AIR Products & Chemicals, Inc. 401(k): best low-cost funds
AIR Products & Chemicals, Inc. Retirement Savings Plan · Plan #001 · Allentown, PA
Suggested simple Boglehead mix
The public data doesn't show enough index funds from this plan to suggest a full mix. A typical Boglehead approach: look in your menu for a US total market or S&P 500 index fund, an international index fund, and a US bond index fund, all with expense ratios under about 0.10%. Or use one low-cost target-date index fund. How the 3-fund portfolio works.
Know this plan's fund menu? Submit it and we'll add a fund-by-fund pick list.
Pooled funds named in the filing (Schedule D)
These are collective trusts and similar pooled funds the plan reported holding. Names that look like index funds are tagged index by keyword, so check them yourself. Mutual funds are not listed by name in the free data.
| Fund | Manager | Type | Plan's holding |
|---|---|---|---|
| Spartan 500 Index Pool index | Geode Capital Management Trust Company, LLC | Common/collective trust | $383.6M |
| Jpmcb Large CAP Growth Trust Fund | JP Morgan Chase Bank, N.a. | Common/collective trust | $270.4M |
| SS Trgt RET 2030 V | State Street Global Advisors Trust CO | Common/collective trust | $152.6M |
| SS Trgt RET 2040 V | State Street Global Advisors Trust CO | Common/collective trust | $101.3M |
| SS Trgt RET 2035 V | State Street Global Advisors Trust CO | Common/collective trust | $100.9M |
| SS Trgt RET 2025 V | State Street Global Advisors Trust CO | Common/collective trust | $91.2M |
| Invesco Short-term Bond Fund | Invesco Trust CO | Common/collective trust | $78.7M |
| SS Trgt RET 2045 V | State Street Global Advisors Trust CO | Common/collective trust | $69.3M |
| FID International Discovery Pool | Fidelity Management Trust Company | Common/collective trust | $66.6M |
| SS Trgt RET 2050 V | State Street Global Advisors Trust CO | Common/collective trust | $60.5M |
| SS Trgt RET 2055 V | State Street Global Advisors Trust CO | Common/collective trust | $49.6M |
| Spartan Extended Market Index Pool index | Geode Capital Management Trust Company, LLC | Common/collective trust | $49.5M |
| Western Asset Core Plus Bond CIF | Hand Benefits & Trust Company | Common/collective trust | $45.0M |
| SS Trgt RET 2020 V | State Street Global Advisors Trust CO | Common/collective trust | $38.2M |
| SS Trgt RET INC V | State Street Global Advisors Trust CO | Common/collective trust | $33.8M |
| SS Trgt RET 2060 V | State Street Global Advisors Trust CO | Common/collective trust | $22.2M |
| Jennison Intermediate Fund | Invesco Trust CO | Common/collective trust | $17.4M |
| Invesco Intermediate Fund | Invesco Trust CO | Common/collective trust | $17.4M |
| Loomis Sayles Intermediate Fund | Invesco Trust CO | Common/collective trust | $8.7M |
| Pimco Intermediate Fund | Invesco Trust CO | Common/collective trust | $8.7M |
| Loomis Sayles Core Fixed INC Fund | Invesco Trust CO | Common/collective trust | $8.5M |
| Invesco Core Fixed Income Fund | Invesco Trust CO | Common/collective trust | $8.5M |
| Pimco Core Fixed Income Fund | Invesco Trust CO | Common/collective trust | $8.5M |
| Dodge & COX Core Fixed INC Fund | Invesco Trust CO | Common/collective trust | $8.5M |
| SS Trgt RET 2065 V | State Street Global Advisors Trust CO | Common/collective trust | $8.2M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $382.9M | 14.0% |
| Common/collective trusts | $1.7B | 62.5% |
| Employer securities (company stock) | $458.8M | 16.8% |
| Common stock (direct) | $141.6M | 5.2% |
| Participant loans | $19.6M | 0.7% |
Fees paid from plan assets
| Contract administrator fees | $3,300 |
| Investment advisory & management fees | $92,266 |
| Other administrative fees | $71,733 |
| Total administrative expenses | $457,369 |
Reported administrative expenses were about 0.017% of average plan assets, or about $50 per participant with a balance. This usually excludes fund expense ratios netted inside mutual funds and trusts.
Source: DOL EFAST2 Form 5500 & Schedules H/D, filing ID 20250708151748NAL0007147232001. EIN 231274455.