Google LLC 401(k): best low-cost funds
Google LLC 401(k) Savings Plan · Plan #001 · Mountain View, CA
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 |
|---|---|---|---|
| Vftc Target RET 2050 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $5.9B |
| Vftc Institutional 500 Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $5.6B |
| Vftc Target RET 2055 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $5.2B |
| Vftc Target RET 2045 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $4.7B |
| Vftc Target RET 2040 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $2.9B |
| Vftc Target RET 2060 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $2.8B |
| Vftc Target RET 2035 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $1.7B |
| Vftc Inst. Ext. Market Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $1.4B |
| Vanguard DEV Mrkts Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $1.1B |
| Vftc Target RET 2030 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $882.5M |
| Vftc Inst'l Total Bond MKT Index TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $843.9M |
| Vftc Target RET 2065 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $475.8M |
| Vanguard RET Savings Trust II | Vanguard Fiduciary Trust Company | Common/collective trust | $451.4M |
| Vftc Target RET 2025 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $367.9M |
| Earnest Part Smid CAP Founders CL | SEI Trust Company | Common/collective trust | $265.8M |
| Fidelity DIV Intl Comm Pool | Fidelity Investments | Common/collective trust | $201.3M |
| Vftc Target RET 2020 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $115.8M |
| Metwest Total Return Bond Fund CIT | SEI Trust Company | Common/collective trust | $93.5M |
| Vftc Target RET Income Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $89.6M |
| Vftc Target RET 2070 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $6.0M |
| Vftc Target RET INC GR Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $3.0M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.8B | 4.5% |
| Common/collective trusts | $35.1B | 89.8% |
| Participant loans | $121.1M | 0.3% |
| Other investments | $2.0B | 5.0% |
Fees paid from plan assets
| Other administrative fees | $5.1M |
| Total administrative expenses | $5.1M |
Reported administrative expenses were about 0.015% of average plan assets, or about $34 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 20241001150429NAL0007334001001. EIN 770493581.