This document discusses FDIC-insured investment accounts as an option for capital preservation within qualified retirement plans. It notes that FDIC-insured accounts provide insurance protection up to $250,000 per participant, full liquidity without potential fees or gates as seen in some money market funds, and are easy for plans and participants to understand and access. Record keepers and plan providers are increasingly considering offering these accounts alongside other money market options due to participant demand for safety, security and simplicity.