Federal Home Loan Mortgage Corp 401(k): best low-cost funds
Federal Home Loan Mortgage Corp Thrift/401(k) 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.
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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 |
|---|---|---|---|
| Spartan 500 Index PL CL D index | Geode Capital Management Trust | Common/collective trust | $739.9M |
| Vanguard Target RET 2035 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $206.7M |
| Vanguard Target RET 2030 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $190.5M |
| Vanguard Target RET 2040 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $189.3M |
| Vanguard Target RET 2045 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $178.5M |
| Vanguard Target RET 2050 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $129.3M |
| LSV US Large CAP CIT | Northern Trust CO | Common/collective trust | $125.7M |
| Vanguard Target RET 2025 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $106.5M |
| Vanguard Target RET 2055 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $97.6M |
| Spartan Extended Market Index CL D index | Geode Capital Management Trust | Common/collective trust | $63.3M |
| Vanguard Target RET 2060 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $60.3M |
| Vanguard Target RET 2020 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $40.5M |
| Vanguard Target RET Income Trust PL | Vanguard Fiduciary Trust Company | Common/collective trust | $30.6M |
| US Treasury Inflation Protected SEC | Blackrock Institutional Trust Company | Common/collective trust | $28.8M |
| Vanguard Target RET 2065 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $19.6M |
| Vanguard Target RET 2070 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $1.5M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.4B | 38.6% |
| Common/collective trusts | $2.2B | 59.6% |
| Participant loans | $26.1M | 0.7% |
Fees paid from plan assets
| Contract administrator fees | $3,300 |
| Investment advisory & management fees | $18,527 |
| Other administrative fees | $2,500 |
| Total administrative expenses | $192,862 |
Reported administrative expenses were about 0.006% of average plan assets, or about $16 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 20251003082225NAL0000722435001. EIN 520904874.