Capital ONE Financial Corporation 401(k): best low-cost funds
Capital ONE Financial Corporation Associate Savings Plan · Plan #002 · Mclean, VA
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 |
|---|---|---|---|
| Ssga S&P 500 NL SER A index | State Street Global ADV | Common/collective trust | $2.7B |
| BTC Lifepath 2050 Index Fund F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $853.8M |
| BTC Lifepath 2055 Indx FD Nl-f | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $770.6M |
| BTC Lifepath 2045 Index Fund F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $768.5M |
| Lifepath Index 2040 NL Fund F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $597.3M |
| Blackrcklfpth IDX 2060 NL FN F | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $533.3M |
| BTC Lifepath 2035 Index Fund F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $459.8M |
| Russ 2500 Index FD index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $316.0M |
| PRU Core PL BD CL 5 | Prudential Trust Company | Common/collective trust | $303.8M |
| Lifepath Index 2030 NL Fund F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $303.6M |
| Lifepath Indx Retire Fund NL F | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $241.2M |
| IGT Invesco Shrttrm Bond | Invesco Trust Company | Common/collective trust | $225.7M |
| Blackrock Lifepath Index 2065 NLF index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $180.3M |
| Arrowstr Intl EQ Eafe CIT CL M | Global Trust Company | Common/collective trust | $152.1M |
| BTC US Debt Indx Non-lend FD F | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $142.5M |
| Schroder Coll Invt TR CL M | SEI Trust | Common/collective trust | $120.4M |
| Ninety ONE Global Emerg Market EQ | Ninety ONE North America, Inc. | Common/collective trust | $100.7M |
| Frontier SM CAP GR CIT CL A | Frontier Capital Management | Common/collective trust | $100.3M |
| Amern Centy NON U S CON GR TR CL M | Global Trust Company | Common/collective trust | $83.1M |
| IGT Invesco INT | Invesco Trust Company | Common/collective trust | $49.4M |
| IGT Jennison INT | Invesco Trust Company | Common/collective trust | $49.4M |
| IGT Loomis Sayles INT | Invesco Trust Company | Common/collective trust | $24.8M |
| IGT Pimco INT | Invesco Trust Company | Common/collective trust | $24.7M |
| IGT Invesco Core | Invesco Trust Company | Common/collective trust | $24.6M |
| IGT Loomis Sayles Core | Invesco Trust Company | Common/collective trust | $24.6M |
| IGT Pimco Core | Invesco Trust Company | Common/collective trust | $24.6M |
| IGT Dodge & COX Core | Invesco Trust Company | Common/collective trust | $24.5M |
| Strategic Completion NL F Fund | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $17.5M |
| BTC Lifepath 2025 Index Fund F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
| Blackrock Russ 2500 Index FD index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $454.6M | 3.8% |
| Common/collective trusts | $9.3B | 77.1% |
| Employer securities (company stock) | $459.6M | 3.8% |
| Common stock (direct) | $1.6B | 13.2% |
| Participant loans | $158.6M | 1.3% |
| Other investments | $402,716 | 0.0% |
Fees paid from plan assets
| Contract administrator fees | $17,400 |
| Investment advisory & management fees | $13.6M |
| Other administrative fees | $122,321 |
| Total administrative expenses | $14.3M |
Reported administrative expenses were about 0.129% of average plan assets, or about $207 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 20251010111631NAL0004542995001. EIN 541719854.