Lowe's Companies, Inc. 401(k): best low-cost funds
Lowes 401(k) Plan · Plan #003 · Mooresville, NC
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 |
|---|---|---|---|
| Target Rtmt 2035 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $667.0M |
| Target Rtmt 2045 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $635.1M |
| Target Rtmt 2050 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $627.2M |
| Target Rtmt 2030 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $618.2M |
| Target Rtmt 2040 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $602.4M |
| Target Rtmt 2025 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $450.4M |
| Target Rtmt 2055 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $313.2M |
| Target Rtmt 2060 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $193.9M |
| Target Rtmt 2020 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $186.1M |
| Ssga SP 500 IDX SEC LND SER II | State Street Global Advisors | Common/collective trust | $164.6M |
| Galliard Short Core Fund F | Galliard Capital Management, LLC | Common/collective trust | $114.8M |
| Target Rtmt Income Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $112.4M |
| Target Rtmt 2065 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $108.5M |
| Galliard Intermediate Core Fund L | Galliard Capital Management, LLC | Common/collective trust | $90.3M |
| Galliard Intermediate Core Fund J | Galliard Capital Management, LLC | Common/collective trust | $34.6M |
| Galliard Intermediate Core Fund C | Galliard Capital Management, LLC | Common/collective trust | $33.8M |
| Ssga Russ SM MD CP IDX CL II | State Street Global Advisors | Common/collective trust | $33.3M |
| Target Rtmt 2070 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $31.6M |
| Galliard Intermediate Core Fund E | Galliard Capital Management, LLC | Common/collective trust | $29.9M |
| SEI TST Short Term Ivst Fund II | SEI Trust Company | Common/collective trust | $20.5M |
| Dodge & COX Income X Fund | Dodge & COX | Common/collective trust | $14.1M |
| Ssga GI AC EQ Exus IDX SL II | State Street Global Advisors | Common/collective trust | $12.1M |
| State Street US BD ID SL XIV | State Street Global Advisors | Common/collective trust | $9.9M |
| Wtc-cif II Intl OPP S1 Port | Wellington Trust Company, NA | Common/collective trust | $6.8M |
| AON Daily Real Estate Fund | Reliance Trust Company | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $14.1M | 0.2% |
| Common/collective trusts | $5.1B | 59.4% |
| Employer securities (company stock) | $3.5B | 40.5% |
| Participant loans | $97,708 | 0.0% |
Fees paid from plan assets
| Contract administrator fees | $1.1M |
| Total administrative expenses | $1.1M |
Reported administrative expenses were about 0.014% of average plan assets, or about $8 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 20250711181121NAL0006540737001. EIN 560578072.