Hsbc North America Holdings Inc. 401(k): best low-cost funds
Hsbc - North America (U. S.) TAX Reduction Investment Plan · Plan #005 · Chicago, IL
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 Institutional 500 Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $1.9B |
| Vftc Instnll Extended MKT IDX TR | Vanguard Fiduciary Trust Company | Common/collective trust | $360.2M |
| Vftc Target RET 2045 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $349.8M |
| Vftc Target RET 2035 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $348.9M |
| Vftc Developed Markets Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $265.7M |
| Vftc Instl Total Bond MKT IDX TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $257.9M |
| Vftc Target RET 2025 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $240.1M |
| Vftc Target RET 2040 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $131.8M |
| Vftc Retirement Savings Trust III | Vanguard Fiduciary Trust Company | Common/collective trust | $130.2M |
| Vftc Target RET 2050 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $119.8M |
| Vftc Target RET 2030 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $108.0M |
| Vftc Target RET 2055 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $77.5M |
| Vftc Target RET Income TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $47.5M |
| Vftc Target RET 2060 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $45.5M |
| US Tips Non-lendable Fund W | Blackrock Institutional Trust Company,n.a. | Common/collective trust | $35.5M |
| Vftc Target RET 2020 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $27.2M |
| Vftc Target RET 2065 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $18.2M |
| Vftc Target RET INC & Growth TR PLU | Vanguard Fiduciary Trust Company | Common/collective trust | $3.0M |
| Vftc Target RET 2070 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $1.5M |
| Vftc Target RET 2045 TR I | Vanguard Fiduciary Trust Company | Common/collective trust | $5,268 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $436.1M | 8.8% |
| Common/collective trusts | $4.4B | 90.1% |
| Participant loans | $22.9M | 0.5% |
| Other investments | $31.3M | 0.6% |
Fees paid from plan assets
| Other administrative fees | $2.1M |
| Total administrative expenses | $2.1M |
Reported administrative expenses were about 0.045% of average plan assets, or about $110 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 20251015120008NAL0002255187001. EIN 232186091.