate the risks (and rewards) associated with those underlying investments. It was an impossible task, no matter how much I pressed, I was unable to get detailed information. Hence, it was a no go with that Stable Value Fund.
Maybe, equally important, was the fact that this Stable Value Fund failed to hit it's target return rate, for multiple consecutive quarters, not even close.
Maybe other firms have better stable value products?