Apple Inc. 401(k): best low-cost funds
Apple 401(k) Plan · Plan #001 · Cupertino, CA
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 |
|---|---|---|---|
| Vftc Inst. 500 Index TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $3.3B |
| Lifepath Index 2050 Account F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $1.8B |
| Lifepath Index 2045 F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $1.7B |
| Fidelity Contrafund Commingled Pool | Fidelity Management Trust Company | Common/collective trust | $1.7B |
| Lifepath Index 2055 F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $1.4B |
| Lifepath Index 2040 Account F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $1.2B |
| Vftc Inst. Market Index index | Vanguard Fiduciary Trust Company | Common/collective trust | $934.9M |
| Lifepath Index 2035 F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $920.5M |
| Vftc INT Stock IND Fund | Vanguard Fiduciary Trust Company | Common/collective trust | $819.8M |
| Vftc INS Total Bond Market Index index | Vanguard Fiduciary Trust Company | Common/collective trust | $618.9M |
| Lifepath Index 2030 F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $606.6M |
| Lifepath Index 2060 F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $545.5M |
| Stable Value Separate Account | Stable Value | Common/collective trust | $431.7M |
| Baillie Gifford International Alpha | Baillie Gifford | Common/collective trust | $319.6M |
| Lifepath Index Ret. F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $304.8M |
| Lifepath Index 2025 F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $303.3M |
| AB US Small Mid-cp Value CIT W Seri | Wilmington Trust Company | Common/collective trust | $221.0M |
| BNY Mellon EB Global Real Estate SE | BNY Mellon | Common/collective trust | $191.7M |
| Eaton Vance Trust CO CIT High Yield | Eaton Vance Trust Company | Common/collective trust | $172.9M |
| Loomis Sayles Core Plus Fixed Incom | Loomis Sayles | Common/collective trust | $118.5M |
| Lifepath Index 2065 Account F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $104.4M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Common/collective trusts | $17.7B | 89.4% |
| Common stock (direct) | $969.9M | 4.9% |
| Participant loans | $205.0M | 1.0% |
| Other investments | $910.4M | 4.6% |
Fees paid from plan assets
| Contract administrator fees | $2.8M |
| Investment advisory & management fees | $6.8M |
| Other administrative fees | $136,989 |
| Total administrative expenses | $9.7M |
Reported administrative expenses were about 0.056% of average plan assets, or about $68 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 20241011101049NAL0010800659001. EIN 942404110.