American International Group, Inc. 401(k): best low-cost funds
American International Group, Inc. Incentive Savings Plan · Plan #003 · NEW York, NY
Suggested simple Boglehead mix
- US stocks (~60%): Vanguard Institutional Index Trust
- International stocks (~20-30%): Total International Stock Index FD
- Bonds (~10-20%): Vanguard Institutional Total Bond
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 |
|---|---|---|---|
| Vanguard Institutional Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $1.1B |
| MFO Loomis Large CAP Growth | Loomis Sayles Trust Company LLC | Common/collective trust | $569.0M |
| Total International Stock Index FD index | Vanguard Fiduciary Trust Company | Common/collective trust | $260.8M |
| Vanguard Institutional Extended MKT | Vanguard Fiduciary Trust Company | Common/collective trust | $232.5M |
| Vanguard Institutional Total Bond index | Vanguard Fiduciary Trust Company | Common/collective trust | $209.1M |
| MFS Large CAP Value CIT | Massachusetts Financial Services | Common/collective trust | $201.6M |
| AIG Master Trust | American International Group, Inc. | Master trust | $172.0M |
| Vanguard TGT Retirement 2045 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $155.7M |
| Vanguard TGT Retirement 2035 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $133.4M |
| Vanguard TGT Retirement 2040 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $133.2M |
| Vanguard TGT Retirement 2050 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $120.1M |
| Vanguard TGT Retirement 2030 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $107.0M |
| Vanguard TGT Retirement 2025 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $76.5M |
| Vanguard TGT Retirement 2055 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $65.2M |
| Harding Loevner Int'l Equity CIT | Harding, Loevner Funds, Inc. | Common/collective trust | $42.8M |
| Vanguard TGT Retirement 2060 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $42.4M |
| Vanguard TGT RET Income Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $32.2M |
| MFO Blackrock Total Return Bond FD | Blackrock Institutional Trust CO N.A | Common/collective trust | $30.4M |
| Vanguard TGT Retirement 2020 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $28.6M |
| Vanguard TGT Retirement 2065 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $15.0M |
| NT Coltv Short Term Invt Fund | Northern Trust Investment INC | Common/collective trust | $4.3M |
| Vanguard TGT Retirement 2070 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $1.8M |
| Earnest Smid Core Strategy Fund CIT | Earnest Partners LLC | Common/collective trust | $1.7M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $729.6M | 16.3% |
| Common/collective trusts | $3.6B | 79.5% |
| Master trusts | $172.0M | 3.8% |
| Participant loans | $17.4M | 0.4% |
Fees paid from plan assets
| Investment advisory & management fees | $1.3M |
| Other administrative fees | $838,617 |
| Total administrative expenses | $2.6M |
Reported administrative expenses were about 0.060% of average plan assets, or about $133 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 20251010164103NAL0019119170001. EIN 132592361.