Aramco Shared Benefits Company 401(k): best low-cost funds
Aramco U.s. Savings Plan · Plan #002 · Houston, TX
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 |
|---|---|---|---|
| Vanguard Inst 500 Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $482.8M |
| Vanguard Target RET 2030 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $155.2M |
| Vanguard Inst TTL Stock IND Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $139.8M |
| Vanguard Target RET 2035 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $138.6M |
| Vanguard Target RET 2040 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $106.0M |
| Vanguard Inst EXT Market IND Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $92.2M |
| Vanguard Target RET 2025 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $91.4M |
| Vanguard Inst TTL BD MAR IND Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $83.2M |
| Vanguard Target RET 2045 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $80.8M |
| Vanguard Target RET INC Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $67.2M |
| Vanguard Target RET 2020 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $52.7M |
| Vanguard Target RET 2050 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $46.1M |
| Vanguard Inst TTL INT ST IND Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $35.2M |
| Vanguard Target RET 2055 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $13.8M |
| Vanguard Target RET 2060 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $7.7M |
| Vanguard Target RET 2065 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $3.3M |
| Vanguard Target RET 2070 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $618,000 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.3B | 43.3% |
| Common/collective trusts | $1.6B | 55.3% |
| Insurance co. general account | $33.6M | 1.2% |
| Participant loans | $7.0M | 0.2% |
Fees paid from plan assets
| Total administrative expenses | $76,000 |
Reported administrative expenses were about 0.003% of average plan assets, or about $21 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 20251014100503NAL0003573408001. EIN 844364434.