Ameriprise Financial, Inc. 401(k): best low-cost funds
Ameriprise Financial 401(k) Plan · Plan #001 · Minneapolis, MN
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 |
|---|---|---|---|
| Blackrock Equity Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $364.2M |
| CT Contrarian Core Fund 1 | Ameriprise Trust Company | Common/collective trust | $264.1M |
| Wellington Trust Large CAP Growth | Wellington Trust Co., NA | Common/collective trust | $255.7M |
| Boston Prtnrs LRG CAP VAL Equity FD | BNY Mellon Trust Of Delaware | Common/collective trust | $142.4M |
| GQG Partners International Equity | Reliance Trust Company | Common/collective trust | $139.2M |
| Columbia Trust Govt Money Market FD | Ameriprise Trust Company | Common/collective trust | $133.5M |
| CT Total Return Bond Fund | Ameriprise Trust Company | Common/collective trust | $123.5M |
| Voya Target Solution Trust 2035 | Voya Investment Trust CO. | Common/collective trust | $108.4M |
| Voya Target Solution Trust 2030 | Voya Investment Trust CO. | Common/collective trust | $103.7M |
| Voya Target Solution Trust 2040 | Voya Investment Trust CO. | Common/collective trust | $101.1M |
| Voya Target Solution Trust 2045 | Voya Investment Trust CO. | Common/collective trust | $98.5M |
| Victory Small CAP Value | Victory Capital Collective INV Trst | Common/collective trust | $87.9M |
| Peregrine Commingled Investment TRU | SEI Trust Company | Common/collective trust | $83.9M |
| John Hancock MID CAP TR B4 CIT | John Hancock Trust Company Collective Investment Trust | Common/collective trust | $81.2M |
| Voya Target Solution Trust 2050 | Voya Investment Trust CO. | Common/collective trust | $61.6M |
| Voya Target Solution Trust 2025 | Voya Investment Trust CO. | Common/collective trust | $58.4M |
| Blackrock Russell 2500 Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $48.6M |
| Voya Target Solution Trust Income | Voya Investment Trust CO. | Common/collective trust | $45.2M |
| Blackrock Msci Acwi Ex-us Index FUN index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $39.8M |
| Voya Target Solution Trust 2055 | Voya Investment Trust CO. | Common/collective trust | $36.8M |
| Blackrock US Debt Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $30.0M |
| Voya Target Solution 2060 | Voya Investment Trust CO | Common/collective trust | $24.8M |
| Voya Target Solution Trust 2065 | Voya Investment Trust CO | Common/collective trust | $10.2M |
| Principal/blackrock Stif | Principal | Common/collective trust | $6.0M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $413.9M | 11.4% |
| Common/collective trusts | $2.4B | 67.7% |
| Employer securities (company stock) | $514.6M | 14.2% |
| Common stock (direct) | $151.9M | 4.2% |
| Participant loans | $29.7M | 0.8% |
Fees paid from plan assets
| Contract administrator fees | $1.1M |
| Investment advisory & management fees | $509,463 |
| Total administrative expenses | $1.6M |
Reported administrative expenses were about 0.046% of average plan assets, or about $132 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 20250710101125NAL0005405713001. EIN 133180631.