CVS Health Corporation 401(k): best low-cost funds
CVS Health Future Fund 401(k) Plan · Plan #017 · Woonsocket, RI
Suggested simple Boglehead mix
- US stocks (~60%): Vanguard Institutional 500 Index Trust
- International stocks (~20-30%): International Equity Index Fund
- Bonds (~10-20%): U.S. Bond Index Fund (Vanguard Total Bond Market Index Trust)
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 |
|---|---|---|---|
| Vftc Institutional 500 Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $7.4B |
| Vftc Inst Total Bond Market Indx TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $2.8B |
| IGT Invesco Short Term Bond | Invesco Trust Company | Common/collective trust | $565.0M |
| IGT Jennison Short Term Bond Fund | Invesco Trust Company | Common/collective trust | $362.1M |
| IGT Loomis Sayles Intermediate Fund | Invesco Trust Company | Common/collective trust | $186.0M |
| IGT Jennison Intermediate Fund | Invesco Trust Company | Common/collective trust | $185.5M |
| IGT Pimco Intermediate Fund | Invesco Trust Company | Common/collective trust | $185.1M |
| IGT Invesco Intermediate Fund | Invesco Trust Company | Common/collective trust | $184.6M |
| EB Temporary Investment Fund | The Bank Of NEW York Mellon | Common/collective trust | $165.8M |
| Real Asset NL Series Class A Cmgv1 | State Street Global Advisor Trust | Common/collective trust | $132.0M |
| IGT Pimco Core Fixed Income Fund | Invesco Trust Company | Common/collective trust | $129.7M |
| IGT Invesco Core Fixed Income Fund | Invesco Trust Company | Common/collective trust | $128.2M |
| IGT Dodge & COX Core Fund | Invesco Trust Company | Common/collective trust | $127.7M |
| IGT Loomis Sayles Core Fund | Invesco Trust Company | Common/collective trust | $127.4M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $9.4B | 31.4% |
| Common/collective trusts | $12.6B | 42.0% |
| Common stock (direct) | $5.7B | 18.9% |
| Participant loans | $432.2M | 1.4% |
| Other investments | $483.5M | 1.6% |
Fees paid from plan assets
| Investment advisory & management fees | $36.8M |
| Other administrative fees | $30,552 |
| Total administrative expenses | $43.9M |
Reported administrative expenses were about 0.152% of average plan assets, or about $190 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 20251006141123NAL0003741777001. EIN 050494040.