Ameren Corporation 401(k): best low-cost funds
Ameren Corporation Savings Investment Plan · Plan #003 · ST. Louis, MO
Suggested simple Boglehead mix
- US stocks (~60%): Equity Index Fund F
- International stocks (~20-30%): Msci Acwi Ex-us IMI Index Fund F
- Bonds (~10-20%): Blackrock Tips Bond Index Fund M
Example built from fund names in the filing. Confirm these are on your current menu and check their expense ratios. Adjust the bond share for your age and risk tolerance.
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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 |
|---|---|---|---|
| Equity Index Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $500.6M |
| Russell 2500 Index Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $173.1M |
| Lifepath Index 2030 Fund W index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $138.6M |
| Lifepath Index 2045 Fund W index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $136.1M |
| Lifepath Index 2050 Fund W index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $135.6M |
| Galliard Intermediate Core Fund L | SEI Trust Company | Common/collective trust | $128.9M |
| Lifepath Index Retirement Fund W index | Blackrock Institutional Trust Company, N.A | Common/collective trust | $127.4M |
| Boston Partnrs LG CAP VAL EQ Fund E | Boston Partners Trust CO | Common/collective trust | $123.1M |
| Lifepath Index 2040 Fund W index | Blackrock Institutional Trust Company, N.A | Common/collective trust | $120.3M |
| Lifepath Index 2035 Fund W index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $112.5M |
| Lyrical U.s. Value Equity CIT Class | Lyrical Asset Management | Common/collective trust | $102.7M |
| Lifepath Index 2055 Fund W index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $98.2M |
| Msci Acwi Ex-us IMI Index Fund F index | Blackrock Institutional Trust Company, NA | Common/collective trust | $89.9M |
| Galliard Short Core Fund F | SEI Trust Company | Common/collective trust | $88.0M |
| Wellington CIF II Core Bond Plus P | Wellington Management Company LLP | Common/collective trust | $78.9M |
| Snyder Capital Value Fund R1 | Hand Benefits And Trust Company | Common/collective trust | $56.4M |
| Lifepath Index 2060 Fund W index | Blackrock Institutional Trust Company, N.A | Common/collective trust | $46.1M |
| US Debt Index Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $31.5M |
| Blackrock Tips Bond Index Fund M index | Blackrock Institutional Trust Company, NA | Common/collective trust | $19.7M |
| Lifepath Index 2065 Fund W index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $15.8M |
| Short Term INV Fund A S | SEI Trust Company | Common/collective trust | $9.0M |
| Lifepath Index 2025 Fund W index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $197.6M | 6.2% |
| Common/collective trusts | $2.3B | 72.8% |
| Employer securities (company stock) | $339.6M | 10.6% |
| Common stock (direct) | $286.3M | 8.9% |
| Participant loans | $37.5M | 1.2% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $2.9M |
| Other administrative fees | $119,984 |
| Total administrative expenses | $3.5M |
Reported administrative expenses were about 0.114% of average plan assets, or about $304 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 20250905104138NAL0028746192001. EIN 431723446.