Citigroup Inc. 401(k): best low-cost funds
Citi Retirement Savings Plan · Plan #004 · Stamford, CT
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 |
|---|---|---|---|
| Blackrock Equity Index Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $6.2B |
| Blackrock Russell 3000 Index Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $1.6B |
| Blackrock US Debt Index Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $1.4B |
| Eafe Equity Index Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $1.3B |
| MID Capitalization Equity Index FD index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $1.2B |
| Blackrock Lifepath Index 2045 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $931.0M |
| Blackrock Lifepath Index 2050 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $755.6M |
| Blackrock Lifepath Index 2040 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $743.6M |
| Blackrock Lifepath Index RET Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $710.6M |
| Blackrock Lifepath Index 2035 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $671.3M |
| Blackrock Russell 2000 Index Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $627.3M |
| Blackrock Lifepath Index 2055 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $578.7M |
| Blackrock Lifepath Index 2030 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $544.1M |
| Blckrk Emerg Mkts Index Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $511.9M |
| Blackrock Russell 1000 Growth FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $330.7M |
| US Trsry Inflation PRO SEC Fund F | Blackrock Insitutional Trust Company, NA | Common/collective trust | $253.2M |
| Blackrock Lifepath Index 2060 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $219.9M |
| Schroder Collective Investmnt Trust | SEI Trust Company | Common/collective trust | $106.9M |
| Blackrock Russell 1000 Value Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $75.6M |
| Collective US Gov't Stif 15 | Bank Of NEW York Mellon | Common/collective trust | $72.5M |
| Roll Select Commodity Index Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $69.2M |
| Fidelity Fiam Concentrated Emer MKT | Fidelity Institutional Asset Management Trust Company | Common/collective trust | $56.8M |
| Blckrk Msci Acwi ESG Focus Index FD index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $52.5M |
| LS CIT Core Plus Fixed Income | Loomis Sayles | Common/collective trust | $23.7M |
| Blackrock Lifepath Index 2065 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $5.6M |
| Blackrock Lifepath Index 2025 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $0 |
| Wellington CIF II Citi Emerging MKT | Wellington Trust Company, NA | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.0B | 4.5% |
| Common/collective trusts | $19.1B | 82.1% |
| Employer securities (company stock) | $733.0M | 3.2% |
| Common stock (direct) | $757.4M | 3.3% |
| Participant loans | $222.1M | 1.0% |
| Other investments | $806.8M | 3.5% |
Fees paid from plan assets
| Contract administrator fees | $4.5M |
| Investment advisory & management fees | $14.0M |
| Other administrative fees | $652,329 |
| Total administrative expenses | $20.4M |
Reported administrative expenses were about 0.093% of average plan assets, or about $174 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 20251010151325NAL0013397952001. EIN 521568099.