Chevron Corporation 401(k): best low-cost funds
Chevron Employee Savings Investment Plan · Plan #001 · Houston, TX
Suggested simple Boglehead mix
- US stocks (~60%): BlackRock Equity Index Account C
- International stocks (~20-30%): BlackRock MSCI ACWI ex-U.S. Index Account C
- Bonds (~10-20%): BlackRock U.S. Debt Index Account C
Fund names from the plan's public SEC Form 11-K for plan year 2024 (Schedule H, line 4i schedule of assets / fund list). Confirm they are on your current menu and check expense ratios. Adjust the bond share for your age and risk tolerance.
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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 |
|---|---|---|---|
| BTC Equity Index C index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $6.8B |
| BTC Extended Mkts M | Blackrock Inst. Trust Company, N. A | Common/collective trust | $1.5B |
| BTC GOV SH TM INV C | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $989.7M |
| BTC Msci Acwi Exus C index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $941.5M |
| BTC Lifepath RET C | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $528.7M |
| BTC US Debt Index C index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $480.7M |
| BTC Lifepath 2045 C | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $397.9M |
| BTC Lifepath 2035 C | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $381.5M |
| BTC Lifepath 2040 C | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $367.3M |
| BTC Lifepath 2030 C | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $356.2M |
| BTC Lifepath 2050 C | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $335.1M |
| CG Europac Grth U3 | Capital Bank And Trust Company | Common/collective trust | $325.8M |
| BTC Lifepath 2055 C | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $217.2M |
| PIF Dvrsd Real AST 3 | Principal Global Investors Trust Company | Common/collective trust | $140.2M |
| BTC Lifepath 2060 C | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $113.8M |
| Earnest Smid CP Core | SEI Trust Company | Common/collective trust | $57.9M |
| BTC Lifepath 2065 C | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $53.3M |
| BTC Lifepath 2070 C | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $996,069 |
| MIP CL 2 | Fidelity Management Trust Company | Common/collective trust | $553,807 |
| ABC Stable Value | SEI Trust Company | Common/collective trust | $130,394 |
| BTC Lifepath 2025 C | 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) | $487.1M | 2.4% |
| Common/collective trusts | $14.0B | 68.8% |
| Insurance co. general account | $59.8M | 0.3% |
| Employer securities (company stock) | $4.8B | 23.6% |
| Common stock (direct) | $7.6M | 0.0% |
| Participant loans | $123.5M | 0.6% |
| Other investments | $153.8M | 0.8% |
Fees paid from plan assets
| Contract administrator fees | $98,676 |
| Investment advisory & management fees | $920,279 |
| Other administrative fees | $0 |
| Total administrative expenses | $3.0M |
Reported administrative expenses were about 0.015% of average plan assets, or about $87 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 20251014085817NAL0002451201001. EIN 940890210.