Bayer Corporation 401(k): best low-cost funds
Bayer Corporation Savings And Retirement Plan · Plan #051 · ST Louis, MO
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.
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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 |
|---|---|---|---|
| Vftc Institutional 500 Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $2.3B |
| Vftc Target Retirement 2035 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $757.6M |
| Vftc Target Retirement 2040 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $703.2M |
| Vftc Target Retirement 2045 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $652.0M |
| Vftc Target Retirement 2030 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $584.4M |
| Vftc Target Retirement 2050 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $459.1M |
| Vftc Target Retirement 2025 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $424.8M |
| Vftc Inst. Ext. Market Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $395.9M |
| Vftc Instl Total Stock MKT Index TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $377.9M |
| Loomis Sayles Core Plus Fixed INC F | Loomis Sayles Trust Company LLC | Common/collective trust | $256.5M |
| Vftc Target Retirement 2055 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $246.5M |
| Blackrock Total Return Bond Fund F | Blackrock Institutional Trust Company | Common/collective trust | $192.9M |
| Vftc Target Retirement 2020 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $150.0M |
| Vftc Target Retirement Income Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $119.4M |
| Vftc Target Retirement 2060 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $107.1M |
| US Treasury Inflation Protected SEC | Blackrock Institutional Trust Company | Common/collective trust | $73.2M |
| Vftc Target Retirement 2065 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $35.9M |
| Vftc Target Retirement 2070 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $8.5M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.9B | 17.6% |
| Common/collective trusts | $7.9B | 72.8% |
| Insurance co. general account | $11.7M | 0.1% |
| Common stock (direct) | $191.2M | 1.8% |
| Participant loans | $76.8M | 0.7% |
| Other investments | $631.2M | 5.8% |
Fees paid from plan assets
| Investment advisory & management fees | $2.4M |
| Other administrative fees | $169,000 |
| Total administrative expenses | $2.7M |
Reported administrative expenses were about 0.025% of average plan assets, or about $89 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 20250807072011NAL0002062003001. EIN 251339219.